davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (NE)

XX/XX/2020 I scanned a signed document to Ann Taylor XXXX - Comenity Bank ( I was instructed by them to type the letter, sign, and attach via the message center ) regarding my financial struggles and requesting a settlement or a different payment structure. 

XX/XX/2020 I received a reply stating the correct department would be responding via the secure message center in a timely manner with a response. 

XX/XX/2020 I replied asking for an update and they apologized for the inconveniences and said their customer services works hard, no where referencing my concern I clearly stated in my message nor giving me a reply to my original message from XX/XX/2020. 

They have now reported a late payment on my credit all while I have been waiting for a response from them. I understand I have my responsibilities but with all the difficult times due to covid and having a XXXX on the way I need to work with them on my bill. I feel the way I approached this situation was for the best interest of both parties but I am unable to get in touch with them nor do they take my request seriously. I am not sure what else to do at this point. And my past due amount keeps increasing. At a loss for my next steps/options.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (UT)

Remove CHAPTER XXXX BANKRUPTCY : BANKRUPTCY XXXX. The court itself do not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX New York and Illinois offices are reporting false fraudulent and wrong info on my XXXX Equifax and who knows who elses credit business. I have been forced to repeatedly and continuously submit complaints here and at appropriate state agencies for the instate illegal conduct. I am without hope and traumatized that this co is allowed to continuously and repeatedly and unfairly report and publish illegally and without stopping. The credit bureaus have a low standard of review to affirm a debt but they do not get to ignore my evidence and side with the co repeatedly and without stopping. This is illegal and wrong. Laws are being broken and ignored at the credit bureaus to affirm this debt and all info for no other reason than to hurt me and cause me to look bad. It is wrong. The exact date of this contract is XX/XX/XXXX. The exact date it became void and unenforceable is XX/XX/XXXX.
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have reviewed a copy of my credit report and seen there were some inaccurate and fraudulent accounts that are not mines and will need them to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : CAPITAL ONE # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, CHAPTER XXXX BANKRUPTCY- DISCHARGED REFERENCE # XXXX, CHAPTER XXXX BANKRUPTCY -DISMISSED REFERENCE # XXXX. 
I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX. XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-04-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Aspen Properties Group, LLC (MA)

Aspen Properties Group has filed preliminary paperwork to foreclose on my home. Aspen claim they purchased a debt that I had incurred. I have asked them to validate the debt but to no avail. Aspen has gone as far as to do a corporate assignment of mortgage on my property.
Consumer complaint received 2021-04-11
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: EQUIFAX, INC. (GA)

I reached out to this company to correct the wrong information on my report, as they are completely invalid. I feel I have been marginalized by this situation because I have not received a response in connection to my complaint. I felt forced to file a complaint against them, as my initial attempt to reach out to these companies occurred in XXXX of 2021. The invalid information that is being reported is negatively impacting my reputation and hurt my credit score and report. I sent in my request over 90 days ago and have been ignored and not responded to till this date. I have self-learnt and now now that Section 611 ( a ) requires that these items be removed if there is a failure to investigate and respond within 30 days. Again please be aware that it has been over 90 days and I have not received a response from these companies. I request that these items be deleted or I will seek and utilize litigation.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I just got my report and I think it's wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything about my credit report is correct. 
Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance XXXX XXXX XXXX XXXX Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account NumberXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX  - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Consumer complaint received 2020-06-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

Approximately XX/XX/2020 I applied the for the covid-19 relief freeze package through XXXX XXXX XXXX XXXX who hold my car loan. I sent in correct documents one time ( date?? ) unknown. I was told they didn't receive my paperwork. I had to repeat the process. Finally the second time they received and accepted This was an over the phone conversation with the teller. I was told a they received and it would be accepted for the covid-19 freeze. On XX/XX/2020 I get an credit alert from my monitoring system saying my score has dropped XXXX points due to a late payment. Immediately track the issue down and try to rectify the situation at hand. I was able to speak to a representative at XXXX XXXX XXXX XXXX, she tells me they cancelled my freeze due to me not paying {$170.00} dollars of interest. I asked why they told me i was approved and didn't tell me there were more steps to the freeze. She proceeds to tell me they tried contacting me on the phone which was the wrong number, I asked why not email, she tells me they are a smaller bank, and not like the big banks and the do things differently. ( Obviously ). I immediately make a payment to XXXX XXXX XXXX XXXX  for the next to months and ask them to rectify the situation, due to my impeccable credit history with not one late over 15 years. I was informed id have to go through my credit bureaus to rectify the situation and it will get dealt with that way. I
Consumer complaint received 2019-03-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: WELLS FARGO & COMPANY (DC)

On XX/XX/XXXX, I spoke to a member of the Wells Fargo XXXX XXXX XXXX team about deferment options and the possibility of adjusting my due date so that I do not continuously incur late fees. This conversation was a pro-active effort to explore my options before I had to move. I was told verbally that neither deferment on my loans due to a financial hardship ( I was moving at the time ) nor adjustments to my due date were an option. 

I have continuously called and made partial payments during this time : XXXX {$310.00} XXXX {$560.00} XXXX {$150.00} XXXX {$560.00} XXXX {$660.00} XXXX {$400.00} XXXX {$400.00} I now owe {$550.00} in late fees even though I communicated that the due date was after my pay day. I have a balance of {$2000.00} for my student loan payment and I have not received written notification that deferment and/or a revised repayment plan is not an option. I communicated to the Wells Fargo XXXX XXXX XXXX team I was still trying to make a good-faith effort to make payments and wanted to see if what my options were. I was not informed of any additional options and the snowball effect of late fees and a two-month hardship caused me to fall behind. 

Lastly, I was assigned a researcher named XXXX XXXX on XX/XX/XXXX ( it has been over XXXX business days ) and have not been contacted by him to follow up with my inquiries.
Consumer complaint received 2020-09-19
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. (MI)

XXXX XXXX {$370.00} open balance, XX/XX/2019, XXXX XXXX. 

I have no idea who either of these companies are.
Consumer complaint received 2019-03-09
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)

On XX/XX/XXXX I mailed a copy of my Drivers License, Social Security Card and electric bill to Experian for my free annual credit report I never received it. On XX/XX/XXXX I called Experian and spoke to XXXX in special credit services and after three security questions She said I failed and denied to send my report, she said that I would have to wait five days until the information I sent in was processed. On XX/XX/XXXX I called and spoke to XXXX in special credit services and was told that Experian don't have my personal information at all. XXXX told me to upload the information on there sight when I did they want to charge me {$12.00} for my free annual report. Enclosed I am sending you the information I sent to Experian on XX/XX/XXXX and a copy of my XXXX credit report.
Consumer complaint received 2022-11-17
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)

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CO)

Someone opened a credit card with Synchrony Bank in the amount if {$820.00} that is reflecting negatively on my credit report. The person that opened this account is the mother of my sons who I am no longer in a relationship with.
Consumer complaint received 2020-06-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian and XXXX are reporting ( i ) bankruptcy in my credit report and ( ii ) wrong balances of my car loans from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX consistently. They are engaged in " willful FCRA '' violations. I have hopelessly spent over XXXX XXXX in attempting to correct this issue and including many other credit errors, since XX/XX/2019 2019
Consumer complaint received 2021-04-09
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 — Problem with personal statement of dispute
Company: STERLING JEWELERS, INC. (TN)

I requested an original Contract from XXXXXXXX XXXX XXXXXXXX in which the young lady via phone could not give me in writing for this account to be closed and removed off my credit report. I disputed account in which they denied so she talked me into paying account in full and the young lady said it would be removed or may not removed with a nasty attitude. Please help me disclose this matter.
Consumer complaint received 2021-04-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NJ)

Issue : Receiver has not received the fund transferred via Western Union. The company is not ready to issue a refund neither provide a satisfactory traceback. 

Reference : Tracking number ( XXXX ) : XXXX XXXX XXXX Details : On XX/XX/2021, I transferred USD XXXX, equivalent to XXXX  XXXX to my friend in XXXX through Western Union Money transfer service. 

According to the receipt attached, they had promised to transfer the amount to the receiver on the same day itself. But the receiver has not received it even on this day of filing this complaint ( XX/XX/2021 ) Transaction Information : Western Union provided two options to debit the fund to the receiver 's account. 
Option 1 : Using standard Bank Account details and Routing number Option 2 : Using a code called UPI code When I tried to enter the bank details directly from the receiver 's bank pass book, the form threw an error and didn't accept the bank account number. 

Therefore, I tried choosing the second option - UPI code - which the registration form accepted. Then I proceeded to make the payment of USDXXXX and the same amount got debited from my local XXXX account. 

But the receiver has NOT received the money yet. I filed several complaints with Western Union and they have not given me a proper answer. 

Actions taken : I registered a complaint and was given a case file, but they didn't give me a proper resolution to my complaint. 

They repeatedly claimed that the funds have been transferred to the receiver. 

When I raised the issue several times, Western Union offered to trace back the amount, but and sent me a trace report which is attached. The report DOES NOT provide details of the receiver or the receiver 's bank account. It simply gives an IFSC code, equivalent to a routing number of a different bank than the receiver 's bank. 

I pointed out that the destination bank is incorrect and the receiver 's details are not available, I requested to provide a complete trace back on who received the fund, their account details, date of credit and contact. 

Further, the UPI code of the receiver is hashed out in the receipt and in the traceback report provided by Western Union. This has to be revealed completely to cross check the code with the receiver 's code which I registered with Western Union - XXXX @ XXXX But Western Union refused to assist me any further, neither they wouldn't refund the amount even though it was sent to a different bank incorrectly by Western Union.
Consumer complaint received 2020-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2017-12-14
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)

I previously submitted a complaint through CFPB and they didn't fully deleted all inquiries, even though they weren't made by me.XXXX XXXX XX/XX/XXXXXXXX XXXX "     "XXXX 1XX/XX/XXXXXXXX XXXX XX/XX/XXXX7XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXI want those removed they weren't either fraud OR due to transunion not protecting my privacy. INVESTIGATE with creditors OR delete right away.
Consumer complaint received 2020-12-02
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. (NY)

DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH XXXX  AND TRANSUNION. XXXX  WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING XXXX DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.
Consumer complaint received 2017-12-14
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: JPMORGAN CHASE & CO. (TX)

Offices of XXXX and XXXX XXXX XXXX XXXX ( no street address ) XXXX, CA XXXX ( XXXX ) XXXX Called me XXXX/XXXX/XXXX @ XXXX XXXX from ( XXXX ) XXXX ( XXXX XXXX TX XXXX ) robocall stating a package was undeliverable and to call back at a XXXX area code number. I called the XXXX and was connected with XXXX. Original creditor was XXXX XXXX. Amount charged off was {$2700.00} with {$43000.00} interest - a total of {$7000.00} on XXXX/XXXX/XXXX. They are filing a XXXX, as current creditor, for the full amount if I do n't pay {$2100.00} by XXXX/XXXX/XXXX. The originally mentioned they have a judgement against me from court. I was never notified. 
I had mentioned XXXX XXXX hadcollected {$1000.00} from me in XXXX XXXX to pay off my Providian account. I was told it was n't the same account.