davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (CA)

We/ Daughter had moved out of an Apartment At XXXX XXXX in XXXX Ca XXXX We thought our daughter paid the last rent, which she did not, I XXXX XXXX went into the apt office and paid it in person had the manager initial the payment made, however they had already reported this to XXXX XXXX for collection, upon them calling me I told them that this had been paid and to contact XXXX XXXX , I sent them a copy of the Check that had been initialed fast forward almost one year doing a refi and this pops up on my credit score, i had an 800+ credit score before this and am really upset that this in on my report now There manager XXXX XXXX was very rude and I lost my temper with her, at that point she said Im going to just file this as a non payments, I called the apt complex and they said they would fix this and they could not just file a complaint because they were paid Thats it, i have cancelled check from last year, i have initialed check from last year
Consumer complaint received 2018-12-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

I have a loan with ONEMAIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and ONEMAIN with no successful resolution. XXXX, XXXX   and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2022-12-30
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. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-07-14
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. (IN)

My name Is XXXX XXXX and this is my formal notice of complaint against XXXX for furnishing information to the credit reporting agencies Experian XXXX XXXX without my permission. This has been an invasion of my right to privacy and is causing me XXXX XXXX XXXX, and inconvenience. 

I have reached out to XXXX on several occasions to resolve this issue and my requests have been ignored. 

According to the Fair Credit Reporting Act, in order to furnish the alleged XXXX XXXX  XXXX XXXX would need to be able to both VALIDATE and VERIFY my information with the original creditor. XXXX XXXX XXXX  XXXX has assured me it is not within their policies or obligation to validate any public records via correspondence they provided me with via postal mail, please see the attached exhibits. 
So how was this information validated and verified? 

Pursuant 15 U.S. Code 6821 ( a ) -Prohibition on obtaining customer information by false pretenses. 

by providing any document to a financial institution ( consumer reporting agency ), knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. 

Also by providing any document to an agent of a financial institution ( consumer reporting agency ), knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. 

XXXX claimed to have reviewed my previous requests for validation and verification in which they mailed a resolution letter with an updated copy of my XXXX file on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( See attached exhibits ) ... and is somehow still requesting that I authenticate my identity .... 

If XXXX is unable to authenticate my identity then HOW in the world were they able to provide me with resolutions to my previous requests? 

Furthermore the Gramm-Leach-Bliley Act ( GLBA ) Protects the personal and financial information of their customers against unauthorized access or use, Not disclose nonpublic personal information to nonaffiliated third parties, unless the consumer receives sufficient notice. Give customers the opportunity to opt out from having their information shared in certain situations. 

I was NEVER given the opportunity to opt out of having my information furnished by XXXX. I am aware that XXXX, Experian and XXXX XXXX may be working as co-conspirators to ruin my financial reputation & shall be held criminally liable if they do not delete these items immediately from my credit reports. I am also aware that this may result in a criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing if they can not show me how they were lawfully able to obtain and furnish this alleged bankruptcy. 

Please review the attached Exhibits that support my claims.
Consumer complaint received 2022-09-19
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-08-25
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: Bread Financial Holdings, Inc. (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Hello, American Education Services incorrectly reported XXXX of my student loans as defaulted upon, during the pandemic student loan forbearance period. No payments were due during this period, so there was no default assignment warranted. They were then reassigned to a collection agency, XXXX, who advised me of the issue and they've been stuck there since XX/XX/XXXX. I've been told that they are in the process of being assigned to good status, for the last 10 months, but nothing has happened. 

In addition, this default status is on my credit report, impacting my credit score.

I will not be able to qualify for the temporary PSLF waiver until this is rectified, and that due date of XX/XX/XXXX, is rapidly approaching. 

Appreciate your assistance. 
XXXX XXXX
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I received my consumer report consisting of 148 pages of inaccurate information that either belongs to someone else or is completely incorrect. I have made several attempts to request LexisNexis to provide a description of the procedure used to determine the accuracy of every single item / record in my report for accuracy and completeness and they have refused to comply.
Consumer complaint received 2021-02-21
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)

TransUnion is reporting on my credit report that I currently owe {$1700.00} dollars to one credit card company and two collection companies. They feel that this warrants a score of just XXXX points. Less than XXXX I allegedly owe and my score is XXXX. I'm going to give you a few examples of situations that contributed to how they determined such a low credit score on my report. 
On XX/XX/XXXX they dropped my score by 44 points because I had a collection account was closed and removed from my report. On XX/XX/XXXX they again decreased my score by 42 points this time for having a balance decrease by XXXX dollars. It didn't increase. The balance decreased and they dropped my score 42 points. On XX/XX/XXXX they dropped my score an additional 26 points when a collection account was added to my report but just ten days earlier I had a different collections account removed from my report and they only increased my credit score by 3 points. So they will drop my score 26 points if an account gets added but only increase my score by 3 points if I am able to have an account in collections removed.
Consumer complaint received 2020-08-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

My Mortgage has been transferred 4 times, the original mortgage was with XXXX. The current service provider is Select Portfolio Servicing. In checking my credit report over the last 19 months that I have been with this company, they have not posted my payments. My loan has not been late with them nor the other service companies. The credit bureaus listed payments ; however SPS says they will not report to the bureau my payments because I filed bankruptcy in 2010. However, I did not file bankruptcy against my home. I have talked to many people over the phone and all state that I have to reaffirm the home. My response is I did not file bankruptcy against my home. They instructed that I would have to get an attorney. Please advise.
Consumer complaint received 2020-12-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I was alerted by Bank of America on XX/XX/XXXX of possible fraudulent charges to my Bank of America Travel Rewards card. I quickly logged in electronically and verified that the 10 charges were fraudulent. I was out of town in North Carolina at the time and had my card in my possession. Surprisingly and startlingly, Bank of America denied my claims. I asked them to reopen the case as it was IMPOSSIBLE that the charges were mine. I just received notification that they denied my request again. It is physically impossible that I made the charges or signed for them. No one else was in possession of my credit card. I have received absolutely no proof that they have that I made the charges ... because I DID NOT MAKE THEM. I am frustrated by the customer service on this issue for a bank I have done business with for over 30 years.
Consumer complaint received 2020-08-25
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. (TN)

Experian and XXXX  should not be reporting me as a authorized user on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-04-17
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. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-25
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. (OH)

I'm not familiar with this a account XXXX XXXX # XXXX, please provide method of verification and validation of debt as I did not receive notice to dispute this information. Also, I have sent Certified mail to this company and received no response. As this company is no longer in business as well. 

Please Deleted ASAP.
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I set up a mortgage payment to be made on XX/XX/21 through my personal banking bill pay. Suntrust did not deliver the funds in a timely manor as promised thus causing me to incur a late fee and negative credit reporting.
Consumer complaint received 2021-02-21
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. (OH)

Hello my name is XXXX XXXX And for the pass six months Ive been sending letters to the credit bureaus letting them know that there is in accurate incomplete information on my credit file that they refused to delete. So now I am reaching out to the CFPB in hopes of getting some help with getting these items delete it.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-12-11
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Found fraudulent account related to my SSN but with a different Name and Address.

> Credit Cards ( 4 cards not mine ) XXXX XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX CAPITAL ONE BANK USA NA Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX XXXX XXXX  XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX XXXX/XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX > Personal Loan : ( 1 account note mine ) XXXX XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX > Other Accounts : ( 3 accounts note mine ) XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX All accounts reported to my SSN shows as CLOSE or PAID, but they are damaging my Credit Score and Reporting.

Not under my name and need to get removed by Creditors.

Regards, XXXX XXXX
Consumer complaint received 2021-10-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (DC)

Citibank continues to delay crediting the advertised/promised bonus to my account ... .supposedly, they are " researching '' the issue... .without a doubt, this is the worst bank that exists ... ..they lie, delay, and are unethical!
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2021-05-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

XX/XX/21 credit XXXX  show negative reported XX/XX/21 status XX/XX/21, balance XXXX XXXX, company wakefield and associates inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This is fraud.
Consumer complaint received 2024-09-22
Product: Debt collection — Auto debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Alliance Acceptance Corp. (CA)

Behind on my payments on my XXXX XXXX XXXX due to my job closing down and filling for XXXX  XXXX bankruptcy once I lost my job on XX/XX/XXXX I nodifyed the company about me losing my job and asked to work with me they I sent in documents claiming that I was getting a settlement from work and the proof they needed it still wasnt good enough for them they have people harrassing me and following me everyday intimidating me and waiting at my son middle school XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with there reckless driving when I have my son in the car, non stop calling me from different numbers everyday and my familys phones too I have emails and texts messages to prove my claim is true they where using profanity language over the phone with me and threating me with the Sheriffs getting involved and have me arrested they caused me to have XXXX and XXXX  where I had to go see XXXX XXXX  I am feeling threatened and feeling like my familys XXXX  in danager  and affecting my wellbeing
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/2020 I called Comenity Bank Card Services to validate that my XXXX XXXX XXXX Credit Card would work when used. I was assured that the card was fine and could be successfully used at XXXX XXXX. I completed the call and some 20 minutes later attempted to make a purchase at XXXX XXXX on the credit card. The transaction was denied. 

I completed shopping and eventually called back Comenity Bank Card Services to understand why my transaction was denied after having just validated, nearly an hour earlier, that the card was not locked and available for use. I pressed for an answer as to why my card was denied after being told the card was available for use. The customer service agent informed me that during the prior call the agent inadvertently activated a new card, which had yet to be mailed to me ( the expiration date on my current card was set to expire at the end of the month thus the reason for the new card ). Besides being surprised by what I was told I immediately became more concerned that a new credit card with my name had been activated for use but had yet to be mailed to me. The agent did profusely apologize for the error but could not tell me where the new card was at that time except to say it had not yet been mailed to me. 

This is a serious issue as it exposes me to possible fraudulent activity. Furthermore it exposes a weakness in the systems at Comentity Bank that allow a card, which has yet to be mailed or arrive in the hands of the consumer, to be activated for use. 

This must be a compliance issue and certainly seems to have PCI implications. I have since closed my account with Comentity Bank but this is a serious problem. The ability for Comentity employees to activate cards which have yet to be mailed to a consumer is a weakness in their system. I suspect it was an honest mistake but the problem exposes a hole that can be exploited if so desired. People should think twice about choosing a card from a merchant that is issued by Comentity Bank.