davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-21
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. (MI)

We made 12 payments in a row to avoid interest charges on our very expensive sectional which we drove an hour from our home to purchase at XXXX in XXXX XXXX, MI. 

After our online account was set up, we opted in for paperless billing because we are environmentally conscious and prefer to receive bills via email. Please see most recent electronic bill received on XX/XX/XXXX. Nowhere on this bill does it inform us that we must pay our balance in full prior to XX/XX/XXXX to avoid any accrued interest charges. Again, per the bill we were under the impression that if the balance of {$290.00} was paid by the due date on XX/XX/XXXX, then we would not have been charged interest. We have never looked at a statement until today when the first customer service rep, XXXX, asked if we had looked at the statement? I replied with no, we have never looked at a statement prior to today. We receive the monthly bill, go online and make the payment on or before the due date. Furthermore, when we made our last payment on XX/XX/XXXX, the balance showing in my online account showed our balance was {$290.00} not the current balance of {$740.00}. If the balance would have been higher than {$290.00} then we would have called in on that day to resolve. Looking back, we wish we would have not opted in for paperless statements then we would have noticed that the payment was due on XX/XX/XXXX. From customers who are extremely busy with day to day life and pay their bills on time every month we would hope that you can make an exception and remove the finance charges for the following reason : 1. Your electronic bills should include a section informing customers as to when a promotional finance period ends instead of just on the statement. Like I said earlier, we have never looked at a statement until this morning after receiving a bill out of nowhere when we thought our balance was at {$0.00}. If this was the case, then the payment would have been made by XX/XX/XXXX. 

2. Please see attached email notifications sent from Comenity Bank, one on XX/XX/XXXX and one on XX/XX/XXXX. If these email notifications DID NOT show our minimum due, due date, and current balance due ( highlighted in Yellow ), then we naturally would have had to open our statement to view our balance and the promo detail expiration date. This is a deceptive email that does not reflect the overall status our account and should not be included in any correspondence to me or any other customer for that matter. 

3. Again, if Comenity mailed our statement to our house then we would have to open it to see what is inside, right? This is a one step process. So, why does an email notification give me balance and not require me to open my statement? If the highlighted information was not in an email to us then we would have to open the statement to see this information.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (KY)

I have been dealing with synchrony bank for a year. During a home loan a sewing and more card showed up on credit. I was going to be denied for mortgage so I had to pay it and report it fraudulent. They have taken a lot of the money off due to fees but still owe me XXXX and will not give it back. They keep telling me different stories and finally told me no. It's started as a card called XXXX something and that's the original number that's on the following page. It is XXXX. They sent me another card and account number after I reported it fraudulent. Not sure why but this is the other account number XXXX. I had positive balance of XXXX then they took fees out of that abd got it down to XXXX. I want all money I paid out as well as compensation for all my troubles. I've lost XXXX in work worried and communicating back and forth over MY MONEY. I've talked with XXXX lawyers and they assured me they could get money back plus some but this would be faster. They also have in XXXX on my statement that they sent me a check its posted as " customer settlement '' in XXXX for XXXX but never sent it out. They are trying to keep my money.
Consumer complaint received 2024-03-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

Good day, I received collection item on my credit report through XXXX for $ XXXX name ( Trans World ) collection agency for XXXX this was old debt related to internet service which I no longer have XXXX mailed me proof of settlement letter dated XX/XX/XXXX that my debt was resolved and nothing owed because I paid itas of XXXX this matter was re-opened so I dont understand why?? XXXX resolved it with me and apparently sold this debt to collection agencyI have been in contact with this company several times, I requested a debt validation letter back in XXXX still not received to my mailing address however, they explained they sent emails to me which I confirmed my email address was correct and never received any emails from this company I was told from representative that ( 2 ) emails were sent one in XXXX & XXXX never received them, also asked if that info. can be sent again I was told they can not forward that info. because Im currently in disputethis company could not even provide timeframe for my dispute status and its been almost 60 days I would just have to wait I dont know who this company is, very unprofessional and many different representatives speaking not clear English that I can understand I did send letter for proof via email XXXX to show that I do not owe a debt to XXXX. This situation is affecting my credit for {$330.00} that I do not oweI have no unpaid balance nor equipment that I never returned. 

Please look into this matter because Im not getting anywhere with this companyjust today requested to speak with supervisor or manager and left on hold. no one ever came back to the line.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to get a small business loan with my credit union and the underwriter told me I was not able to be approved not because of my credit score but because there is some collections on my credit. I dont know how I have collections I pay all my bill before they are due. I went to home and looked at my credit and I see 3 accounts on there that is not mine XXXX XXXX. XXXX and XXXX XXXX. Im doing this by myself and I have also reached out to the FTC and the police here. I was told that you all can help me with this.
Consumer complaint received 2022-05-18
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 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 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

My account has been paid in full since XXXX and XXXX has yet to update my XXXX balance and account status to the three major credit bureaus. This is causing my debt to be higher than it actually is and is affecting my credit score and profile. I've contacted the credit bureaus and the company and I still have not received an update.
Consumer complaint received 2019-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

In XX/XX/2019, I received several alerts from my credit monitoring services that an account was reported. To my surprise, LVNV was reporting as a open Factoring company showing 90 days past due as well as a collection. I have never received any correspondence or calls in regard to this alleged debt. I have filed complaints with the XXXX and mailed/faxed/attached to XXXX website a Debt Validation letter. I have sent this document 3 times only to receive a letter from Resurgent advising that they are the servicer for LVNV. Also received a bunch of  statements. The letter nor the statements VALIDATED that alleged debt. Who is Resurgent anyway? Why are they collecting for LVNV? The alleged debt was for a credit card that is showing that the debt was sold to XXXX XXXX. Who is XXXX XXXX? Never heard from LVNV, Resurgent or XXXX XXXX and the alleged date was brought in XX/XX/2019, but reported in XX/XX/2019 when I decide to apply for a mortgage to buy a home for myself and kids. And not only are they showing as a factoring company as a tradeline, they are showing as a collection! My credit score plummeted! It seems that they are scamming to collect funds from anyone who will fall victim. These are unlawful practices and I will report this to the FTC and the XXXX ( Again! ). They never validated the alleged debt. I requested this 3 times. They since then closed the tradeline but have yet to remove it from my credit report!
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANS UNION HAS DON NOTHING ABOUT XXXX XXXX FOR XXXX THIS IS NOT MY TRANSACTION.ALSO XXXX XXXX HAS ACLOSED ACOUNT ON MY CREDIT FOR XXXX THAT IS NOT MY ACCOUNT. I ALSO JUST HAD SOMEONE DO XXXX INQUIRIES ON MY CREDIT XXXX XX/XX/1921 XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX
Consumer complaint received 2021-08-20
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: Rocket Mortgage, LLC (CO)

I want the fraudulent inquiry from quicken loans removed. XXXX  refused to be of service. I want proof of the authorizations or for the inquiry to be removed immediately.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

The Equifax Credit Reporting Agency have been non-compliant with my request for the removal of the disputed fraudulent information that are being reported on my Credit File. The Equifax Credit Bureau have been reporting inaccurate information that have been already deleted from the other Credit Bureaus. Only if Equifax, have been keeping accurate credit Information they should have never been reporting incorrect information on a consumer 's Credit File. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information on a consumer 's Credit File. However, the Equifax Credit Bureaus have been doing nothing and have even claimed that the disputed inquiries belong to me and yet they have not sent me copies of proof of their verification. I am now submitting this CFPB complaint to request to Equifax to remove the disputed inquiries completely from my Credit File. If Equifax do not comply with the request, please understand I start filing legal actions. 
Delete the following inquiries : XXXX date of inquiry XX/XX/2021 XXXX date of inquiry XX/XX/2021
Consumer complaint received 2024-03-06
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: CITIBANK, N.A. (FL)

on XX/XX/XXXX i filed for a chargeback to my citibank credit card, for {$1300.00} from XXXX XXXX. the original charge i from XX/XX/2023. 
this purchased was made in XXXX for a sofa replacement fabric that had 6 months delivery time. in XXXX after no replys from the merchant, i investigated and found out that the company filed for bankruptcy and is no longer in business. 

Despite this being a clear case of an allowable Chargeback, Citibank has continued to use delay tactics. first by taking 45 days to respond, than requested that i send the information by physical email only ( i was in XXXX, and had to use XXXX at my expense ). than by answering that they will not honer the chargeback. After another formal complaint they reached out to me to once again provide information on the transaction, despite already provided twice. 
i have sent the information a third time, and now i am already another 30 days with no response. 
So i got tired of waiting and delay tactis.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX credit card reported on my credit report that I was negative in XXXX of XXXX. Which I did pay in full that month. Reported it to credit report many times with proof but nothing is being resolved.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These two collection company keeps filing debts on my credit report without contacting me a giving me a chance to dispute debt. Under the FTC law I have the right to receive notification prior to a debt being posted o credit report. Then given 30 days to dispute. I have not been given either. XXXX XXXX filed a debt that was paid. Now this has hurt my credit report and I will be filing a complaint with the AG of Texas and speaking with an attorney about damages. 

XXXX XXXX XXXX XXXX  Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX {$82.00}
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-12-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. (IN)

On XX/XX/XXXX I deposited XXXX in exchange for crypto-currency on BLOCKCHAIN.COM. This transaction along with the next 3 transactions were not sent to the wallet address that I provided. I have emailed them everyday since and submitted numerous support tickets as to why my funds have not been made available to the blockchain. This company does not offer phone support only online. I have had XXXX response from them since XX/XX/XXXX. I have submitted a handful of emails will be of our conversations. I am attaching 5 out of 40 emails that have been shared back and forth. You will see the negligence the support staff has for their customers and the inconsistent transparency to why my funds are still in their possession. It has been a month and my funds have been pretty much stolen from me. I have transaction history and pictures to show my crypto is still " sending ''. I feel that they have scammed me out of my money and have offered XXXX support or visibility into what is going on. I would like my last 5 transactions refunded to me immediately.
Consumer complaint received 2021-10-28
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: Experian Information Solutions Inc. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXXXXXX ). 
( XXXX  XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-05-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

On XXXX XXXX the collection agency Portfolio Recov Assoc add a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and i am no longer responsible for this account. the creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate this debt and anybody can send a bill and say its mines. According to the FCRA XXXX Portfolio Recov Assoc ) has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-12-16
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-05-18
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. (NC)

ACCOUNT WAS PAID IN FULL HOWEVER COMPANY FAILED TO PROVIDE IRS DOCUMENTS AS CHARGE OFF ARE TO BE REPORTED TO THE IRS AND ARE CONSIDERED AS GROSS OR ORDINARY INCOME ( READ IRS PUBLICATION CANCELED DEBT XXXX ) ACCOUNT NUMBER : XXXX : PAID IN FULL ACOOUNT WAS CLOSED XXXX and has negatively impacted my credit score for reporting as Charge offs for numerous months after account was paid in full.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Verisk Analytics Inc (NJ)

I HAVE SENT SEVERAL LETTERS TO XXXX DISPUTING THE VALIDITY OF THE XXXX  THEY ARE REPORTING ON MY CONSUMER FILE AND REPORTING TO OTHER XXXX AND XXXX. THEY KEEP SENDING GENERIC LETTERS BUT NO PROOF OF THE VERFICIATION. THIS IS MAKING TO DIFFCULT FOR ME TO PURCHASE A HOME AND CAUSING ME TO PAY XXXX MORE IN INTEREST EVERY YEAR. 
THIS ITEM NEEDS TO BE DELETED FROM MY CREDIT REPORT IF IT CAN NOT BE VERIFIED WITHIN 30 DAYS.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Entrata Inc. (TX)

This company is reporting inaccurate information. They are reporting a judgement for {$120.00}. I have NO clue where this is from. I have tried to dispute them personally and they refuse to delete this information. I have disclosed laws that they are breaking for reporting inaccurate information.