davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (MD)

I have been instructed three different times by general customer service reps that the only way to resolve my account being frozen is to speak to someone in Security department. They are experiencing high call volumes, but I have spent at least 12 hours on hold on different days trying to speak to someone only to have EVERY call I make to the Security department dropped after either 2 or 3 hours on hold. 

Basically my money has been hijacked by the company and they provide me no means of resolving this issue except to say that I HAVE to speak to someone in Security, but nobody answers those calls. I have been trying to get through to someone in the Security department daily since XX/XX/XXXX and get the same result everyday. This simply is not acceptable. 

Also I did receive a letter dated XX/XX/22 stating that my funds have been returned. To this date my funds have not shown up to my original bank account. 

General customer service has no other suggestions of what I can do except to keep calling Security department back. How long am I supposed to go on wasting time on hold for 2 to 3 hours at a time just to have the calls drop every time and nobody to speak with about this?
Consumer complaint received 2017-12-22
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: Experian Information Solutions Inc. (CO)

XXXX Account re-aging. Account activity has been disputed twice. Age of debt has been disputed twice with documentation sent to CRAs. Reported activity just changes to new random activity in the closed account and credit dispute is reported as " updated '' New activity reactivates reporting period. XXXX just added " OK '' for every month until present date to the XXXX account closed since XXXX Original date of age off was XXXX in XXXX now age off date is XXXX Data for joint account holders of same XXXX account reported by same CRA Experian does not match. The reporting is random " OK '' then " XXXX '' the next month. account closed for years with no activity then shows " XXXX ''. This is blatant debt re-aging There are at least 5 different XXXX and multitudes of dates when the account was closed.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (MD)

During the Covid Pandemic period, I was offered a Covid Forbearance plan by LoanDepot. The started XX/XX/XXXX to XX/XX/XXXX. No payments but I had the option at the end of the period to repay the arrears in full in XX/XX/XXXX or Modification plan and arrears will be added to the balance. I accepted the Modification plan in XXXX and made some payments towards the arrears. They stated that no delinquency or late payments would be reported to the 3 credit bureaus. The put me on a trial period plan where I make 4 straight payments then I will have a regular payment plan. I have done everything that was asked of me, and it can be verified. This morning, XX/XX/XXXX, I received alerts from the 3 credit bureaus that I had 120 days late and it dropped my credit scores XXXX points!!!!
Consumer complaint received 2019-01-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I am a consumer that is informed to the federal guidelines that credit reporting agencies MUST abide by when dealing with the consumer. I have tried repeatedly to resolve inaccuracies on my personal credit report. I have asked, according to what the law says I'm able to receive for the credit reporting agencies to provide me with " validated proof '' that some debts I'm questioning are mine. After several requests, I have neither received the proper validation of deletion that I should receive ACCORDING TO THE LAW. The credit reporting agency seems to be using computers process my requests. How is this possible, if I'm asking for wet ink proof with my signature on a contract between me and that company.
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (FL)

Starting in XXXX of XXXX, XXXX has been posting two finance charges every month ( XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX ) on my account. Upon talking to XXXX people to determine why this occurred, I was told it was 1 ) due to not paying off a promotion within the month and 2 ) new charges. This makes no sense and how are they allowed to do this?
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-07-25
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. (GA)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS XXXX XXXX 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 2022-07-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (CA)

My wife and I have two Savings accounts with the Discover Bank. In the past two weeks, both of our accounts were locked without access with no reason provided. In several attempts between XX/XX/XXXX to XX/XX/XXXX to resolve the issue with Discover Bank, the customer service from phone calls claimed that such issues would be handled by their security team. However, in several attempts to call the number XXXX, each time we would be put on hold for more than 2 hours without being answered in their claimed " working hours '', in at least 4 attempts all together spanning the past two weeks. 

The direct impact of this sudden, un-documented account freezing is that our external transfer to another bank has been rejected, which has caused significant disturbance to our financial plans. Thereby, we request that CFPB to urge the Discover Bank to take immediate action in resolving the issues of our TWO accounts.
Consumer complaint received 2022-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

Me and my mother was give some information from a family friend that said they were going through a similar situation and they had a Second chance company that helped them named XXXX XXXX.I was provided the contact information for XXXX XXXX. 

On XX/XX/XXXX I have reached out to XXXX XXXX and spoke to a representative named XXXX. I informed XXXX about me and my mother 's issues with finding apartments that we can get approved for, due to our credit issues. He assured me that he could assist, he discussed payment and what to expect. XXXX told me that their company would be the guarantor of the contract for whatever apartment I choose. 
I talked this over with my mom and we agreed to send the money. I talked to XXXX and filled out of a form of where me and my would like to be located with the needed amenities. He gave me all of the avaliable Payment methods. We figured XXXX would be the best option. I gave XXXX {$600.00} XXXX, to the XXXX account. XXXX told me that he would send an Apartment list with what is needed, with the Partnered Properties to me, so we can go visit the apartments within 48 Hours. 

I have yet to receive an Apartment list. I have tried reaching out to XXXX and I haven't not a received a response thus far. 

On XX/XX/XXXX I reached out to Chase to see if someone could assist. I spoke to a representative who stated that I would have to speak to XXXX regarding the manner ; and I was transferrred over. I spoke to another representative, who stated since I willingly sent the money to the merchant ; they could not do anything. I asked to be transferred back to the previous department. However, the representative stated that there was not much more Chase could do either. 


Also, I requested my money back from XXXX XXXX and it was rejected. 

I have not received the services that I have paid for and I would just like my money back at this point. 

On XX/XX/22 I received a Statement from Chase, stating, " As we discussed and agreed, no action will be taken ''. Also, they have the incorrect disputed transaction. The correct dispute was for XXXX XXXX for the amount of {$600.00}, as stated in the previous claim thatI have submitted. I am confused as to what did we " discuss '' because I only received a Voicemail from the XXXX at the Chase Executive office, stating that she was working on the case. If this can not be corrected I would like my account closed and I will be taking my money out.
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Family Credit Management (MN)

I contact Family Credit Management 2 years ago to help consolidate my debt. Since then nothing seems to be improving. My debt is going down but at same time they fail to inform me of changes that are being made. Examples are late payments and missed payments. I pay them two times a month and I trust them to deliver the funds to the correct account. I feel that by going through them to repair my credit is it has gotten far worse. While I had debt it was manageable and steady decrease and credit score was decent. Now I barely have any open credit accounts and its hard to open new credit lines to build credit. The amount paid twice a month are XXXX dollars. During the past few months the amount has suppose to be increased to XXXX to meet the demands of the creditors and they failed to mention this to me as I noticed missed payments and late payments.
Consumer complaint received 2023-03-23
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. (CA)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened XX/XX/2022 Balance : {$200.00}
Consumer complaint received 2022-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (NY)

XX/XX/XXXX contacted company after receiving complaint response.. 

As stated in previous complaint : XXXX I updated my email and mailing address with the debt collections company so they can send me the validating correspondence I was looking for before making a payment. They failed to do so they attempted to mail multiple addresses the correspondence but failed. The correct address is listed on my account with them but they failed to send me the validation letter within 30 days of speaking to me to the correct address. They stated so as well in there complaint response that I put in XX/XX/XXXX. Never did they list the address I gave them only the addresses that got forwarded back to them. They never attempted to contact me because if they had they would of sent the validation letter to the mail address given which has been the same since XXXX... I told XXXX the Surpervisor that the company failed to do their due diligence In order to get the account validated and paid. If they would of mailed the correspondence to the address given this would of been avoided. 

Than I attempted to settle the account with a percentage and he refused and stated they dont settle accounts even though in XXXX when I called in they stated I could.
Consumer complaint received 2022-07-09
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: WELLS FARGO & COMPANY (MN)

I Reported ID Theft In XXXX of XXXX In XXXX AZ I never lived in XXXX Arizona at any time, XXXX Still has this Address in my credit report and other False information in my credit report I have had a bank account With Wells-Fargo from XX/XX/XXXX until XXXX at witch time I had closed that account Because Wellsfargo also denied me credit because of that information. I Have been On SSI from XXXX and had direct deposit set up for some time and wellsfargo was aware of that.I have also been denied access or opportunity to change my information, and denied Credit because of information that XXXX Provides
Consumer complaint received 2022-07-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (MD)

Loancare will not Follow the Laws of my XXXX XXXX Bankruptcy and continues to try and collect on a Discharged Debt. This Company also will not provide proof of me signing a release of funds out of this Account along with information of where the funds went? My HELOC loan was Discharged from the original lender way back in 2011, I've been in Dispute of this Account for Many Many Years and have asked loancare Directly to show me Proof of Who Signed for the Withdrawal of funds out of this Account and Proof of where the Money that was Withdrawn Go? 
I had Received a Phone Call from a loancare representative a year ago saying they are Not pursuing any further actions. I have this conversation recorded. What a lie!! All I want is a lean release on the Title of my Property. If this can't be done immediately I will have no other choice but to bring Forth a law suit! 1st being Loancare Breaking Federal Law under XXXX XXXX Bankruptcy by harassment and continuing to force collects on a Discharged Debt. All documents have been saved over the years to prove this Fact! 2nd researched Documents by Loancare XXXX XXXX XXXX has never Provided Proof of the Funds Being Withdrawn from my account with my signature and where the funds went. Loancare is the Worst company to deal with and this Stress has been Heavy on me and my family for many years and still continues Today ....!! The Practices of this Company is Terrible as you can see from thousands of other Loancare clients have Huge Problems with this company that Bullies their way to destroying people 's Lives!! Next step for me is Hire an attorney and go Completely public on this issue if not Fixed immediately!!
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-07-09
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. (NJ)

i have contacted Transunion about removing inquries and have not got a response. 

i did not apply or give authorization for the inquiries listed.
Consumer complaint received 2022-07-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fidelity Properties Inc. (OH)

Fidelity Collections put 7 items on my credit report for the same account debt, I tried contacting them and they just hung up on me. 

The Same account listed multiple times on the credit report for a debt with different amounts. 

This is against the FCRA. I was told to file a complaint with you by the Attorney who will be representing me in this case. 

This is illegal behavior that must be stopped.
Consumer complaint received 2022-07-09
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. (TX)

In accordance with the Fair Credit Reporting act 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 2023-01-09
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-06
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. (NC)

I was a part of the Equifax data breach so i decided to monitor my credit reports closely, because things were appearing in my credit files out of nowhere and i couldn't figure out why. 

Recently i received an updated copy of my Equifax credit report file and noticed multiple unauthorized inquiries i did not give permissible purpose for Equifax or any one else to obtain a copy of my credit file, i did not apply for loans or any credit cards. I called and spoke with multiple people and was told i couldn't dispute although i was part of the XXXX XXXX and my personal information was stolen. 

there were unauthorized inquiries made on XX/XX/2021 from XXXX XXXXXXXX XX/XX/2021 from XXXX XX/XX/2021 from XXXX XX/XX/2021 from XXXX
Consumer complaint received 2022-07-09
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. (TX)

XXXX has made multiple unauthorized Inquiries on my credit report the following includes, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX : XXXX. XXXX, XXXX. XXXX XXXX : XXXX. XXXX, XXXX. XXXX XXXX : XXXX. XXXX, XXXX. Remove all inaccurate inquiries I have listed immediately. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting late payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the following month need to be updated to payed in full. In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights by reporting a fraudulent account from XXXX as an individually responsible charge off, thats entirely false in it if itself. I would like the account removed immediately. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting a fraudulent account from XXXX as an individually responsible charge off, thats entirely false in it if itself. I would like the account removed immediately. 

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 2022-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MN)

In XXXXXXXX XXXX XXXX, a rental management company called XXXX XXXX sold a rental debt accrued under COVD-19 federal and state protections. This makes the debt multiple ways illegal. I've tried several times to have the debt removed by contacting the company through credit bureaus. They have not removed the debt, which has now accrued interest to beE $ XXXX and is preventing me from securing housing.