davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I attempted to open a bank account, and was blocked. After calling the financial institution they advised me that Equifax placed a security block on my credit file, and therefore I could not open an account. I attempted to get the block removed with Equifax, and also attempted to get a copy of my credit report, but Equifax will not cooperate. Initially I tried to do this online, and was presented with some really bizarre challenge questions such as what is my monthly mortgage payment for various addresses. I answered no to all of the questions, and was told I didn't make the grade. 

I then telephoned Equifax who pretended to use a Driver 's License verification tool that required me to take pictures of my driver 's license, but the back side wouldn't load due to Equifax 's faulty software, and web serveri. 

I then wrote Equifax, requested the fraud alert be removed, and also requested Equifax provide me a copy of my credit report since I was denied credit, but never heard from Equifax since. There is no reason there should be a fraud alert on my account.
Consumer complaint received 2021-10-06
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. (FL)

XXXX XXXX XXXX XXXX reporting my Loan as OPEN with balance of XXXX while I PAID it off back in 2020 and took a NEW finance with XXXX XXXX 
I called XXXX and asked them to fix it they claimed the account is PAID OFF and they REPORTED it to the XXXX XXXX while I still see it as open with XXXX balance. It damages my FICO 2 score for mortgage heavily!
Consumer complaint received 2022-05-01
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. (GA)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states, 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 60 days ; these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have 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 2021-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (TX)

I bought a dog from XXXX in XXXX Texas, it was a promotional and it was 12 months 0 % interest and this was right before Covid 19 hit. So right before it happened I lost my job so I couldn't get unemployment. During this time I was able to find a job at XXXX and make some payments then when I was struggling to put food on the table I find out the banker that petland is XXXX XXXX XXXX and they had a Covid relief program where you could apply and it was 3 months no payments and no interest well I had to apply twice. They added late fees as well as once they second time was up they slapped me with huge charges. My dog went from XXXX to XXXX. So once this happened I went about my day until I could just pay it off. Well now that it's paid off guess what they do. They added a late fee for this month though I don't have a balance. This has docked my credit almost 200+ points. This needs to be looked into deeper.
Consumer complaint received 2021-07-26
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. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been well over 30 days and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will seek litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (AZ)

To whom it may concern, I am reaching out for help as i was a victim or identity theft.. I have a family of 4 and have been attempting to get erroneous account removed off of my XXXX and XXXX credit report for years now. Please see the below listed experiences that someone has fraudulently open with my information listed in no specific order. 

XXXX : XXXX XXXX credit card charge off of {$800.00} account opened fraudulently XX/XX/XXXX XXXX XXXX is reporting an account that was listed in a XXXX bankruptcy and must be removed from all reporting per the FCRA ss 609 laws. 

XXXX XXXX XXXX was an account that was also listed in a bankruptcy in XXXX and again must be removed from all reporting per the FCRA ss 609 laws. 

XXXX : XXXX XXXX XXXX XXXX is reporting fraudulent auto title loans bills listed as purchased debt of {$690.00} for an account that was opened incorrectly as per the identity theft case listed for XXXX  and must be removed from all reporting per the FCRA ss 609 laws XXXX XXXXXXXX XXXX is reporting fraudulent medical bills listed as purchased debt of {$500.00} for an account where i have never even visited as per the identity theft case listed for XXXX  and must be removed from all reporting per the FCRA ss 609 laws XXXX  and XXXX  has both listed bankruptcy 's listed on my report that have been discharged since XX/XX/XXXX. They are also reporting a duplicate bankruptcy as well which dated XX/XX/XXXX which is impossible granted the 7 year mandatory resolution time. The bankruptcy was never even filed and needs to be removed per the FCRA ss 609 laws. 

As part of the identity theft during the same time period there were countless hard inquiries made into the XXXX  and XXXX platform for people attempting to obtain credit cards per the FCRA ss 609 these are fraudulent inquiries and unverifiable and must be removed immediately.

We have spent countless hours and money attempting to work with these reporting companies only to get no help. 

Please help resolve the matter at your earliest conveinence.
Consumer complaint received 2022-10-12
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. (UT)

In XX/XX/2022, I got notified by my XXXX XXXX card that my credit score had dropped significantly due to a late payment. 
After further investigation, I found that my XXXX card was the issue. I called the number on the back of my card and it routed me to XXXX ( with whom I had never had any interaction ). XXXX had trouble finding my account because my XXXX card number had changed - without my knowledge. 
A representative from XXXX told me that they had mailed me several notices that they were now the administrator of XXXX credit cards. 
I explained to them that I had elected to have all of my XXXX  correspondence be electronic as I travel XXXX XXXX of the time for work ( XXXX  also strongly encourages their customers to sign up for electronic correspondence ). I had also recently moved. XXXX stated that they only notified card holders via regular mail. 
When I explained that without receiving any electronic correspondence and having my payments set up to automatically come from my bank account, I had NO clue that the administration of my XXXX  account had changed and I needed to make payments to them. The representative stated that there was nothing they could do to fix the error of reporting a late payment to XXXX, even though I had no knowledge of the change. 
If XXXX  wants all of their customers to sign up to receive all of the correspondence electronically and then fail to electronically notify me that I need to make payments to another company, I should not be penalized. 
I asked that the issue be escalated, and spoke with a supervisor who told me they can't correct the credit reporting error. 
I paid the account in full, and closed the account. 
I am formally requesting that the late payment report from XXXX to all 3 credit agencies be removed immediately.
Consumer complaint received 2021-08-23
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: SYNCHRONY FINANCIAL (NY)

I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

1. Identity Theft SYNCB/PAYPAL Date of inquiry : XX/XX/2019 This is not mine.
Consumer complaint received 2021-07-16
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Andrews & Cox, P.C. (MS)

XXXX XXXX XXXX being represented by Bleecker, Brodey and Andrews provided a written settlement agreement for debt owed. I signed the agreement and paid the settlement amount. However, Bleeker, Brodey, and Andrews began garnishing my wages, although we made a settlement agreement of payment in full. An agent of the company spoke with my attorney and misrepresented himself as an attorney. He stated that I would be reimbursed for the wage garnishments. However, I have not received any type of reimbursement, and my wages are continuing to be garnished. Bleecker, Brodey and Andrews will not speak with me or my attorney about this matter and continue to garnish my wages even though we had a settlement agreement.
Consumer complaint received 2021-10-06
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)

It has been reported several times that my auton loan at XXXX XXXX XXXX XXXX is 30 days past due. I have called several times and spoken with the loan mange XXXX XXXX who has informed me that she can not correct late payments corrects have to be made with the credit bureau although my due date on changed from the XXXX to the XXXX without my knowledge. I have attempted to correct with all 3 credit bureaus and no changes are ever made. Today XX/XX/XXXX XXXX XXXX has sent email stating that a change was made to my due date. I am disputing all late payments from XX/XX/XXXX up to current. and have attached email to show my due date was changed without my knowledge.
Consumer complaint received 2021-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

On XXXX XXXX I got an email, notifying me that PayPal are initiating closure of my PayPal account ( Ref ID - XXXX ) and blocking my $ XXXX balance, because I am in violation of PayPal 's Acceptable Use Policy. I sell Instagram Accounts and in XX/XX/2020 I've got another limitation by PayPal, and they asked me to explain my business and where the money are coming from ( Ref ID - XXXX ). In that case I explained everything about my business and where the money are coming from and PayPal had been restored my account, without telling me that I am in violation of PayPal 's Acceptable Use Policy or that I have to stop my business. Since then, all I did was to continue my business and buy or sell accounts, like I did before. I didn't change anything in the way I work and I didn't change the source of the income. Whether I bought or I sold a virtual product ( XXXX accounts in my case ), I did it using this PayPal account, and all my transactions show that I am not selling stolen virtual goods. At first, I thought this was a mistake, so I emailed XXXX, requesting a second review, and they redirected me to PayPal 's Executive Escaladation, but they told me it wasn't a mistake and I was really violating PayPal 's Acceptable Use Policy, but they didn't tell me what exacly was against PayPal 's policy or which products or services are in violation with the policy. They told me that they will do regular reviews of the account and they will tell me when I can withdraw the money and how much I can withdraw. My problem is that most of the money in the balance ( up to 75 % ) are coming from transactions that are older than 6 months, so there is no way of chargebacks or refunds. That being said, the reason why I am writing this is because I want to understand what I did wrong and how I was in violation with PayPal 's Acceptable Use Policy. I expect a clear explanation, giving me the number of the transaction that violated PayPal 's Acceptable Use Policy and more importantly, why it did. Besides, I request another review of my account in which PayPal to calculate the damages ( if there's any ) and let me withdraw at least a part of my money, since most of them are coming from transactions older than 6 months. I suffered huge losses for my business and the only reason I've got was " Some of your products or services are violation of PayPal 's Acceptable Use Policy '' and this is not enough for me to block my XXXX $ balance and ruin my business. I understand that under their User Agreement they can hold my money up to 6 months, but I want to understand the reason why they are doing it, especially when they verified my activity back in XXXX and didn't find anything suspect.
Consumer complaint received 2021-07-15
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: Tower Loan of Mississippi, Inc. (AL)

There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Hello Dear CFPB I am small business owner and have flawless credit both personal experian XXXX XXXX XXXX and business XXXX and XXXX XXXX business. 

I was researching to apply business credit card and come up to company name XXXX and pre qualified, I applied and approved {$15.00} Upon receiving my card i activated and was tried to use in gas station but transaction was declined, after that i called and spoke with costumer service rep and was told that it was just verification, Latter i was using it for business use only. 

To my surprise after couple days i have tried to use card and it was declined again and when i called i was told account has been closed, it was very surprising for me because as i mentioned i have superior credit income and business profile. 

couple day ago i received letter that was sent from fraud research department and they stating i am unnecessary risk for bank which is shocking because i am top 1 % of all businesses in market that everything is in great shape. Please assist me to reopen my account because as i said i have worked hard to keep my business and my personal account in great shape and to get this type of result its just unacceptable. In my opinion this is pure discrimination and have nothing to do with credit or business exposure. 

I have attached their letter that they sent me. 


Thank you
Consumer complaint received 2022-12-08
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. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I filed my second CFPB complaint # XXXX on XXXX21. This complaint is to update that filing. 
The company First National Bank of Omaha had responded to my first CFPB complaint that I was previoulsy informed re closing my account. However they did not begin to explain to me that even if I paid all my past due payments caused by the economic problems created by the Covid pandemic and become current with my account, that my credit card account would still remain closed. 
I am presently current on my account payments. 
Prior to the Covid pamdemic I had a perfect payment history. 
FNBO also detailed that I had the option to reapply for another card to create an active credit card account. No such option exists in reality! 
I went online today XXXX21 to www.fnbomaha.com and applied for a new card. I was told that I was not eligible for a card and a letter will be sent to me in ten days detailing why. 

If this new card is not an option for me, it means that have to continue to make my monthly payment without the rights and priviledges of owning this credit card. 

This is grossly unfair and prejudicial to me.
Consumer complaint received 2021-07-15
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. (IL)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

1. This account resulted due to identity theft. 
XXXX  XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2021-07-15
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. (NY)

A two days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2021-07-15
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Lewis, McDonnell & Associates (TN)

Hello, My name is XXXX XXXX. I now live in Tennessee and While off of work on XXXX Lewis McDonnell Associates called my place of employment. They also called on XXXX and threated to come up to my job. I had no knowledge of this case nor have I ever received anything from them. I spoke to someone named XXXX ( who refused to give last name ) was completely rude on XXXX. After calling my place of employment for a Second time telling me he doesn't care, this isn't customer service. I asked him to stop the calls to my place of employment, and let him know about Debt Collections Act doesn't exist. After I told him that they are violating this Act. He said that the calls wouldn't stop and that I would be getting served at my place of employment. and that no such act existed XXXX was yelling and completely and utterly unprofessional.
Consumer complaint received 2021-07-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, I have a car loan with Capital one and have been a dutiful customer, already paying XXXX percent of the loan within one year. I have another account a credit card with Capital one and received a covid extension a few days ago, so I do not have to make a payment.. based on the same information, I asked today for a loan extension but Capital one denied it for my auto payment. They claim it was generated by a computer and they have no influence over the outcome. 

Capital one arbitrarily has established a moratorium program, where consumers can apparently be denied on the exact same basis you were recently approved for. Capital One needs to be fair and consistent. Also I would hope that Capital One would be helpful to it's customers during a pandemic which hundreds of thousands of people have lost their lives and the economy has been devastated.