davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

XX/XX/2020- My vehicle loan was paid the remaining $ XXXX balance. I was informed it could take 7-10 business days to reflect as paid and closed on my credit report. I understood. 

XX/XX/2020-My phone app reflected the payment on my account, however, still was not showing as paid on my credit. Spoke with XXXX on their webchat and was advised it would day 3-5 business days as they were slightly behind due to COVID-19. I understood. 

XX/XX/2020-Still no change to my credit report, contacted XXXX  via phone and was advised they would send an email to expedite my account being reported. I understood. 

XX/XX/2020-Still no change to my credit report. contacted XXXX and stressed the importance of getting this rectified as I am trying to get a house and this account is causing some issues. I was advised it would take another 3-5 business days for them to expedite it ( again ) and she would send me a letter by mail stating it was paid in full so I could show the housing company as we waited for it to go through to credit. 

XX/XX/2020-Still no change to my credit report, never received the letter of paid in full status. 

XX/XX/2020-Housing company could not hold off on my application any longer and ran my credit. 

XX/XX/2020-Filed an online dispute with Experian in hopes that it would prompt XXXX to update my account with accurate information. ( Dispute still pending as of XX/XX/20 ) XX/XX/2020-Housing company denied my application because my debt to income ration was not accurate because XXXX account is still showing as open and outstanding. 

XX/XX/2020-I checked my mailbox again for the letter, it was not there. Contacted XXXX and asked for a supervisor. I was advised there was nothing they could do and was given another 7-10 business day response. It has been almost 3 months since this has been paid and now this is severely impacting my life by them not accurately reporting my account. I was told by the supervisor that they have not reported many accounts so I may not be the only person being impacted by this. 


I am currently XXXXt with XXXX and I NEED this house before they arrive. My apartment is not large enough and I can not do anything because XXXX is stonewalling me with timelines that, in my opinion, are wrong. It has been well over the 7-10 business day timeline they gave me since the beginning. Now I will have to have another hard inquiry on my credit when I have to reapply for a house all over again once XXXX does the right thing. 

When I attempt to log into my account to obtain the proof of payment, I get an error message. " You can't view the details for your closed vehicles accounts anymore. '' So they've marked it off in their system but refuse to report it to the credit bureaus.
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 status incorrect
Company: EQUIFAX, INC. (WA)

RE : XX/XX/XXXX Late Payment I am requesting to please remove the delinquent payment that was applied to my credit score for the month of XX/XX/XXXX. The delinquent payment was due to a bank error and not delinquency. The following is the history and background of what transpired. 

XX/XX/XXXX - I made my XX/XX/XXXX online XXXX mortgage payment. On that same day, I made {$4500.00} deposit into my bank account to cover the mortgage payment and any miscellaneous first of the month transactions ( bank account should have been credited {$4500.00} instantly ). 

XX/XX/XXXX - XXXX attempts to pull funds from bank account and is denied due to insufficient funds. 

XX/XX/XXXX - Bank deposits money into account 48 hours late. The bank does not know why this mistake happened as the funds were supposed to be instantly available. 

XX/XX/XXXX - I realize the mistake the bank made in not posting the funds immediately while looking at my bank account online. I promptly correct the issue and make the XXXX payment. 

XX/XX/XXXX - XXXX mortgage payment is made. 

XX/XX/XXXX - Receive credit score alert that my credit score now has a delinquent payment due to our mortgage payment not going through. I quickly called my bank and was furious. They couldnt explain why the check was not automatically deposited into my account as was done several times before. They apologized and promptly refunded the NSF XXXX Overdraft Fees that occurred during that time period ( making my account overdrawn and unable to process the mortgage payment ). They also apologized and said there was nothing they could do about the missed mortgage payment but said to contact XXXX, explain the situation, and show the refunded NSF/Overdraft fees as validation of the mistake. 

My wife and I are both self employed. I am a consultant and my wife owns a restaurant. This is the first time a late payment has hit our credit report. The reason why we had to push our payment till the end of the month was my clients were late paying their invoices and the XXXX is always slow in XXXX. XXXX has very much impacted our finances but we pay our bills and have no desire to apply for forbearance. This payment should have gone through without any issues and its incredibly frustrating! We will be switching banks because of this mess, I understand mistakes happen but this could have major implications on my score for years to come if its not corrected. 

We respectfully and humbly ask for you to remove the late payment on our credit report due to the honest attempt to pay on time ( XX/XX/XXXX ), extenuating circumstances/mistake with our bank, and our flawless payment history. 

Thank you for your consideration. 

XXXX XXXX
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (TX)

I sent this letter to all 3 Major Credit Bureaus on XX/XX/XXXX requesting an investigation for several inaccurate reporting on the Date of last activity date, High credit amount, date of last payment, last reported date are all inaccurate from one Bureau to another. This is affecting my credit score and my ability to make major purchases. 


To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and Equifax is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$25000.00} {$25000.00} {$21000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} {$21000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Unpaid balance reported Charged off account Profit and loss write-off as a loss by the credit Unsecured grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit report. XXXX XXXX {$730.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$400.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$15.00} XXXX  XXXX XXXX  XXXX {$940.00} XXXX XXXX XXXX XXXX {$1100.00} DPT ED XXXX XXXX {$4500.00}
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (OK)

Credence Resource Manage ran my credit and it drop I don't owe them or anyone thing from them to run my credit my score drop because of it. It shows inquiry no company or debit I owe on it. Haven't apply for anything or use my social or anything for anything.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (PA)

I was approved for UC benefits by state of PA and money was issued to me on a US Bank ReliaCard. I never received a card and when I called them, they promised to expedite me a replacement card. They did and I received it but was not able to activate it. I spoke to about 50 more representatives from US Bank in the last few weeks and was told I would never gain access to my funds because the account has been flagged as a fraud attempt and that " no one '' can contact or be contacted by the department that flagged it because of " security reasons '' so I'm " out of luck ''. This is unacceptable ... THIS is fraud! The situation with US Bank boils down to : " the state deemed you eligible for this money and they issued it to you but we are taking it and there's nothing you can do about it. '' The state tells me they issued my funds and that its a ReliaCard issue and there's nothing they can do. There has to be someone that can do something about this ... it is the very definition of theft and fraud!!
Consumer complaint received 2020-05-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (KY)

I had financial hardship, and contacted XXXX XXXX XXXX last XX/XX/2019. They said they have reached out to all my creditors to make arrangements to pay each XXXX. 
XXXX has refused to work with XXXX  XXXX XXXX. Recently, I have been receiving letter after letter, from local lawyers, that claim I have a summons to appear in court. I have checked, but there is no court case recorded. I have not received any summons, but several of these lawyers have a fake copy of a summons with my name, address, and credit card company. The lawyer letters have said this lawsuit could lead to a lien on my property, take over of my bank account, garnishment of my wages, etc. I in good faith have tried to reach out to my creditors. They have caused me additional stress to add to the difficulties I am now facing in my life. XXXX, and their Midland Credit Management, have publicly shamed me, and inundated me with countless lawyers contacting me daily. 

XXXX XXXX  turned my XXXX XXXX debt over my to Midland Credit Management for {$1600.00}, which I half of what I owed, with late fees, and interest charges doubling the requested amt. 
Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (AZ)

I have several credit cards including XXXX, Discover, XXXX XXXX, XXXX and XXXX XXXX, all of which are charging in excess of 24 % and as much as 28 %! 

My XXXX  score ranges from XXXX to XXXX and Ive complained to the above listed companies and was provided absolutely erroneous information without any resolution. 

Why am I being taken advantage of when my credit rating is in the excellent range?
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

For no reason, my PAYPAL account was permanently limited, and denied access to MY MONEY, when asked they provide no reason, As to why theyve done this, theyve repeatedly said violation of acceptable use policy, PAYPAL is using consumers, and abusing market power. I want MY {$11000.00} RELEASED.
Consumer complaint received 2022-10-10
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

The mortgage is serviced by Dovenmuehle Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX. 

This company took over the servicing in XXXX of this year. I was previously paying bi-weekly {$750.00} and the payment was XXXX that left XXXX each two payments to principal reduction. They get the checks and it takes up to 10 days to get the account credited. The last payment was received on XX/XX/XXXX ( It was stamped on a copy of my cancelled check. The web portal states applied on XXXX. The check cleared my bank on XXXX. There is additional funds that they hold in a suspense account until I have to call to be put to principal reduction. 

This process seems illegal since they are holding money that can reduce my amount owed.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MT)

{$69.00} XX/XX/XXXX Annual fee that I have previously canceled. 

Barclays Credit Card - Specifically Frontier Airlines Credit Card I have a Frontier Barclay Credit Card - in the past, I happily paid a {$69.00} annual fee for additional benefits- more miles when you spend on airfare, restaurants, etc. Since Covid, I am not traveling and dining out as much. Last year, XXXX, I canceled the {$69.00} fee and downgraded my card to a {$0.00} annual fee with fewer benefits. I thought that was the end of it. Now, they just bumped on another {$69.00} annual fee and are refusing to reverse it. I find this highly inappropriate and scamful? Without my consent, after canceling the annual fee arrangement, they popped on the charge again. I called them today, talked to supervisor, etc,- and NO - they are not going to refund the {$69.00} annual fee- I called them and successfully removed/canceled it last year- but it suddenly popped up again. 

I called today asking to please reverse charge, I still use the card, but have down-graded to the {$0.00} annual fee card and they gave me a hard NO. They are not budging and I think this is criminal. A class action perhaps? All I'm looking for is my {$69.00} back. I do not want anyone else in this boat. Thank you for listening.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-08
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: One Source Technology (CA)

Several times for different background checks for employment ive seen now on my record it shows as if I have an active warrant which I DO NOT. It has my case from more recently showing I have even been to court since the supposed warrant issue date and I've confirmed multiple times with the clerk that I have NO WARRANT, yet it shows up as though I have a warrant for some kind of drug charge I know NOTHING about. This is affecting my life and ruining my employment chances and it NEEDS to be fixed.
Consumer complaint received 2020-05-14
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: TD BANK US HOLDING COMPANY (PA)

Per Previous Complaint # XXXX The ( XX/XX/XXXX ) TD Bank letter stated that they would credit my account within 3-5 Business Days. As of this date ( XX/XX/XXXX ), the two charges are still on my account and/or there was no credit issued. I searched the original charges and also reviewed all credits to my account in XXXX. I made a phone call Thursday ( XX/XX/XXXX ), left a polite detailed message, and have not received a return call. 

I understand the companys response to my complaint I understand what they were supposed to do ; however, they never followed through on their promise.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

XXXX XXXX XXXX Reported me to XXXX XXXX credit Report as having {$620.00} charged off as a bad debt. 

This is totally incorrect. 
I HAVE TALKED WITH THEM SEVERAL TIMES. 

My checks were taken and my signature forged on checks amounting to about {$600.00}. The bank charged me, then took it off and closed my account. Kept the small amount I had left in my account and now reported me as a bad debt. They do not want to resolve the problem and it is affecting my credit report which is also affecting my homeowners insurance.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

We called to ask about Forbearance plan, and was told information would be sent out for our review. We received a letter on XX/XX/2020 stating we have been approved for a Forbearance plan. After reviewing the information we decided this is not for us and paid our monthly payment on time and have been paying on time as our credit report stated all for the month of XXXX states No Data Show ( ND ). We are request the month of XX/XX/2020 to be shown as paid on time.
Consumer complaint received 2020-05-14
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$3300.00} XXXX XXXX XXXX {$210.00} XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX {$1400.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (NY)

In accordance with the fair credit Reporting act XXXX on my Account has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy.

15 USc 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B - A creditor may not treat a payment on a credit card / loan account under an open consumer credit plan as late or any purpose