davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (OH)

Beginning in XX/XX/2023... .I stopped receiving postal mail and online statements. I believe at the time XXXX as near as I can tell I owed less then {$30.00}. This is on a credit card with Comenity Bank. 
In XXXX of XXXX my XXXX XXXX account sent me a warning that Comenity Bank put a mark on my credit report for 30 days past due. First I tried calling them per thr number on the back of my credit card XXXX different times in XXXX weeks I tried calling them..EVERY TIME after putting in my info. their phone hung up on me. 
I have tried a TOTAL of XXXX times to pay my bill on line and even though I put in MY CREDIT CARD Number it states my account doesn't exist. They have blocked me from all access to my account... but yet according to XXXX XXXX they are charging me {$40.00} a month in late charges. The amount showing on XXXX XXXX I owe is {$120.00} I had to send a check by mail to pay it off. I do not for one minute believe they will either a pay it on time or else acknowledge it is paid. But they have blocked me from my account. On my credit report they are the credit card showing me late in 5 years... but yet no statement of any kind and block my account and my calls I want this straightened out and I want the account I have for the Comenity credit card CLOSED PERMANENTLY Thank you, XXXX XXXX
Consumer complaint received 2022-07-26
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. (IL)

i was a victim of idenity theft. i have XXXX accounts on my credit report that i didnt realize was on my credit that are fraudulent 1. XXXX XXXX -date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 2.XXXX XXXXXXXX XXXX- date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 3.XXXX XXXX XXXX XXXX  -date fraud began XX/XX/XXXX - date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response XXXXXXXX XXXX XXXX -date fraud began XX/XX/XXXX -date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response
Consumer complaint received 2021-07-21
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. (AZ)

I requested a credit report from TransUnion, and it arrived in an unsealed envelope on XX/XX/XXXX, though I did not discover the envelope 's status until XX/XX/XXXX. I called TransUnion on XX/XX/XXXX to complain, as TransUnion 's return address was visible from the exterior of the envelope and would have alerted unauthorized others about the envelope 's contents. The security of my confidential information was breached. 

The TransUnion representative I spoke with put me on hold and came back to say that I should contact the United States Postal Service, as TransUnion provides documents to the USPS for envelope stuffing and mailing. I certainly hope that conversation was recorded. I went back and forth with the representative about the accuracy of her statement, and the call was disconnected for unknown reasons. 

On XX/XX/XXXX I initiated an investigation with the USPS regarding TransUnion 's claim. On XX/XX/XXXX I received an email from the USPS stating that the USPS does not stuff envelopes for companies. 

On XX/XX/XXXX, at the recommendation of a CFPB representative, I mailed a written complaint to TransUnion. I sent this certified so that I could track its receipt. On XX/XX/XXXX I received a response from TransUnion. It was a generic letter indicating that I had filled out their complaint form improperly or illegibly. 

In the meantime, I spoke with an attorney on XX/XX/XXXX who suggested that I request a new credit report each week through XX/XX/XXXX. Given that the online submission process through XXXXXXXX XXXX XXXX XXXXXXXX XXXX does not actually allow me to obtain my credit reports online, I've been sending my requests via certified mail. This is due to the confidential information on the request form. It costs {$7.00} to mail a certified letter. Some people can not afford to spend {$7.00} per week for approximately 42 weeks to monitor for indications of identity theft. It is ironic that some of the credit reports I have to request come from TransUnion, which is the company that caused this whole problem. 

I am asking for assistance in holding TransUnion accountable for neglecting to seal the envelope containing my confidential consumer and personal information. If a health care entity had failed to seal an envelope containing a person 's protected health information, that entity could be penalized by law. TransUnion neglected its duty to protect my data, then blamed the issue on the post office and disregarded my written complaint. I am left with the onerous task of protecting myself from identity theft, and it is costing me at least {$7.00} a week in addition to my time.
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA received a request from XXXX  XXXX XXXX to provide them a Hold Harmless Agreement or Indemnity Agreement so they can legally transfer my funds back to my account. It has been over a month since XXXX  XXXX XXXX requested this from USAA and they still complete and turned form in to XXXX XXXX XXXX. XXXX XXXX XXXX informed me today the longer my bank takes to complete form the higher the possibility for the scammer to remove my funds. 

My Bank ( USAA ) has sent multiple recall requests and XXXX  XXXX XXXX still hasn't respond the recall. XXXX XXXX XXXX of XXXX XXXX XXXX did a Wire fraud scam impersonating XXXX XXXX XXXX an real estate investor and committing a federal scam. Scamming me out of a total of {$9000.00}. My bank USAA requested numerous of times to XXXX XXXX XXXX along with the police report the circumstance and and XXXX  XXXX XXXX refused to their further investigation to give me my funds back. This scam of {$9000.00} has put me in a bind financially with the owner of the property and financially. I met XXXX XXXX XXXX late XXXX at Real Estate Investor convention in XXXX. We talked briefly about future Real Estate deal and agreed to work together. He reached out to me via email and chatted about him lending me a Real Estate Investing Loan for a property I was acquiring. XXXX is a Real Estate Investor with his company XXXX XXXX XXXX XXXX. After exchanging numerous emails and signing contracts, He agreed to dispersed funding of {$800000.00} once I pay the the {$8000.00} origination fee and a {$1000.00} Payment Protection Insurance fee. Once I wired the transfer to unknown individual ( XXXX XXXX XXXX ) from XXXX  XXXX XXXX, XXXX XXXX XXXX completely disappeared. No email response, phone call etc. I have email, wire confirmations, His LinkedIn, and XXXX XXXX XXXX XXXX  XXXX XXXX information ( routing and account no. ) I filed wired fraud investigation with my bank USAA and filed a police report. I have all documentation needed.
Consumer complaint received 2021-03-09
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: AMERICAN EXPRESS COMPANY (AL)

I am writing to AMERICAN EXPRESS because I am having difficulties with buying a house and applying for new credit cards. I paid the XXXX account and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting AMERICAN EXPRESS company to remove this account from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2021-07-21
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. (CA)

A company by the name of XXXX XXXX has 4 accounts in collections from XXXX XXXX XXXX on my consumer report. These accounts are dated from 2017, however, I have a current relationship with XXXX today. The accounts are listed as {$110.00}, {$94.00}, {$410.00}, {$110.00} I have never done business nor do I have a contract with XXXX XXXX, this debt is not valid or verified pursuant to FDCPA 15 USC 1692g. 

It is also an invasion of my privacy pursuant FCRA 15 USC 1681c ( 6 ). I do not recall being contacted by the orignial creditor nor XXXX XXXX once the alleged debt was purchased.
Consumer complaint received 2021-03-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (CA)

I submitted a letter to Experian dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please remove the late payments from this account : XXXX XXXX
Consumer complaint received 2021-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2021 I opened a phone dispute with Capital One VISA in the amount of {$2600.00} for a ruby and diamond ring purchased from XXXX. 

On XX/XX/XXXX and XXXX, 2021 Capital One responded requesting additional information. Please see my responses below dated XX/XX/2021 and excerpt from my cover letter. I also uploaded supporting communication with the merchant and a letter from a reputable jeweler. 

- Merchant name : XXXX  - Transaction date : XX/XX/2021 - Disputed amount : {$2600.00} - Sales invoice : XXXX attached. 
- Information/evidence to support how merchandise received differs from what was received : See attached from XXXXX Jewelry. 
- Second opinion on company letterhead : See attached from XXXXX Jewelry. 
- How the problem needs to be corrected : The dispute can be corrected by the merchant taking the ring back and providing a full refund of {$2600.00}. I do not wish a store credit or to conduct business with this merchant again. The practice of bait and switch is illegal and fraudulent. Final sale should not protect the merchant from this practice. I expected to receive what was described and aired on their show. 
- Number of times merchant contacted : I reached out to the merchant twice via e-mail to document our communication and try to resolve the dispute. 
- Returned the installed parts : Not applicable. 
- Merchant refund voucher : Not applicable. 

On XX/XX/2021 Capital One requested the above information again. I am not sure it was ever reviewed when I uploaded back on XX/XX/2021. I called Capital One dispute department on XX/XX/2021 to confirm that the information and supporting documents needed uploading again. I spoke to a dispute manager who confirmed I needed to resubmit. 
The documents were reuploaded on XX/XX/2021. 

According to Capital One dispute, VISA is reiterating the merchants response/rebuttal that the item I purchased was " final sale. '' Although VISA requested a " second opinion '' from a jeweler stating how the item received was different from what was aired on TV. It now appears that VISA is not taking this information into consideration.

At this time, I am getting the runaround from Capital One and VISA. Capital One is sighting VISA is not cooperating and making this dispute difficult. Also, disputes have been filed with the FTC and BBB against the merchant, TVON, for fraud in the form of " bait and switch. '' I still have the unused ring with the tag. I seek Capital One and VISA 's review of all supporting documentation and not waste time. To resolve the issue, I request the merchant take back to the ring for a full refund of {$2600.00} back on my Capital One VISA card.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I kindly request your assistance in providing me with accurate and complete information regarding anydelinquency or derogatory behavior associated with my credit report. It is important that the informationreported follows all established laws and standards. I understand that negative information can be damaging, which is why I am requesting that you confirm any potential negative information reported. I value transparency and would like to know the absolute truth and facts. I believe that the report you provided may not be entirely accurate due to the lack of evidence supporting some of the claims. 

To ensure the integrity of the data, I kindly ask that you follow the Metro 2 data field formatted reporting standard. Could you please provide me with a document that shows all the evidence for each claim? It is important that this document is verified as correct, complete, and true. According to the 2020 CRRG, any deviation from these standards jeopardizes the integrity of the data. I understand that mistakes can happen, but I want to ensure that the reporting process was done correctly and that the format is correct. Therefore, I can not confirm the accuracy of your claims until I receive sufficient evidence. Thank you for your cooperation in resolving this matter. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - 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
Consumer complaint received 2021-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I started a refinance in XXXX to get into a conventional loan and during that process it was found that my property taxes were never paid 3years ago by XXXX. I contacted my current loan servicer, and they informed me that this mistake was made by XXXX and they did not receive any escrow funds from them and they were not responsible. I then contacted XXXX multiple times and finally found out that they collected the funds from me but never paid them to the county nor issued a check for the overage to me. They made promises that they would send the check out in 1-3 business days and this kept happening for three months. I finally received the check, deposited it, and it bounced 3 days later! I then called XXXX multiple times, with multiple managers and left several messages with no return call. I believe this company is practicing fraudulent activities, at the very least they are engaged in unethical practices. If i hadn't of stumbled on the information, they would have kept my money without any notification to me. Not only has this placed a huge financial burden on our family, i have been unable to refinance due to this. I am also on the hook for XXXX in penalties and interest for their mistake, which they have offered zero help with.
Consumer complaint received 2019-09-26
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. (TX)

Experian credit report continued to erroneously place a collection account ( which was never mine to begin with ) on my XX/XX/XXXX to XX/XX/XXXX credit reports. The alleged collection was reported in XX/XX/XXXX and was due to be removed by XX/XX/XXXX-that did not happen. The amounts on my report show collections of {$500.00} and {$4800.00}, both of which I do not owe and yet for the past 8 years Experian has had this collection account on my record. In XX/XX/XXXX I paid a credit repair service to correct the matter by placing a statement on my report and Experian still did nothing to remove the account.
Consumer complaint received 2021-07-21
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: DISCOVER BANK (OR)

XX/XX/2021, I made a reservation for XX/XX/XXXX at the local XXXX XXXXXXXX XXXX - Confirmation number XXXX for {$320.00} with my Discover card. Unfortunately due to circumstances beyond my control : ( post XXXX XXXX symptoms/illness and a five day ice storm with power outages city-wide ) I could not keep my reservation. 

I reached out to Discover XX/XX/2021 to let them know to remove the charges as I was not able to keep the reservation due to the reason ( s ) as listed above. 

Shortly thereafter, a credit of over {$750.00} appeared on-line on my Discover card with this notice from Discover : We're writing to inform you that XXXX XXXX  XXXX issued a credit for the disputed transaction that we also previously credited. This means your account has been credited twice for the same transaction. To correct this, we have reversed our previous credit, which you will see on your next billing statement. 

What XXXX XXXX  had done was refund to Discover was the Reservation and the Hotel stay. Which I found most confusing, at any rate, XXXX XXXX  returned two transactions to Discover. And since I do not carry balance ( s ) on my credit cards, I always pay in full each month, I knew everyone was made whole. I did not owe any money to Discover as XXXX had reversed the charges. 

This is a record of my dispute with both companies. 

We're writing to inform you that XXXX XXXX  XXXX issued a credit for the disputed transaction that we also previously credited. This means your account has been credited twice for the same transaction. To correct this, we have reversed our previous credit, which you will see on your next billing statement. 

Case Number:XXXX Merchant Name : XXXX XXXX  XXXX Dispute Amount : {$320.00} I've been fighting with Discover since XX/XX/2021, and I'm simply exhausted. Please help me!! 



Thank you, XXXX XXXX
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2019-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

Credence keeps calling me for debt collection for XXXX XXXX XXXX. But I called XXXX XXXX XXXX and XXXX XXXX XXXX told me all accounts have been payed and that I should dis regard the calls from credence. Credence keeps calling me and I dont know what to do. The guy in the phone started getting very annoyed with me because I wouldnt pay. It felt like he was harassing me. I was never notified by XXXX XXXX XXXX that I even owe this money. Something doesnt seem right. I feel like Im being scammed.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (MI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. S 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX This account has been deleted XXXX and XXXX but still remain on XXXX XXXX XXXX XXXX They are not licensed to collect in XXXX XXXXXXXX XXXX They are not licensed to collect in XXXX XXXX XXXX XXXX XXXXXXXX They are not licensed to collect in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I never signed an agreement with them XXXX XXXX XXXX XXXXXXXX XXXX XXXX I never signed an agreement with them 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 I am enclosing a copy of my credit report