davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-11
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: Bread Financial Holdings, Inc. (TX)

There is an inquiry on my XXXX report that Comenity Bank placed, when they claimed they could not access my report. So I contacted Comenity and they sent me a letter stating that they would remove the inquiry. 

I have sent this to XXXX  several times by electronic mail and us mail. I have called them 10 times on this matter and have been given 10 reference numbers, enclosed : REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX Every time I check my report the inquiry is still there. The reporting company claims they have to dispute it. I asked why it takes longer than 30 days when a dispute should not take longer than 30 days to resolve or the item in question be deleted, as per the FCRA? They will not answer that. 

I have asked Comenity several times why is the inquiry still there and they can not answer that either.
Consumer complaint received 2019-08-11
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. (MI)

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. 

I have contacted the bankruptcy court that the respective credit bureau is advising " verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE,  and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME. I have sent the bureau a letter, certified mail with a copy of this letter, as well as a copy of my postmarked envelope as proof of receipt of this document. The certified tags are ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) was received by their office on XX/XX/2019. 
They have yet to delete this from my credit reporting file.
Consumer complaint received 2019-08-11
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. (FL)

I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.
Consumer complaint received 2019-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (PA)

to whom it may concern I was the landlord of XXXX XXXX XXXX, XXXX PA XXXX XXXX. The tenant failed her agreed obligated duty to pay for trash collection fees for a considerable time without acknowledging us, resulting in a 300 some Dolar accumulated debt to XXXX XXXX. 
We have since removed her from the property and paid XXXX XXXX {$350.00} on XX/XX/2019 over the phone with a spoken acknowledgment that the debt is cleared. 
But after XX/XX/XXXX, we still receive a letter every two months from Caine & Weiner with a debt collection letter with interest own addition to the debt. I've contacted both Cain and Weiner and XXXX XXXX regarding this issue 3 times on three different occasions and ended with no solution nor answers I need. I'm very concern for my own credit rating and the future impact this may have. 
The property is sold on XX/XX/2019 and I no longer have the property. But I receive the same latter from Caine & Weiner today XX/XX/XXXX.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OR)

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX but it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-04-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Here is the certified mail number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion has failed to complete an investigation that I have sent documented Letters to their office of my intent to sue if they did not remove you in accurate accounts pursuant of the FCRA.Im entitled to 100 % accurate credit report and Trans Union has failed to respond to certified mail that was sent to them.
Consumer complaint received 2019-08-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Account number XXXX Fed Loan servicing. I was listed as a cosigner for the loan I was a victim of identity fraud, XXXX XXXX was Ex classmate in XXXX in college, I have not seen her or talked to her in 22years, I do not know where she is living now, The last time I had contact with her she was in XXXX XXXX, How she got my information to obtain the loan I was not aware of, I did no realized what was going on until I received a letter XX/XX/XXXX from Fed loan, I call Fed Loan to send me a fraud package to fill to proof to them that i did not cosign the loan, they refused, they made many promises for weeks and did not send the package. I filled a police report, contacted FTC and followed the recovery plan for identity fraud. I send documents to Fed loan servicing, XXXX, XXXX and XXXX to correct my credit record it were done by the credit companies. 
I call consumer advocasy the branch of FedLoan to made a complaints of the company failure to send fraud package, I was promised that the loan will be removed from my name. 
I continues to received daily even twice daily phone calls, every other day letters from Fed Loan claiming that they want me to repay the loan I made. I explained to them that my name should be removed from the loan, I did not cosign. I requested to see the document that they have about the cosigner up till now they refused to produce it.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bliksum, LLC (CA)

I took a loan out with a company for {$2500.00} in XX/XX/2016. I ended up on XXXX, XX/XX/2016 and couldnt pay any more. That company sold my loan to another company called XXXX XXXX XXXX, XXXX. I have tried to call this company on different occasions but just get a recording. I have paid and settled this loan with yet another company that XXXX XXXX sold my loan to for the amount of {$2600.00} in XX/XX/XXXX. Both of these two previous companies are on my credit Report and I have tried to disput this with experience credit reporting agencies and the original creditor and I keep getting the same results. They refuse to acknowledge that the loan has been paid and Report it natively.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America prepaid card for my unemployment was used in XXXX and at the end of XXXX, totaling amount {$5900.00}. I contacted BoA by the end of XXXX when I saw the transactions. Since the transactions were made to different companies, there were quite a bit of disputed claims. They informed me that it takes 90 days for investigation to complete but theyll give me temporary funds for the amount. The 90 days deadline was XX/XX/XXXX and the representative informed me that some of the claims are still open and some have been denied. I have gotten close to {$3400.00} back from the claims but the rest is still pending. I have requested supportive documents for the claims that were denied and I only received for one denied claim which stated that the claim was a duplicate. Since then, i have not had any communication from BoA.
Consumer complaint received 2020-09-04
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. (CA)

In XX/XX/2020 I file disputes against all 3 credit bureaus. I know that they are supposed to reply within 30 days it has been over 30 days.I understand that company are working from home and are understaff but the law is the law and should still be done within 30 days.
Consumer complaint received 2019-08-11
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. (TX)

XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX have failed to do their job on the data breach FTC violation that caused my credit report harm XXXX and Experian has done a great job looking. into the FTC violation but will be added to the security so they can check on updates
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AZ)

Hello I am writing to express my concern regarding an ongoing issue with the orthodontic services provided for my son by the XXXX XXXX in XXXX XXXX XXXX, and the subsequent financial dispute with Synchrony Bank. 

On XX/XX/2023, I opened a Credit Care account with Synchrony Bank to finance the orthodontic services provided by the XXXX XXXX. However, on XX/XX/2023, I informed the XXXX XXXX of our impending relocation from XXXX  to XXXX. At that time, I requested assistance in finding a new orthodontic provider in the XXXX, XXXX area and discussed the possibility of receiving some form of monetary compensation for the services yet to be rendered by the new provider. 

Unfortunately, my requests were met with resistance. The XXXX XXXX neither provided any referrals to orthodontists in XXXX  nor engaged in any discussions regarding potential compensation. Feeling left with no other option, I approached Synchrony Bank in XX/XX/2023 to request a refund of {$1500.00}. 

Despite my efforts, my dispute has been refused three times by Synchrony Bank, each time with the justification that the merchant ( XXXX XXXX ) is working directly with me. I have repeatedly informed Synchrony Bank that the XXXX XXXX has been uncooperative and dismissive of my calls, viewing them as a nuisance rather than a legitimate customer concern. 

Caught in this predicament, I find it unjust to be held financially responsible for services that were not rendered. In the interim, I have had to seek out and secure continued orthodontic care for my son independently. 

Enclosed, please find the record of my communication with Synchrony Bank, along with the breakdown of my contact with the XXXX XXXX provided by the bank. 

I kindly request your assistance in resolving this matter and look forward to your prompt response.
Consumer complaint received 2022-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (PA)

ITs incredible simple, The bank Suntrust changed to truist. They refuse to let you pay online without a checking account, I have several checking accounts and am not opening another one. So I had a payment book, they sent a 1 year payment book and at the end of it with every payment being made on time, I have been waiting for 2 months since my last payment was made and they DO NOT have any customer service reps available to help me. Phone support has had me on hold for over 4 hours at 2 consecutive intervals. They changed phone menu so I can not pay over the phone. I've never had a bank send me a 1 year payment book for a 5 year loan, that already makes no sense. Then I've never had a bank just outright never send a payment book and have the audacity to charge me late fees. Its like they are using a tactic to repo my vehicle so they can sell it at inflated current prices.
Consumer complaint received 2022-04-02
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. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2019-08-11
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. (VA)

Over the last year, I have since Equifax and XXXX multiple letters and documentation asking their companies to provide the documents that was used to verify the accounts I disputed. The last letter I sent was 30 days ago and they still can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete a information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible
Consumer complaint received 2019-08-11
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: EQUIFAX, INC. (GA)

For over ten years now, Equifax has denied me direct access to my credit file with the except when I am attempting to apply for credit through a third party. I.e a credit card company, etc. 

Information continuously being reported by Equifax reflecting my both my employer and phone are incorrect. 

There should be no other employer on record order than XXXX XXXX   XXXX & XXXX, XXXX. And my phone number is : XXXX. 

Equifax must lift the fraud alert on my credit file immediately. I did not request it. 

Thank you!
Consumer complaint received 2019-08-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have asked Capital One to stop the harassing calls a couple of times now, but the calls continue. I saw 4 calls on my call blocker between XXXX and XXXX just this evening and 3 other calls earlier today. While I do owe on an account, I can not pay it as Im on permanent Social Security XXXX. I can back this up. My husband is permanently retired and on Social Security. Our income dropped when he left work. I told Capital One to stop harassment and collections as we cant pay and to take us to court would be useless. They legally can not do garnishment on ss income and we know our rights under Fair Debt Collection Practices Act. They are violating federal law with the harassing calls. They better stop. Just leave us alone.
Consumer complaint received 2019-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have tried to call, email and log into my account with equifax well i think its equifax. 
on XX/XX/2019 and no help again. My information has still not been corrected on my report. My date of birth is still incorrect. My name has not beem corrected. Also, when I call it seems like the people are from another country so I dont give them my information. I dont know who else can help me.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was told that I can reach out to you all regarding accounts on my credit that is not mine. I even saw some student loans on there and I didnt even graduate from high school. I was apply for a job and was placed on hold because of this. I saw XXXX, US DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX. I also saw a few inquiries that I know nothing about. I am doing this on my own and I filed a compliant with the FTC. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  US SM BUS ADMIN ODA XXXX XXXX
Consumer complaint received 2019-08-10
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. (CA)

XXXX, Transunion and XXXX continues to report this unverified erroneous item on my credit report after multiple dispute attempts. The latest dispute attempt was initiated XX/XX/2019 with all three bureaus and was " verified '' to be correct. Not only is this charged off account reporting a past due balance for all the bureaus but the last active dates are different between the three bureaus. The payment history is also incorrectly reported with all three bureaus. If the information is correct it should not be so reported so inconsistently between the three bureaus.
Consumer complaint received 2019-08-10
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)

Experian, XXXX  and XXXX continues to report this unverified erroneous item on my credit report after multiple dispute attempts. The latest dispute attempt was initiated XX/XX/2019 with all three bureaus and was " verified '' to be correct. Not only is this charged off account reporting a past due balance for all the bureaus but the last active dates are different between the three bureaus. The payment history is also incorrectly reported with all three bureaus. If the information is correct it should not be so reported so inconsistently between the three bureaus.
Consumer complaint received 2019-08-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (NC)

I called the Customer Service number printed on the card and only got a recording " the service is experiencing extremely heavy call volume ; please try calling back at a later time. '' Direct Express ( USDirectExpress.com ) XXXX
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

i have faced an issue with Experian Report got fraud and hacked, there is Unautorized HArd inquiry has left on, and i trying to reach Experian to dispute these activities on my credit all this activity i didn't apply for any related with this below XXXX XXXX XXXX. XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 - XXXX XX/XX/2019 XXXX
Consumer complaint received 2019-08-10
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. (FL)

Contacted the companies listed on my credit report as hard inquires and was told that they work with several mortgage companies whereby mortgage brokers have the ability to access credit reports and do not have any documentation that I authorized the hard inquiries or to demonstrate that the inquiries was not done in error. The companies are as follows : XXXX XXXX via XXXX XXXX XXXX XXXX  Mortgage via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX.