davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
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. (PA)

I want XXXX XXXX  to answer, IN DETAIL, my questions. They tell me they have answered my questions, but if they read my letters they should understand that they really have not answered them at all. And that some of these questions have been unanswered since, at least, XX/XX/XXXX. And Ive been calling almost every month since XX/XX/XXXX when they took this account over. 

Answers of your account is right or we previously answered your questions and have not received and additional information supporting your claims are all untrue. My letter of XX/XX/XXXX gave them copies of 5 charges I made to the account. My letter of XX/XX/XXXX included a 6th receipt dated XX/XX/XXXX that was an adjustment - A CREDIT, NOT A CHARGE. 
They claimed they have matched the receipts to the statement. But there is one plan that I dont understand, I have no receipt for it ; and all they will say is that it is right. WHERE IS THE RECEIPT FOR THAT PLAN ( XXXX ) Here is the match of the receipts against the payment plans. 


RECEIPT DATE AMOUNT PLAN PLAN NUMBER STATUS : XX/XX/XXXX -- XXXX XXXX INTEREST/IN FULL 12 MONTHS XXXX -PAID IN FULL ON XX/XX/XXXX STATEMENT XX/XX/XXXX XXXX XXXX MONTH/ {$120.00} PER MONTH XXXX -STILL IN PROGRESS XX/XX/XXXX XXXX XXXX MONTH/ {$80.00} PER MONTH XXXX -STILL IN PROGRESS XX/XX/XXXX XXXX -NO INTEREST 12 MONTHS FULL XXXX -PAID IN FULL ON XX/XX/XXXX STATEMENT XX/XX/XXXX XXXX -REVOLVING NO PLAN NO BALANCES EVER SHOWN ON STATEMENTS -PAID IN FULL ON XX/XX/XXXX STATEMENT XX/XX/XXXX XXXX XX/XX/XXXX STATEMENT SAY -WHERE IS THE RECEIPT FOR THIS??? WHAT IS THIS FOR? 
-PAYMENT PLAN XXXX -PAID IN FULL ON XX/XX/XXXX STATEMENT I HAVE NO RECEIPT FOR A XX/XX/XXXX CHARGE RESULTING IN A PAYMENT PLAN. PLEASE PROVIDE A COPY OF THIS CHARGE. AND IF MY XX/XX/XXXX LETTER IS READ I INDICATED THAT THE ADJUSTMENT ON THAT DATE WAS {$230.00} CREDIT WITH A CHARGE OF XXXX TO GIVE MY ACCOUNT A {$50.00} CREDIT AND WAS HANDLED ON THE XX/XX/XXXX AND SHOULD NOT BE A PAYMENT PLAN IF THAT IS WHAT YOU WERE DOING. 

PLEASE ANSWER THIS!!!!!!! 

P.S. Sending copies of all the statements is not an itemization of each of these plans and the revolving. I sent what I was able to do in letter of XX/XX/XXXX. Answered only with " already answered '' and IT WAS NOT! 


XXXX has copies of receipts for 5 charges and 1 adjustment.
Consumer complaint received 2020-02-04
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)

I was informed by my cars salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX   XXXX {$1900.00}
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

Since 2014, Experian remains the only credit bureau that hasn't been able to provide me any documentation ( credit freeze and annual credit report ) electronically, only ever by mail. This is incredibly inconvenient because I have been studying abroad and don't have a permanent address in the USA. Additionally, it requires additional paperwork to be filled out and submitted, which I wouldn't mind except that this has now been going on for 4 years for no reason that I can see. To me this is fraudulent. I don't have the resources, time, or power as an individual to resolve this repeated issue.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX  is incorrectly posting a 30 last to my credit file. This is been negatively effecting me for more than 8 months now. They have admitted that were wrong and sent the late payment I was forced to pay back ( as see by the documentation that I have uploaded to this complaint ). It is not right and an inaccurate repot of 30 days late they can't send me a refund but continue to post that I was late. P
Consumer complaint received 2022-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-16
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: Innovis (WV)

Innovis refuses to delete information from my innovis credit report that I have indicated to them that was ID theft to wit a XXXX XXXX account I recently went through the dispute process and they sided with XXXXXXXX XXXX stating the information is accurate and will remain I have discussed this with innovis several times informed them that this was ID theft and should be removed and innovis continues to side with the creditor and refuses to remove it from my report.
Consumer complaint received 2022-03-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (ME)

Since XXXX of XXXX, I have been in the process of refinancing, with my credit union, my current mortgage. During this process of getting the title work completed, it was discovered that Loancare , LLC, who was the previous mortgage holder, assigned to XXXX XXXX XXXX XXXX, my current mortgage holder, by instrument recorded on XX/XX/XXXX. Said assignment was executed on behalf of Loancare LLC by XXXX XXXX XXXX  XXXX as Attorney-in-Fact. Because the county in which we reside, XXXX XXXX in Maine, will not accept just a Power of Attorney, it must be a Discharge of Mortgage. I have attempted a solution through my title company since XXXX, XXXX ( 5 months at this date ). Loancare LLC is not cooperating with completing this Discharge of Mortgage, and thus the credit union can not close on my refinance. I would plead that this Bureau would intercede on my behalf to remedy this situation in some manner so that I can move forward. Thanks in advance for your help with this.
Consumer complaint received 2018-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft yet your company XXXX has inserted a negative mark onto my credit file without first notifying me to give me my right to dispute and request validation. The account XXXX XXXX in the amount of {$250.00} do not belong to me and are in fact a result of identity theft. The account was assigned dated XX/XX/2018. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. One again this account is a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a medical and I have not ever given your company or any other company authorization to share any health information about myself. Your company is in complete violation of HIPPA.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

The company froze my report then refused to unfreeze it in a timely matter. They said it would take 5 business days. They also ran me through 2 departments and an ungodly amount of verification. Balances on 5 credit cards, mortgage payment, ect. 

The problem happened with Experian and XXXX
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i contacted transuion and explained to them that i had a number of unauthorized inquires on my credit file and they refused to delete them as requested by me.
Consumer complaint received 2018-08-16
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. (GA)

Transunion has entered an item on my credit report that is reporting incorrectly and should not be on credit file. XXXX XXXX should not be listed on my credit report with negative information. I have attached information that shows a clean history with this account which is past the reporting time to be listed.
Consumer complaint received 2018-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC (TX)

I am a victim of identity theft yet your company Harvard has inserted a negative mark onto my credit file without first notifying me to give me my right to dispute and request validation. The account Harvard collections in the amount of {$250.00} do not belong to me and are in fact a result of identity theft. The account was assigned dated XX/XX/2018. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. One again this account is a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a medical and I have not ever given your company or any other company authorization to share any health information about myself. Your company is in complete violation of HIPPA.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (TN)

I went to XXXX back in XXXX of 2022 to become a customer with them. XXXX was advertising free phone with new service, so I went in to pick out a phone and they told me I had 14 days to try it out. Well I called them a couple days latter to tell them the phone was getting hot and 11 days later I took it back and told them I didn't want it. It cost me XXXX to get out of the store with supposedly a free phone. They never told me about all the hidden charges. Now I've got a debt collector months latter for a bill that XXXX can't provide me with a brake down on how this bill occurred 5 months later and they tell me the account has been closed since XX/XX/2022. I'm wondering how I can get a bill from a closed account?
Consumer complaint received 2018-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Opened a Capital One account in XXXX to utilize XXXX as well as keep my main bank account away from auction transactions or anything else I sell online due to having XXXX just steal over {$2000.00} from me and send to someone in XXXX ( filed multiple complaints on this incident and received not one response ). 

I had several XXXX transactions and also several paychecks deposited into the account. For no reason at Capital one said the account was fraudulent and locked it down. It was froze for over 2 months and had several more paychecks deposited before i got my direct deposit changed. 

They just sent me a letter saying that they sent all funds beack to there original source. I'm now bankrupt.
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo SBA loan officer is using an acceleration clause and calling the total SBA loan amount due within 14 days, a total of {$510000.00} dollars.The SBA loan is in good standing, payments have been made. 
Wells Fargo 's stated reason for the accelerated payment request is over an unpaid line of credit of {$49000.00}. 
This line of credit was used by the previous owner of the corporation in the amount of {$27000.00}. Yet Wells Fargo is still trying to collect the entire amount of {$49000.00} from the company, moreover now we have to pay off the entire SBA loan amount of {$510000.00} Company made a {$25000.00} payment on XX/XX/2018 to stop the acceleration of the total loan, and further we made a commitment to pay the remaining amount as well since Wells Fargo would not stop the proceedings. 
However in the mean time the enclosed letter arrived from Wells Fargo holding the previous owner responsible for {$27000.00}. 
We have asked the loan officer to stop the acceleration payment and relieve us from the remaining debt obligation, however Wells Fargo is still perusing us for the total payment of the line of credit and the accelerated SBA payment. 
Please help us resolve this issue with Wells Fargo.
Consumer complaint received 2018-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Admin Recovery, LLC (TX)

My name is XXXX XXXX. Because my name is so common, I receive frequent calls from collection agencies seeking other people with the last name XXXX. 

Today I received a call from a company claiming to be called Admin Recovery seeking a XXXX XXXX. They asked about a credit card that I never have had. I advised them that they had the wrong XXXX XXXX. I have received calls about this account before. The person on the line then asked if they could leave a message, I explained that I had no connection to the debt or the individual they were seeking. They provided a date of birth that was not mine. I stated that I wanted to be removed from their calling list, the individual stated that my phone number was listed as a secondary contact and that they would investigate it. This happened around XXXX CST. 

I wish to repeat -- I have a common name, I am not the individual they were seeking, I do not know who they were seeking and they refused to simply remove me from their contact listing.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

I have a collection account listed on my credit reports by a debt collection agency XXXX XXXX. XXXX XXXX failed to validate and provide proof that they own this debt. Therefore i am disputing this account and would like it removed from my credit reports.
Consumer complaint received 2022-07-08
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: DISCOVER BANK (IL)

I received two credit alerts on XX/XX/XXXX from XXXX XXXX XXXX and Discover. Both indicated that they had received a new inquiry on my credit report. They fraudulently used my full name, address for application to XXXX XXXX XXXX for XXXX XXXX XXXX. 

I have since contacted XXXX and XXXX  XXXX XXXX. I spoke to personnel at XXXX XXXX XXXX and XXXX, instituted a security freeze with XXXX. I also spoke to XXXX  XXXX XXXX personnel who indicated they would terminate the application. 

Your assistance with this issue is greatly appreciated. 

Regards, XXXX
Consumer complaint received 2018-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (LA)

Company called XXXX XXXX XXXX ( 3rd party ) gave me information about a forbearance stating that I have to pay {$160.00} to them for 3 month and after the payment I wont have to do any payment for the next 240 months. My actual loan company Mohela call led stating that all of it is false information and that the company is fraud. Forbearance is a free process and I should receive my money back
Consumer complaint received 2018-08-16
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: Resurgent Capital Services L.P. (MO)

Due to some uncontrollable circumstances, I had some late payments with a company that is company represents. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for XXXX XXXX to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.
Consumer complaint received 2018-08-16
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : IN 2017 - Perhaps the payments were applied wrong or delayed a day or two, but not more than 30 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (TX)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (FL)

Re : XXXX XXXX  account # XXXX, XXXX To whom it may concern : Please consider this letter as my formal complaint against XXXX XXXX ( Army Air force exchange ) AAFES. 

I have sent certified/return receipt dispute letters to XXXX XXXX requesting verification of this account in accordance with FCRA. These dispute letters were received by them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX was unable to verify/validate this account in accordance with FCRA. 

After challenging this account with the credit bureaus directly, This account was removed. XXXX   XXXX then reinserted this account under a different account number ( XXXX ) without the 5 day reinsertion notice required by FCRA. 

As this account was hindering my credit worthiness, and with XXXX XXXX unwilling to correct their records, I decided to pay the full balance allegedly owed by sending a pay for delete letter and check. On XX/XX/XXXX I sent this contract along with a check for full payment as reported to the credit bureaus, in the amount of {$8900.00} in which they received on XX/XX/XXXX, and cashed on XX/XX/XXXX In the letter and written on the check were the following terms : By cashing this check, you agree to terms of this contract : -Show paid in full. 
-Remove credit items from reports -Cease collections Currently XXXX XXXX has yet to correct their reporting according to the contract. They are still reporting a negative collection account to the credit bureaus in the following amounts : XXXX  : {$1400.00} XXXX : {$8900.00} XXXX : {$1400.00} I implore your agency to please assist me in having this unverifiable, and paid in full account, removed from reporting on my credit files. XXXX XXXX practice is highly damaging to my credit and i would be remiss not to request your assistance with this issue. 

All return receipts, letters sent, and evidence available upon request if not included in this complaint. 

Thank you for your time and assistance in this extremely important issue : My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX CC : CFPB CC : XXXX CC : Attorney Generals office : XXXX XXXX Office of the Attorney General XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXX XXXX Office of Attorney General State of Florida The XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-07-08
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. (FL)

I have XXXX accounts reporting on my credit reports with inaccurate information regarding date of last activity and payment history. Accounts are as follow : XXXX  XXXX XXXX ( XXXX seperate accounts ) XXXXXXXX XXXX XXXX