davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

Company named affirm has 2 accounts opened in XXXX of XXXX. Account # ( XXXX ) & account # ( XXXX ). I never opeend these accounts or authorized ahyone to do so. Ive reported it with them as fraud several times and even did a affidavit and their response to me was that it remains on my credit and their information is accurate. They do not provide me or the credit bureaus with any proof that the debt was mine. Ive asked for proof of ny signatures as well as ny identification card or drivers license or anything proving this devt was mine. They do not have any if that information they said. My identity was stolen in XXXX and used several times fraudulently and i never had any problems with other companys disputes once i prove that it was not me who opened it. This is the only company who refuses to take responsibility that they opened an account to a fraudulent buyer.
Consumer complaint received 2020-11-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Cherrington Firm PLLC (UT)

Greetings, We were unable to pay a medical bill early on during the pandemic due to job loss. Now that my wife is working again, I attempted to settle the medical bill. This particular bill was turned over to the Cherrington Firm PLLC in XXXX, UT. They were unwilling to work with me on a settlement. In fact, they added an 84 % increase to the original amount in interest, and they are telling me that the interest is added daily. 
I checked with the original bill holder which was through XXXX XXXX. Since they had already turned it over to the debt collector, they were unable to recall the notice. However, they did provide me with a EOB and they mentioned that the original contract does not mention additional fees or interest for late payments. Therefore, the firm is attempting to illegally collect interest on a medical bill which is not accurate. I feel that I am being raked through the coals for something that I just want to take care of and be done with, but they are unreasonable. Please Help!!!
Consumer complaint received 2020-11-20
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. (FL)

Greetings, I sent a dispute letter to the credit bureaus such as XXXX, XXXX and Transunion, but they are not doing anything to solve my problem. 

I have inaccurate information on my credit report that is affecting my credit score, I want to resolve this as soon as possible.
Consumer complaint received 2020-11-20
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. (NY)

I sent letters to the credit bureaus because I have inquiries that I didn't authorized,, and negative accounts that should not be on my credit report. i want to open an investigation about my case and solve my problem.
Consumer complaint received 2020-11-20
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. (NY)

I sent letters to the credit bureaus because I have inquiries that I didn't authorized,, and negative accounts that should not be on my credit report. i want to open an investigation about my case and solve my problem.
Consumer complaint received 2020-11-20
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: BBVA FINANCIAL CORPORATION (OH)

XX/XX/2020 I accidentally bover paid my credit card with BBVA Compass. Once realized I had over paid I called them. It was before the end of XXXX. Because I had doubled my payment, account was frozen and I had to speak to the fraud department. I was advised the hold would be removed & a check would be sent to me. 

XX/XX/XXXX called again, was advised overage check had not been requested. It would take up to 10 business days for me to receive the check. 

I've called every week since than. I advised BBVA no check. 

So today I was advised that at XXXX EST they would file an escalation for me. I tried to explain to various people, I've received mail today. It will do no good to wait for XXXX. I just my money back.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MS)

My account was closed today for no reason given. I had over {$400.00} in the account and its for my rent which is due this Saturday! I am going to get an eviction notice due to them closing my account so sudden and without reason. The email said a check will be mailed 30 days from today but I HAVE RENT TO PAY THIS WEEK!
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am trying to get a mortgage for a second home. I currently have a mortgage through Bank of America. I have made all payments on my current mortgage on time and have NEVER been in forbearance. For some reason the bank has reported my current loan in forbearance which is causing a gap in my husband and I getting the mortgage on the second home. We are currently in jeopardy of losing the contract on the house due to Bank of Americas incorrect reporting. I have called several times to get this issue fixed to no avail.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (NJ)

There is incorrect information on my credit file. The following address listed on the file is inaccurate and incorrect : XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX. 

The following employer is also incorrect and wrong information : XXXX XXXX XXXX. I never was employed by that company. 

The following name is listed on my file and it is not me, or do they have any relation to me whatsoever : XXXX XXXX. 

Please correct the following.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-17
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. (AL)

On XXXX XXXX XXXX  the truck I purchased thru XXXX XXXX stopped running.i had numerous engine problems before this, the car lot o purchased from suggested I tow it to authorized dealer for repairs. Once it was there XXXX XXXX  sent a warranty rep. An he approved repairs. 3 or 4 days later he returns told service manager to stop repairs .Cause after market parts on it .I did not make any changes... I bought it as is ... .with warranty! XXXX XXXX  called said I must continue to pay for vehicle I replied yes I will I needed it fixed..they disagree to honor warranty. I couldn't pay for it... not working. Do repair shop sold it.neither XXXX XXXX not I have possession of said truck... it got sold.
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (OH)

Received alert on my credit report a debt was added for XXXX unpaid {$50.00} due in XXXX. They referred it to Waypoint Resource Group on XX/XX/XXXX. I have copies of the bank payment paid in XXXX. I emailed, faxed and sent via XXXX copies of these documents to Waypoint Resource Group who confirmed receipt of the documents. They told me I had to call XXXX and have them let them know they received the payment. I have made several attempts to contact XXXX who told me that the debt was referred to collections. No resolution and my credit has a bad debt listed.
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Massachusetts Housing Finance Agency (MassHousing) (MA)

I see multiple 30-120 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 2021-12-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (MI)

I made a purchase from the company XXXX on XX/XX/XXXX. Payment was using Paypal, and my credit card via paypal. 

I ended up returning the entire order back to XXXX, and provided tracking information to paypal. Paypal originally ruled in my favor, and then reversed their decision for no reason. 

" Add money to resolve your negative balance. 

- {$6700.00} '' All of this happened in XXXX. 

Now I received a message from PayPal saying they are transferring my ( falsely ) negative balance to a debt collection agency, XXXX today XX/XX/XXXX. 

This is unacceptable. I returned the products and should not have a negative balance on paypal. 

I demand a removal of the negative balance, removal of submission of my account to a debt collection agency, and recognition from Paypal that they have erred.
Consumer complaint received 2021-06-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (IL)

On XXXX XXXX I sent a letter via certified Mail to the company for verification of medical debt. On XXXX they sent a response stating in the allotted time they could not verify the debt and they would stop reporting the account to any consumer reporting agencies within a 30 day or more time frame. It is XX/XX/2021 and they are still reporting this unverified account.
Consumer complaint received 2020-11-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC (FL)

This company did a hard credit check on my XX/XX/XXXX credit report on XXXX. I've heard of their agency before but I did not give them permission to check my reports. I've had other agencies to this in the past and have caught them and they finally stopped ; however I've dealt with this company before and they were trying to collect on a 15 year old debt from me in the past with harassment. 

Since they are not a lender and debt collector, they checked my credit report illegally, assuming to get current contact information or other information they could use. THIS IS ILLEGAL as they had no permission to do so. 

I have also ordered my XX/XX/XXXX and XX/XX/XXXXreports and will create another CFPB complaint if I find them on there as well ( for each one ) ... 

STOP IT or you will pay damages.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (SC)

XXXX of last year I used a Barclays Visa on a XXXX $ purchase Was not billed and we forgot about it. We received the bill in XXXX and paid it. Barcays credited us the late fee. But we did not know Barclays reported the 60 day past due invoice to the credit agencies. Lowering my credit. They do not take phone calls, we had to sent them a full credit record and an account of what happened. They replied saying they can not remove the late payment from my credit report. 
What has to happen to make this right?
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Please see complaint ID XXXX submitted on XX/XX/2020. Fifth third bank responded to the complaint but the response did NOT address the Regulation B violation. Their flagrant violation cost us {$3000.00} in additional costs to put on our roof due to their delay. Fifth third was required to make a lending decision within 30 days of receiving a complete loan application. They did not. We want to know why.We want an explanation. Were not looking for them to acknowledge our frustration. We want to know why they violated regulation B.
Consumer complaint received 2021-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

All I received was a notice of the amount. The hospital never sent a bill itemizing the amount left to pay. I emailed the hospital the packet for financial assistance and the hospital never returned my phone call or emailed me back to even say they received it. I have a pre-existing condition and due to the nature of my job I was unable to work for weeks.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (SD)

I have asked multiple times for this company to please stop calling my cellphone, they have done it from various different phone numbers, I block one number and they start harassing me from a different number and I am now getting harassed with automated phone calls. I have asked again today XX/XX/2022 to stop being called on my cellphone
Consumer complaint received 2022-06-22
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. (FL)

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and update late payment from my credit report immediately.
Consumer complaint received 2020-11-20
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)

I had a joint account for a car loan with XXXX XXXX XXXX XXXX. During a period of three years they misappropriated payments and charged car insurance unnecessarily. They write to me informing me of their abuse and that they had made a mistake. I send the letter to Experian and demand that my credit score and payment history be adjusted, but they refused. The other credit reporting agencies did make arrangements. They continue to play hardball with the citizens of California and intimidate its citizens. Recently I got a check from a collective lawsuit recently, since this is the way they due business. They had to settle with millions of persons. I demand that the account is updated to paid off with no late payments and my credit score be adjusted, just like the other credit reporting agencies increased my score and removed this account from my record.
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe were reported in error. 

XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$330.00}
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — Store credit card
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. (NY)

COMENITY BANK XXXX IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT. THEY HAVE A FRAUDULENT ADDRESS LISTED TO AN ACCOUNT THAT DOES NOT MATCH MY ADDRESS. THE ADDRESS USED ON THE ACCOUNT WAS A FRAUD ADDRESS AND SOMEONE STOLE MY IDENTITY AND USED XXXX XXXX as the address listed and my apartment number is XXXX. 
the apartment XXXX is NOT MINE. 

Account information Account name XXXX/COMENITY/XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/2018
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I have a Macy 's American Express card. I made a payment on XX/XX/XXXX for {$50.00} due by XX/XX/XXXX. My minimum payment was {$29.00}. I then made another payment of the remaining balance of {$190.00} that cleared AMEX on XX/XX/XXXX. The statement closing date for that cycle was XX/XX/XXXX. However, I received my bill for XX/XX/XXXX and the payment for {$190.00} was not on the bill. It was collected by AMEX though on XX/XX/XXXX. There appears to be a few days between the actual closing date of XX/XX/XXXX and the date payments are made. I received a late fee on my XX/XX/XXXX statement and FINALLY my payment of {$190.00} shows up in that statement with a closing date of XX/XX/XXXX. So my payment cleared on XX/XX/XXXX was not applied to either XXXX or XXXX, but then shows up in a statement on XX/XX/XXXX AFTER a late fee was applied. I called customer service to find out why a payment made in early XXXX was not applied until a XXXX bill and why I got a late fee then. The customer service agent reversed my late fee and said she would file a complaint with how billing is done. I would like to formally file a complaint with billing. It is deceitful and confusing to customers to not apply a payment for the next billing cycle, but apply a late fee. Had I not caught the problem and try to reach out for answers on how this happened, I would have had a negative billing late fee on my account and no answers on the delayed payment.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I received a letter in the mail from " The Huntington National Bank '' XXXX XXXX XXXX XXXX OH XXXX They are confirming that I opened a checking account on XX/XX/2020 and I DID NOT. 

When I called they told me they couldn't help me unless I supplied my Social Security Number.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX, [ mi ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/2004 ] [ XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ incorrect item on my account ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX k XXXX.