davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1861 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-02-13
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. (OH)

The Student loan company called XXXX is reporting an amount and late payments on an account that is closed and has been charged off. They are reporting to different amounts I only had loans with XXXX XXXX and they loans were federal loans and not private loans the first amount is {$71000.00} and the second amount is {$79000.00}. Also they are reporting to the CB every month as late and it's effecting my credit score in a huge way, which can effect my employment. I've already placed an dispute with the CB. As well. I would like to have this account deleted off my account because I do not owe this amount of money with them.Also the late payments removed.
Consumer complaint received 2022-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (FL)

Bread Financial ( Comenity ) does not properly disclose that withdrawals are limited to {$5000.00}. Accordingly, for example, a consumer may deposit {$200000.00} and then not have access to the funds except in {$5000.00} increments. I believe this bank is fraudulently inducing consumers and in violation of fedeeral law.
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I lost my phone and wallet at a bar came back to get it the next day. A week later when going to finalize a big purchase the money was not in my account. I then checked my statement and saw a purchase of XXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NJ)

identity theft on my credit report 15 U.S. Code 1681 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NJ)

This complaint best seen as a follow-up to complaint with code XXXX. 

A brief overview of the events is as follows : i. A set of transactions I did not recognise were posted to the account in late XX/XX/XXXX. 

ii. My multiple attempts to contact Discover to address the matter were summarily ignored. I will add also that this was deliberate, as stated by Discover in their final response to complaint XXXX. 

iii. In that same letter, dated XX/XX/XXXX, Discover claimed a fraud investigation was ongoing. 

iv. I have not had any formal communication from Discover since this letter. 

Thus, as of today 92 days have passed since the formal acknowledgement of a fraud investigation, with no resolution.
Consumer complaint received 2023-04-27
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. (TX)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX, I am writing to dispute the following information that appears in my XXXX consumer report because the negative items that are listed have been updated due to the CFPB Breach. This is in violation of code 1681 i. 

Dispute XXXX : LATE PAYMENTS Account Number XXXX : XXXX XXXX XXXX Type of disputed information : XXXX XXXX Dates associated with the late payment items being disputed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Explanation of item being disputed : The status of my account is not correct. The report shows that I am delinquent, but I have made all my payments on time. 

Please update my consumer credit report to reflect the changes, and mail me an updated copy reflecting the deleted late payments and updated credit score. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (NJ)

I have a credit on my account for {$200.00} and because I have a {$71.00} dispute company refuse to send me my money even the balance of {$120.00} and keep the {$71.00} while the dispute is still going but now they don't want to do that either. They're keeping my hard money they have as a refund in my account and holding it hostage until the {$70.00} dispute resolves which is pending meaning I am winning it and they are just waiting for it to credit through. I have called three times yesterday on the XXXX of XXXX and again today on the XXXX and yesterday I was told after going through several Representatives that they can in fact send me the {$120.00} and then my call was dropped as I was driving in my car. So I called today again and they are back to square one refusing to send me my money.
Consumer complaint received 2022-04-30
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: CL Holdings LLC (FL)

I have tried rebuilding my credit so I pulled a credit report for all 3 major credit bureaus and there is a credit card from XXXX XXXX XXXX that keeps showing up from a credit card company called XXXX XXXX. I have never ever applied for this card, received a card like this or opened up this account. I have disputed this account on all credit bureaus. They sent it to a collections agency and I explained this to them also and since then they have now changed the status to a charge off and now its reporting that I am currently delinquent. Noone will help me get this removed and its ruining my credit to the point where I cant rebuild and I am a spouse of a XXXX XXXX service member in the military. The collections company reporting this information is called Jefferson Capital that this account was sold to collect this debt in the amount of $ XXXX I called Jefferson Capital they tried to bribe into paying this debt and I refuse to pay a debt that is not mine. I believe I was a victim of identity theft because I did not open this account and I keep on disputing and every time I do they say this information is correct and it isn't. XXXX XXXX is the original creditor. I need help please getting this resolved.
Consumer complaint received 2022-04-30
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. (KY)

I am writing to dispute the following information that was supplied. These items are inaccurate. In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX via 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 have 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 an account without my written instructions.
Consumer complaint received 2023-03-21
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Consumer complaint received 2021-06-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Please reinvestigate inaccurate items posted on my report. Ive been trying to get some written information showing where I did so from all companies I have not received it. A computer is not acceptable I need the proof!. Please reinvestigate and remove this nonsense from my report as it is hindering me from better myself in life
Consumer complaint received 2021-06-09
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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NY)

AMEX XXXX Date of last active XXXX There are many errors within this listing. Please check the High Credit, Date of Last Activity, Payment History, Credit Limit and remove immediately or I will pursue further actions. 
AMEX XXXX -Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 
AMEX XXXX-You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AL)

This started with the second stimulus check. I received a text message stating that the bank had given me a XXXX dollars deposit due to the fact my account was overdrawn and the bank had to show I received the whole check. I was never told it would be any different if you have money been deposit. but a month later they take the credit back with a {$35.00} overdraft fee. In the last check deposited I had made a deposit of {$200.00} They put in credit and then made credit {$250.00} Now they are taking back the XXXX plus the XXXX free credit was given XX/XX/XXXX. It will be deducted on XX/XX/XXXX. I have a second account that would cover any overdrafts. I do not understand why they should care about me getting a full check It was my understanding the check was to help. But this way I cause more problems. This just makes me short on paying my bills This month if my situation was different. I would think This would be told to the public before the checks are issued. Wells Fargo Bank is my bank. I have not heard of any other bank doing this. I can explain better on the phone.
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SANTANDER BANCORP (NH)

I have had a credit card with Banco Santander Puerto Rico for several years. I pay my balance off every month on time, so my credit history with the bank is excellent. Even though I was a resident of PR in XX/XX/XXXX, due to a work assignment I traveled to New Jersey in XX/XX/XXXX for several weeks. Since the due date on my credit card was XX/XX/XXXX, I mailed my payment on XX/XX/XXXX from New Jersey, just like I had done several times in the past. Under normal circumstances, 13 days was plenty of time for the check to arrive and be processed before the due date. However, hurricane Maria struck the island of PR on XX/XX/XXXX, which among other things, caused the US Postal Service to stop operations and delay all mail activity to and from the island. For this reason, my check # XXXX in the amount of {$2500.00} ( credit card balance due on XX/XX/XXXX ) did not arrive on time at the bank. This check was reflected on my account on XX/XX/XXXX, 14 days after the due date, and 27 days after I mailed it. To reiterate, my credit card payment arrived late at the institution not because of negligence or inability to pay, but because one of the worst natural disasters that has ever struck PR delayed the postal service. The bank charged me {$60.00} in late fees on XX/XX/XXXX. I  disputed the charges on a letter sent to the bank on XX/XX/XXXX. On XX/XX/XXXX the bank  replied stating that the charges would not be cancelled because my payment arrived late, even though it was through no fault of my own.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: AMERICAN EXPRESS COMPANY (MI)

A payment has been pending for longer than 30 days for {$210.00} from XXXX XXXX when I was told I will have the money back into my account automatically after 30 days. it had been 30 days, No one is helping me and my account is still missing my {$210.00}.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NY)

I am owed money from my charge card and have gone through the companies processes several times for the past 6 weeks. I have been getting differing responses from anyone that I speak with and was recently told by a representative that they wanted me to spend down the balance rather than my getting a refund. I just want my money and can not get resolution through their customer service process. I am waiting on another outcome but since mislead several times, I am not confident that I will get resolution.
Consumer complaint received 2022-04-30
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. (GA)

I was analyzing my credit report and noticed some hard inquiries via XXXX and TransUnion that I do not recgonize and that I do not authorize. 

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 2021-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (FL)

Please be aware that this is not a duplicate complaint. I have gathered copies of documents because I did not receive any correspondences from XXXX regarding the debt they claimed I owed. A Collection has been placed on my account for a debt that I paid through a payment arrangement fulfilled with XXXX XXXX in XX/XX/XXXX to pay off the debt on the account ending in XXXX for a XXXX XXXX credit card. I am attaching proof of those payments from my XXXX Bank account in accordance to the arrangement made with XXXX XXXX. 
XXXX contacted me in XXXX regarding the debt and I had to pay the bank for copies of my statements to prove that I paid the debt. I have attached email correspondences from their company regarding the proof sent for payments made on the debt. 
XXXX XXXX XXXX XXXX XXXX is selling this debt over and over to different collection agencies after the account has been paid. I do not owe this debt. XXXX is not taking into account the payment agreement made and satisfied with XXXX XXXX in XXXX of XXXX. The account name listed on the letter is indicated as XXXX XXXX. The account name on the statement is XXXX XXXX for the account ending in XXXX.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (UT)

SYNCB/ OLDNAVY - XXXX is reporting an inaccurate late on my credit. I was never late and have never been late on this account. I made this payment on time and they messed up and marked it as late. This is not my mistake and it needs to fixed.
Consumer complaint received 2022-04-30
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit Reporting act Capital One Auto Fiance XXXX Has violated my rights. 

15 usc 1681 Section 602 states I have the right to privacy. 

15 usc 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 usc 1666B : A creditor may not treat a payment on account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-02-03
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. (MI)

regarding payment of XX/XX/2022 mortgage payment. XXXX XXXX is reporting it late although the payment was made my first servicing company. The mortgage was sold to another servicer. So payments were made and forwarded but they first servicer returned the mortgage payment instead of forwarding. attached is proof that payment was sent... then credited back to me... 
I need the negative late payment reported removed. 
XXXX XXXX Regarding XXXX. XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

We were offered a loan modification with interest rate of 4.9 % and a final balloon payment of over {$130000.00} at maturity in XXXX, by that time I will be XXXXyrs and my husband will be XXXX yrs God willing, where do we get {$130000.00} to pay after the loan matures? we had to decline this offer because is like deferring foreclosure on our house till old age. We simply want something reasonable to help us afford the loan and prevent future foreclosure as well. The loan balance is above market value so we can not refinance, this means that we are stuck and the only other option is to make it affordable or face foreclosure. As advised, we are requesting further review based on the Real Estate Settlement Protection Act, RESPA. The requested RMA and percentage ownership information has been forwarded to the appropriate department. 
Thanks, we will greatly appreciate favorable consideration, looking forward to a favorable response.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (FL)

I have an investment account in XXXX with assets in stocks and XXXX + a small IRA balance XXXX Today, I was logged out of my account and I could not log back in using my password. I attempted to reset it, but it gave me a phone number to call instead. I tried calling them multiple times with no answer. Then, I emailed XXXX and I finally got a response there. 

Apparently, they blocked my account due to a suspicious login. While on the phone with them, they asked me to verify my identity through a QR code - that asked me to scan my ID and my face. Then they sent me a temporary password which I was able to use to log in, and they asked me to screenshot my account number ( and my debit card associated with the account ) and send it to them. 

While I was logged in to the account, I initiated a transfer of all my funds to my bank account because I did not want to lose the money. At that point, I noticed that all my stocks and crypto holdings were sold so all the money was sitting in my brokerage account. I promptly initiated the transfer to my checking account. When that happened, the phone call got disconnected and I am still unable to call them back. I'm worried that this may be some kind of SCAM. But at the same time I've called the number that they gave me from their site and I emailed their help contact provided through their sitr XXXX. 

I am still unable to access my XXXX account and they sent me an email telling me that they have blocked any transfers, password reset, or two-factor authentication. I just want my account back so I can transfer the funds out and close it down at this point.
Consumer complaint received 2022-10-30
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. (MI)

in accordance with the fair credit reporting act XXXX account 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 602 A section 2 states a consumer reporting agency Can not furnish a account without my written instruction