davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

This is regarding an Ann Taylor card by Comenity. Customer service by both was awful. I thought I had paid off my card before going to XXXX XX/XX/XXXX to XX/XX/XXXX. I saw around XX/XX/XXXX that I had to pay XXXX. I paid to my XXXX checking account I am a Private Client and have XXXX in the account. Ann Taylor/Comenity claim the funds were not there. Another time a rep of XXXX said there is no account. There is a chance I typed in a wrong number. My SIM card had changed. Maybe XXXX thought it was fraud as my computer must have shown to be in another country. But I paid other accounts with no problem and did not receive a fraud email. I received a {$25.00} fee that the transaction was rejected, XXXX XXXXXXXX interest on this, another {$25.00} fee on the previous fee and maybe {$1.00} on interest. {$54.00}! for XXXX allegedly not paid. I paid it off in XXXX when I returned and finally closed the card after several attempts to get my money back. 
XXXX HAS NO RECORD OF ANY XXXX TRYING TO GO THROUGH. I think these are bogus charges. They know nothing about customer service as XXXX does, which is the XXXX  XXXX USA bank. Ann Taylor stores close and they don't care if they lose a customer. There is no way XXXX was not in the account. Why charge so much for some glitch or something on purpose they do to steal money. I will not go to a collection agency over this. Please regulate Comenity ( of Bread Financial ) and see if others have the same complaint. I am sure they do!
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Im the victim of fraud. I contacted Capital One multiple times over multiple months and worked with their internal fraud department to resolve this issue. I provided them charge information that was inaccurate and dates. As well as emails showing my account was hacked and paymetns had been made on my behalf. 

They informed me that there was nothing else they could do.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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. (OR)

I have contacted Experian and a credit repair company too they have my address wrong. They have 2 addresses combined that XXXX wrote incorrectly and they did not fix it after I told them. Its not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Neither is my address anymore and I have submitted multiple requests to fix it. I am an identity theft victim as well
Consumer complaint received 2018-12-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

1. LoanDepot refused to refund me the payment ( {$3200.00} ) made on XX/XX/XXXX ( via automated on XX/XX/XXXX ) Payments made in XX/XX/XXXX : A. XX/XX/XXXX for XXXX Mortgage ( {$3200.00} ) B. XX/XX/XXXX ( Paid through automated system on XX/XX/XXXX ) for XXXX Mortgage ( {$3.00}, XXXX ) C. XX/XX/XXXX paid {$3200.00} upon the report on the XX/XX/XXXX that the payment of XX/XX/XXXX was returned. SECOND PAYMENT MADE TO LOANDEPOT DUE AS THE MONTH WAS ENDING SO AS TO AVOID A " 30-DAT LATE ''.

D. Payment made on my XXXX XXXX account to LoanDepot on XX/XX/XXXX and IT WAS NEVER RETURNED E. Claim ( Claim # XXXX ) established with XXXX XXXX based on the LoanDepot 's report that the payment of XX/XX/XXXX was returned on XX/XX/XXXX for NSF. 

F. XXXX XXXX gave a TRANSACTION # XXXX and confirmed that the payment was made to LoanDepot on XX/XX/XXXX. 

G. A three-way telephone call was done with me, a XXXX XXXX staff, and a Loan- Depot staff called XXXX ( Extension XXXX ). In this meeting, XXXX confirmed the above transaction number and requested that I faxed my bank statement to convince LoanDepot that the XX/XX/XXXX was not returned. I faxed the statement to him as requested and he called the following day to confirm its receipt. 

2. LoanDepot reports unfounded " 30-DAY LATE '' RUNNING CLIENT 'S FICO SCORES A. We paid our mortgage around every XXXX because of the way we are paid at our jobs in the last 5 years. 

B. Payment returned on XX/XX/XXXX was not communicated on time and my husband 's bank never did also ; resulted in payment going through in XX/XX/XXXX. 

C. Contacted LoanDepot to please do a courtesy removal of this late payment having been doing business with them in almost 5 years but they explained it wasn't possible and I forgot about it.

D. In an attempt to refinance, it was discovered that they reported UNFOUNDED " 30- DAY LATE IN XXXX, XXXX. Please see the attached. 

E. According to my husband, LoanDepot presented two ( 2 ) payments for the month of XXXX which messed up his account, later resulted in a " 30- Day Late '' as the payment went through on XX/XX/XXXX.
Consumer complaint received 2018-12-20
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. (FL)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX and XXXX   XXXX.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2019-09-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I am currently in a mortgage written by XXXX XXXX XXXX in XX/XX/XXXX and being serviced by Select Portfolio Servicing. I applied for a loan modification in XX/XX/XXXX and fell behind in XX/XX/XXXX. My mortgage is at 9+ % and I am unable to make Full payments. 
I am currently in s trail modification until XX/XX/XXXX but fear I will receive for closure notice.
Consumer complaint received 2019-01-15
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. (CO)

XXXX XXXX partially installed product XX/XX/18. Had horrible problems with installer ( foul name calling, non-communicative, etc ), feared for safety, locked him out before completion. Owner said would not charge full price, but she did anyway. I disputed {$500.00} of total charge with my Chase credit card, submitted documentation on their request - both from the manufacturer and a separate company saying the installation was incorrect and incomplete with a {$700.00} estimate to correct. Chase basically disregarded all my documentation and sided with merchant instead of myself, as their customer. This is an absolutely valid claims and defenses charge back. I will need to pay someone to correct and complete the botched and incomplete installation that this company did.
Consumer complaint received 2023-03-10
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)

I sent a letter on XXXX to remove THESE ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items are UNKNOWN to me, Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2019-09-11
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: AMERICAN EXPRESS COMPANY (HI)

I had charges of {$2000.00} from XXXX in XXXX on my credit card to which I was not there to recieve services for. I provided Amex copies of documentation reflecting this. I have filed 9 disputes, and spoken with XXXX XXXX from the office of the president, my attorney did research to assist me since amex said there is nothing they can do, it is quite clear they can however they have made so many variables of unwillingness to do anything. My attorney reviewed the documentation supplied by Amex, and they are not being accountable to there cardholder under FCRA fair credit reporting and dispute act which says i am only legally responsible for 50 dollars once a credit card is disputed as fraud which I opened a new account nunber in lieu of charges made while I was not on the boat. Amex has been very laxed in making things right.
Consumer complaint received 2022-07-16
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: TD BANK US HOLDING COMPANY (WA)

XXXX Amount : 0 Actions : Reported this error with XXXX XXXX they could not get it removed. XXXX recently denied my request to resolve this based on the previous ( failed ) attempt, so I am need this agency 's help. I also contacted the card company and they show no record of this negative item. Please have them remove this negative item from my credit report.
Consumer complaint received 2019-09-11
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: GOLDEN 1 CREDIT UNION, THE (CA)

I did not authorize or give consent to this company nor did I try to purchase or consent to running credit report I have no knowledge of this company or inquired any purchase with this company I have no accounts with this company nor did I authorize them to run any credit report for any business or purchase
Consumer complaint received 2018-08-29
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)

The information on my Equifax credit report is mixed with someone else. There is fraudulent information included in my account, accounts that I have never opened, companies that I have never done business with, and apartments in other states that I have never lived in. I'm unable to log in to Equifax since the challenge information does not match any of my previous events.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I have requested the XXXXXXXX XXXX  ACCOUNT REPORTED AS VLISED DUE TO ACCOUNT ABUSE BE REMOVED FROM CHEKSYSTEMS CONSUMER REPIRT THIS ACCOUNT WAS not INVESTIGATED PROPERLY Nor resolved TO IDENTY THEFT. I was told this would be resolved by XXXXXXXX XXXX they failed to stay in constant communication with me also did not communicate findings nor a resolution to my complaint.
Consumer complaint received 2022-08-17
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/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 Experian ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Inquiries : XXXX XX/XX/2021 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 2018-12-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I sent all three credit bureaus a certified letter, requesting an investigation in to this hard inquiry from XXXX XXXX on XX/XX/18. It has been well over 90 days and they have never responded back. This has cause me a great hardship in my life as well as stress and has caused my credit score to drop drastically which has led to me being denied credit and home loans. The three bureaus have violated the FCRA, laws that are in place to protect the consumers. They're suppose to report accurate information and they have a responsibility to respond to all consumers within a timely manner.
Consumer complaint received 2023-03-10
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)

On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$61000.00}
Consumer complaint received 2019-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I sent the collection company three letters of validations regarding this, pursuant to 15 USC 1692G SEC. 809 ( B ) of the FDCPA. They have refused the certified letters the three times. I called over the phone and also requested a validation letter. They have not done so. 
They damaged my credit and the longer they don't respond, the longer my credit is being damaged.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (PA)

Loan was for {$2500.00} balance is showing {$4200.00} because they included all the interest i would pay for the term of the loan. Furthermore, it makes it look as though i have more credit than i truly do. I contacted XXXX and they claimed this is how they report. I question if its even legal??
Consumer complaint received 2019-01-17
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MO)

One Main financial calls, my employer and myself a minimum of 3 times a day. They call off multiples numbers. The main number they call me off of is XXXX. My employer and myself have request they quit calling my employer due to possible job loss for a personal loans calling multiple times a day. 
between my person and work phone calls equal to : XX/XX/2019 - 2 to cellphone 2 to work phone XX/XX/2019 - 2 to cellphone 2 to work phone XX/XX/2019 - 5 to personal 1 to work phone XX/XX/2019 - 3 to personal 2 to work phone
Consumer complaint received 2018-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been the victim of identity theft and have been in the process of removing all fraudulent items. Here is a list of the remaining fraudulent inquiries : XXXX XX/XX/XXXXTransUnion XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX TransUnion XXXX   XX/XX/XXXXTransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXTransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2022-07-18
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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. (AL)

I sent a letter to Experian disputing 1 account through the CFPB that was sent on XXXX. I received a company response that stated in progress by Experian on XXXX for complaint XXXX. It is now XXXX and I have not received a response from Experian. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), Experian have 30 days to investigate disputes. If Experian can not verify the information within the 30 day time period, Experian must delete all of the disputed accounts from my report. I have attached supporting documents.
Consumer complaint received 2022-03-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I went on my credit report to see what I could be eligible for and 3 hard inquiries were on my report I didn't recognize such as : XXXX XXXX XX/XX/XXXX Capital one bank XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I had called 2 credit places XXXX XXXX and XXXX and the both said they cant do anything without a report from the FTC