davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (FL)

While checking my credit report, I notice an account from GM FINANCIAL, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that GM FINANCIAL is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (WI)

On XX/XX/2019 Barclaycard cancelled both of my credit cards for no good reason.

I was never late in a payment or kept any high balances. I asked them several times to give me a good reason, and they can't. They keep saying I violated the terms of the agreement, but nobody can tell me which one.

The big problem I have is they are trying to take all my reward points, which I earned. I want those reward points back or redeemed for cash. They shouldn't be able to take those away from me for no good reason.
Consumer complaint received 2019-02-18
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. (OK)

I have been trying to work on my credit report every since my identity was stolen. I have some child support and auto loan that I am not responsible for. 

I've reached out to the credit bureaus but I've not been able to reach any outcome.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (FL)

Aaccount : name XXXX XXXX XXXX In accordance with the fair Credit Reporting ACT XXXX  Account # XXXX/XXXX  # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX ON THIS ACCOUNT ACCOUNT IS XXXX PAYMENT ARE MADE FOR XXXX EACH MONTH ON XXXX FOR EACH MONTH! 

THIS IS WHAT I HAVE FOUND THAT Incorrect? 




I have send to Experience and XXXX and XXXX  To Please verify inconsistent in my Report. 
I have submitted certified mail and for Them to verify Information in my credit report. 
I do not understand how they have responded with all accounts have been verified. 
I have found several inconsistencies in My report. 

Note : Experience : Name XXXX XXXX XXXX not XXXX XXXX I have send Copy of drivers license Also the account that they told they Verify Do not match with dates and amounts Also disputed inquires same company several inquiries. 
XXXX  XXXX time! 

Address is not Correct also send them copy of Correct address still not Change. 
Employment information also incorrect have send them my Employment information Still have not been Changed. 


XXXX DATE ARE Incorrect AS PER OPEN DATE and last Reported XXXX Incorrect date ALSO Mix information SAME Inconsistent XXXX  XXXX  Incorrect date on last Reported I have also Requested this Verification from XXXX.
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX Account Number : XXXX Bal : {$0.00}
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX XXXX Account Number : XXXX Bal : {$75.00} 2. XXXX XXXX XXXX XXXX 
Account Number : XXXX Bal : {$930.00} 3. XXXX XXXX Account Number : XXXX Bal : {$1300.00} 4. XXXX Account Number : XXXX Bal : {$0.00} 5. XXXX Account Number : XXXX Bal : {$0.00}
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am submitting the second complaint to CFPB since I am not satisfied with the Bank of America responded to my complaint XXXX. I found it partial and not convincing. 

First the XXXX representative was neglected to answer for my first question : If my application is clear reject why I received a message about gather more information instead of giving the honest answer right away? I understand that XXXX has 30 days to review an application. However, my case was entirely clear right away. 

Next. In response to my first complaint, XXXX representative told that online advertising is not targeted and preapproved offer. Agree. However, it is CUSTOMIZED OFFER ; it is presented as : ( my name ) we recommend you this limited time offer! I believe - this is a misleading advertisement, that can be understood by an average person as meaningful and pre-screened personal OFFER to me ( since I being called by my name ). 
In contrast to other banks, on this offer pages do not appears bank requirements to applicant credit potential ( good credit, average credit, etc. ). Even the statement subject to credit approval does not appear here. All of this causes a false illusion of pre-approved offer.
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

Had a balance at XXXX but the mail was sent to an old address. Once I received that XXXX mail at my new address I paid it off directly to XXXX. XXXX never called or emailed me when they couldn't get in contact with me via mail. I don't know if XXXX mailed my old address, but they never called me. The total was {$220.00}.
Consumer complaint received 2022-08-04
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2019-02-18
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: Nelnet, Inc. (NC)

XXXX and XXXX are reporting incorrectly that I am 120 days past due on several loans with the Dept of Education that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. The are four Dept of Education accounts that are reporting incorrectly.
Consumer complaint received 2019-02-18
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. (WI)

some time around mid 2017 I went in to XXXXXXXX XXXX XXXX XXXX XXXX to purchase an item. At this time I signed up for what was presented as a 0 % apr credit card. I signed digitally for the card. I went back some time after and wanted to add an additonal purchase on the 0 % apr card. 

After several months of making timely payments i started receiving collection calls. I found a second fraudulent account was created rather than putting the purchase on the original account. After looking closer into the staments I also found rather than being 0 % interstet rate they had signed me up for an extremely high APR card. 

When i went in i was told they sold the account to the company below and could not do anything. They said i should have put down {$1000.00} in order to receive to 0 % which was not diclosed to me. 

XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX When i called XXXX  they said all they could do is settle the account in full. This has damaged my credit and has made it so I can not afford to pay it off.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (WV)

My American Express, as well as all my credit accounts, are always paid in a timely manner and absolutely never late. I never pay just the minimum and pay off large amounts of the balance but American Express repeatedly blocks spending on the account with many reasons why they Shut down the card. When I call in they tell me Im an excellent customer in good standing but they continuously shut off the card with a many u substantiated reasons. They have personally insulted me when I call to complain and typically get a representative from outside the US who does not speak fluently. The gentleman from XXXX I spoke with in Sunday was verbally insulting me and lecturing me on false accusations. This happened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX also and I still dont have this resolved. They charged me a {$550.00} annual fee last month but keep shutting off the card which doesnt allow me to access the benefits of the annual fee. This all seems fraudulent to me and would like Amex investigated. A customer in excellent standing should not have to deal with this. My account statement shows there is no payment due at this time and no preset spending limit which is evidently false. Being a XXXX XXXX I am making large purchases monthly and expect to carry a balance between 10-20k depending on need but it always gets paid and I pay large payments!!!
Consumer complaint received 2020-05-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XX/XX/2019. signed rental aggrement.XXXX and XXXX to hold apartment the complex did not have unit ready and would not provide me certificate of occupancy prior to move in. This is against Florida law. I have contacted capital one for months, submitted all documents they requested numerous times. Capital one fails to re credit my XXXX and XXXX. I was told they would definitely assist me. my card account ends in XXXX. I have called repeatedly, emailed, uploaded, and mailed all requested documents. the cancellation letter, lease with back out clauses, Florida law. email from complex stating they would not provide certificate of occupancy. Capital One personal credit card has been a horror show.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THIS IS NOT A DISPUTE. TRANSUNION BROKE THE LAW AND REPORTED UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE TRANSUNION ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED INQUIRIES ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).
Consumer complaint received 2019-02-18
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: Experian Information Solutions Inc. (CO)

I tried to go back to school in XXXX, at XXXX Jr College I was in class not even a month and told because I didnt have a high school diploma or something equivalent I didnt qualify for any student loans, and was asked to dismiss myself. Now over 20yrs later I have all these student loans I'm to pay back I cant seem to get any help in this matter I thought it was taken care of only to find out the loans have been sold to collection company 's. My credit is a mess I keep disputing these issues and cant get it cleared up they have intercepted my taxes my wages and I do not owe anything I NEVER SIGNED FOR ANY CHECKS REGARDING ANY STUDENT LOANS, some one had to for them to be cashed and used on a student that wasn't even in school how do they get away with that? I have contacted the school which is now XXXX college spoke with XXXX XXXX from admission she went back to XXXX and shows no record of me ever attending college they have all the XXXX jr college records and transfers, no record of me. Over 20 +yrs I have been dealing with these loans that should of never been. PLEASE HELP ME. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have monitoring services with all three credit bureaus which allow me to unlock and lock my credit report, since I am a continuous victim of identity theft. On XX/XX/XXXX, someone unlocked my credit report without my consent and then called and changed addresses, phone numbers, added accounts, credit cards opened, rented a place with my social security number. When I called to see how my credit report was unlocked when I had locked it back in XXXX, they kept transferring me to one department to another and manager to manager. Nobody could answer my question. I was left having to clean up the mess when I am paying them a monthly fee so that I and I alone can unlock and lock my report. I asked them if there was an additional step I could take so that someone impersonating me could not call and unlock my report and they told me that no
Consumer complaint received 2019-02-18
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. (TX)

I filed a dispute with the 3 credit bureaus asking them to provide verification on accounts on my credit under the fair credit reporting act 15 u.s.c 1681 section 609 ( a ) ( 1 ) ( a ). And to remove them if they can not send me verification
Consumer complaint received 2019-02-18
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 filed a dispute with the 3 credit bureaus asking them to provide verification on accounts on my credit under the fair credit reporting act 15 u.s.c 1681 section 609 ( a ) ( 1 ) ( a ). And to remove them if they can not send me verification
Consumer complaint received 2019-02-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

In 2017 myself and the borrower was effected by hurricane Irma and requested a forbearance and was immediately approved and advised once the forbearance was done one of two things would happen we would be asked to do repayment or a modification. Coming towards the end of the our forbearance we were given an opportunity to go through a loan modification all we needed to do was submit documents such as pay stubs, bank statement and a hardship letter which we did.After many months of resending and submitting the same documents and no response from loan care we were finally was denied for our modification and was told that it was due to lack of income and an increase in payments. Confused by this we asked them to go into further detail and each time we spoke to someone we were told something different. We finally reached out to the attorney general and recieved an honest response stating our denial was also because we never submitted a document stating there was no damage to the home. Although we spoke to several agents no one ever mentioned this very neccessary document that was needed. We were offered a second chance to resubmit all the same documents again which we did and still to this day have not received our modification. The lack of payment has been placed on credit report as well we have received a letter stating we owe all those months of missed payments. Before we even reached so far down the rabbit hole myself and the borrower have asked numerous time can we start making payments in good faith because we did not want to owe a substantial amount if things did not get approved and was advised against it. Our goal is to get or mortgage reinstated and to continue our payment and avoid foreclosure.
Consumer complaint received 2019-02-18
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. (MO)

My identity has been compromised some time ago, and the aftermath had me fighting for my identity back. My first order of business was to dispute unauthorized accounts and inquiries. However, the 3 major credit bureaus response was account ( s ) verified. The accounts in questioning are as following, ( 1 ) XXXX XXXX XXXX  XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$3600.00} ( 3 ) XXXX XXXX   {$830.00} ( 4 ) XXXX XXXX  {$440.00} ( 5 ) XXXX XXXX {$86.00} In regards to the accounts above and the 3 bureaus, I'm requesting the Method Of Verification used to verify the above accounts. I would like to know what employee spoke to whom, and by what means of communication, phone, text, letter, fax, email, physical documentation, etc. What date, day, and hour. What physical documentation verified these accounts. In accordance with the FCRA laws I'm requesting all the above and if this is not provided to me then I'm requesting for the above accounts to be blocked. As a consumer and a victim I'm within my nature rights.
Consumer complaint received 2019-02-18
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. (MO)

My identity has been compromised some time ago, and the aftermath had me fighting for my identity back. My first order of business was to dispute unauthorized accounts and inquiries. However, the 3 major credit bureaus response was account ( s ) verified. The accounts in questioning are as following, ( 1 ) XXXX XXXX XXXX  XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$3600.00} ( 3 ) XXXX XXXX   {$830.00} ( 4 ) XXXX XXXX {$440.00} ( 5 ) XXXX XXXX {$86.00} In regards to the accounts above and the 3 bureaus, I'm requesting the Method Of Verification used to verify the above accounts. I would like to know what employee spoke to whom, and by what means of communication, phone, text, letter, fax, email, physical documentation, etc. What date, day, and hour. What physical documentation verified these accounts. In accordance with the FCRA laws I'm requesting all the above and if this is not provided to me then I'm requesting for the above accounts to be blocked. As a consumer and a victim I'm within my nature rights.