davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-13
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: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX OLD ACCOUNT NUMBER : XXXX NEW ACCOUNT NUMBER : XXXX To Whom It May Concern : I purchased a 3 piece living room set on XX/XX/XXXX from Wayfair for {$1600.00} on account number XXXX ( see attached statement showing purchase ) In XX/XX/XXXX Commenity changed my account number to a new account number XXXX. 

One year later on XX/XX/XXXX I was issued 2 refunds from Wayfair, due to the furniture falling apart, to my OLD account number XXXX for the amounts of {$1300.00} and {$280.00} for a total of {$1600.00} ( see attached refund confirmation from Wayfair ). 

The refunds have not been applied to my balance as of today XX/XX/XXXX. 

I have submitted 3 disputes : 1 online on XX/XX/XXXX, one via phone on XX/XX/XXXX, and also mailed in a dispute letter on XX/XX/XXXX. All disputes were opened and closed by you with no investigation at all. 

Please apply my refunds {$1300.00} and {$280.00} for a total of {$1600.00}
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My police report number is XXXX. XXXX XXXX Police Department. 

I have errors on my credit reports that I have been trying to remove for years unsuccessfully and the credit bureaus have continued to list them as valid. These are fraudulent reporting errors and I wish them removed immediately. 

XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3800.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$2600.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$37.00}, XXXX written off. {$37.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$37000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$34000.00} Highest balance {$0.00} Terms 74 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7400.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$6000.00} Highest balance {$0.00} Terms 36 Months On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Transferred, closed. {$420.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$420.00} Terms NA
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

I was told, essentially, that my account was closed because of returned payments. Returned payments at the past had been at Wells Fargo own direction. I said that I made a mistake, and they told me to cal my bank and stop payment. I was simply following Well 's Fargo directions. Then this month I had a returned payment while I was overseas and in the hospital. I had no idea there was an issue with my payment and bank account. I want my account reopened. I do not want to apply for a new card. My account never should have been closed. I am disgusted with how I have been treated by your company. I have called multiple times to have this resolved, but your bankers have been completely unable to help me. In addition, I am willing to pay off the balance in full on the condition that my account is reopened or a new account is immediately reopened in my name. I will not reapply again, because my account should never have been closed. And please don't hide behind the excuse that " Wells Fargo can close an account for any reason ''. I don't care. I've spent thousands on this card and made many successful payments. I can pay off the balance in full, but my credit card or a new credit card better be reopened. To be treated this way, it is clear to me why so many people avoid well Fargo.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. It boggles my mind that your bureau continues to dismiss the validity of my identity theft claim, leaving me in a state of perpetual frustration. I came to you seeking assistance and justice, but instead, I've encountered red tape and inaction. I implore you to swiftly initiate a thorough investigation into these matters, remove the fraudulent accounts from my credit report, and help restore my financial standing. I'm not asking for special treatment ; I'm asking for what is rightfully mine as a victim of identity theft. XXXXXXXX XXXX XXXX XXXX. Please remove this account ASAP.
Consumer complaint received 2021-11-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (WI)

I have had issues with the billing on my account since earlier this year. See XXXX for the initial complaint. In XXXX, they sent me notice that I was past due ( reoccurring payment was in place ). I went in a paid the payment due and inquired as to why it wasn't deducted. They said not to worry, things were fine and the account was fixed. Then my account was debited for the payment on XXXX. According to their explanations, the reoccurring payment was taken out on the due date but didn't post to my account until XXXX. They said the past due notice was system generated and they had no way of not generating that. This caused my account to be double paid in the same month because of their errors. My bills don't show the total amount due or a breakdown of the charges per my loan documents. I get a bill now and it shows it is due for twice the amount because according to the UAS representatives, the lender is choosing to bill that way and they have no control over the fact that is shows two months at a time on one bill. They said only pay the amount due for the month but I do not get anything showing what that is. Even when I go online, there is a current amount due but it also shows a greater amount due as the outstanding balance to pay with the due date of the current month. When I get my statement, it shows the amount of interest that accrued for the month but the total amount due is much higher. There is no transparency in billing practices and when I contact UAS connect, they just blame the lender, Summit, and go no further to resolve the issues. The last message I sent, I requested contact information as to who I needed to speak with to resolve the issues with Summit and got no reply.
Consumer complaint received 2022-05-20
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 — Investigation took more than 30 days
Company: Convergent Resources, Inc. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent  XXXX ( XXXX  XXXX XXXX XXXX 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.

15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt. 

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 

On XXXX XXXX by Certified Mail I disputed inaccurate and unverified information on my XXXX XXXX XXXX consumer report from XXXX XXXX, XXXX XXXX  and XXXX XXXX. I have attached those correspondences below. XXXX XXXX XXXX responded by placing a block on the XXXX file due to Identity theft in which I included a police report. I then received a letter from Convergent attempting to collect on this alleged debt. XXXX XXXX XXXX sent a response regarding my dispute with XXXX XXXX  stating it was verified as accurate but they do not have access to account documentation therefore they were unable to provide any copies of documentation with my signature or how this information was verified to be able to report it on my consumer file. I requested information about who they spoke with at XXXX XXXX to verify the debt and they were unable to provide such information. 
According to the F.C.R.A Sections 609 ( a ) ( 1 ) ( a ) & Section 611 ( a ) ( 1 ) ( a ) it states that XXXX XXXX  signs has to provide copies of signed documentation and XXXX XXXX stated that they don't even have access. According to Section 611 ( a ) ( 1 ) ( A ) Method of Verification wasn't provided except for the fact that it was accurate and complete as of the date it was furnished to their database. XXXX XXXX didn't properly investigate this information so why are they reporting this information on my file. Lastly, XXXX XXXX didn't respond to my dispute regarding XXXX XXXX XXXX  at all. This letter was included with the other two dispute letter sent by Certified Mail as XXXX XXXX did say they received it.
Consumer complaint received 2021-11-13
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. (DC)

Experian Credit Bureau : I have called the company multiple times within the past 3 weeks via phone and dispute about the TWO addresses on my credit report. 

The address on my credit file that does NOT belong and is NOT current is XXXX XXXX XXXX, XXXX XXXX, MD XXXX. 

I was told that the creditor, XXXX XXXX XXXX, is reporting this address as my CURRENT address and that EXPERIAN CAN NOT REMOVE IT, even though is is NOT my current address. A creditor has no right to tell a credit agency that my address is valid and it is my CURRENT address. 

I have sent all information to the credit agency and still, I am being the told that it can not be removed. 

When I call to verify my information with the Experian rep, my information is verified with MY CURRENT ADDRESS AND INFO, not an invalid address. 

This has been going on back and forth, without resolve and I am beyond ticked off about this matter. I WANT THE MD ADDRESS REMOVED FROM MY FILE ASAP and I am also going to file a report with another Government agency about this matter. 

I do NOT reside in MD and I want my credit report fixed, sooner than later. Enough is enough already, especially when the consumer has to verify information!
Consumer complaint received 2021-11-13
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)

XXXX is trying to collect approx. {$8000.00} from me and is reporting to the credit bureaus incorrectly. This company has already sold the vehicle and collected the full amount of vehicle. They told me I had to pay approx. {$1000.00}, but they are billing me and reporting to the credit bureaus stating I owe them approx. {$8000.00}. They are telling me one thing and billing me for another. By law they cant collect the full amount of the vehicle if they already sold the vehicle for the full amount. I spoke to an attorney regarding this issue. I understand I owe about 4 months of payments, but I refuse and will not pay {$8000.00}. They are ruining my credit for a car they already got paid for which is illegal.
Consumer complaint received 2019-07-22
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)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-02-11
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent my husband an email that he needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under our social security number and by the look of it this person that stole our identity was not able to pay the things opened under our name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$3000.00} XXXX XXXX  XXXX {$20000.00} XXXXXXXX   XXXX {$510.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX {$20000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

* Last month XXXX reported my score was XXXX to a Mortgage company that made my FICO Score lower than it should of been. 
*Credit Agencies allowed a XXXX account be relabeled to a personal account and called it revolving. 
* I have never had a XXXX credit score in my adult life. 
* Mortgage companies lowered raised my interest rates due to this credit adjustment. 
*My credit report is being fraudulently tampered with by placing fraudelent information and fraudulently reporting credit checks on my report. 
* I also have a derogatory credit reporting that I had a cable account just close in XXXX a couple months ago after living and working in texas the last last years * I was a whistle blower against the government were I exposed millions of tax payer dollars was being stolen. I have been retaliated against. The case just settled in XXXX.
Consumer complaint received 2020-02-11
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. (GA)

I was a victim of identity theft due to a data breach with XXXX  in 2018. My personal information was compromised causing the following fraudulent accounts to be established in my name : 1. XXXX 2.XXXX   credit card 3.XXXX credit card. In addition the following inquiries are fraudulent on my credit file due to identity theft breach. 

1.XXXX XXXX  XXXX XXXX Please remove all fraudulent items from my credit file immediately.
Consumer complaint received 2022-10-12
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, Bank XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Michigan 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-20
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. (OH)

Experian, XXXX, and XXXX is reporting old addresses that do not belong to me. I have contacted and they will not remove. I am a victim of fraud and there has been multiple things opened on my credit that does not belong to me under many different address. These accounts connected to addresses/names that are not mine need deleted immediately. They have FTC reports showing my filings.
Consumer complaint received 2022-05-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NY)

This people called stating that they were part of and student program that Im actually already and and made it seem like it was for my well beings and had me believe its wasnt fraud got my personal info and now is requesting for money that I dont have and asking for government money and debit cards and harrassing me to pay off a student loan that at XXXX  dollar rate .XXXX  is the company they have no website they call from different numbers they text you every other day and they email fake payment options I am a victim and trusted this people and now Im in a situation with my personal info please help.
Consumer complaint received 2021-11-14
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. (FL)

I am consumer XXXX XXXX XXXX. I am being federally violated by equifax and they are committing a crime pursuant to 15 usc 1681 ( b ) ( 2 ) I never gave written permission to equifax. I demand that the tradelines listed be deleted convergent outsource XX/XX/2021 XXXX XXXX XXXX XXXX. No consent is identity theft this company is infringing on my right to privacy. I did let the federal trade commission know that this crime is taking place. Equifax is not a bureau. pursuant to 15 usc 1601 103 ( b ) bureau - the term bureau means the bureau of consumer financial protection. pursuant to 15 usc 1681 c-2 block of information resulting from identity theft. ( a ) except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such an agency
Consumer complaint received 2021-11-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL (IN)

I spoke JC Penny to make payment arrangements. They said I had to pay a certain amount. Next thing I know Collectors are calling me and family members threatening them. They threatening to put me in XXXX. I was scared that they where following me. It showed they wrote it off on credit report. Debit is from XX/XX/XXXX and they are back to calling with Threatening Language.
Consumer complaint received 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This was not sent in error I am a consumer by law and I am frustrated. As of today its been over 90 days and they have yet taken any action to correct the inaccuracies. They Violated The United States Code Law under permissible purpose. I never gave them any written consent to report anything on my consumer report no consent is identity theft.