davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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. (VA)

In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2021, I received my FICO from Experian. According to Experian, my FICO score increased by 44 points. Reporting my score as XXXX. 
On XX/XX/2021, I applied for a personal loan with XXXX. XXXX pulled my credit score that XXXX. This reporting is inaccurate. This inaccurate reporting prevented me from receiving the best interest an APR. 

I would like to challenge this reporting. Find out why there is this huge disparity in reporting. I request that XXXX be provided with my updated FICO score.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (GA)

My loan servicer has failed to pay the city taxes on my home, which were due XX/XX/XXXX. I contacted the company through several phone calls, 3 emails, and 3 secure messages to fix the issue starting XX/XX/XXXX. I supplied the company with my loan documents from closing, city, and tax-delinquent statements through the company 's approved email address of XXXX. The issue has not been resolved to date.
Consumer complaint received 2021-01-23
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. (CA)

stdent loan was not to report negativity during the tome that they continually did. they agreed during covid pandemic they would not repot negative to the credit berro and they have been and not willing to remove my negative marks due to me paying off my loan early
Consumer complaint received 2021-01-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc. (NC)

I took out a pay day loan of {$550.00} on XX/XX/2021. Including the finance fee, I was responsible for repaying a total of {$630.00} which was due on XX/XX/XXXX. I repaid the {$630.00} balance due online with my debit card which cleared and posted to my checking account that day. However, overlooking my repayment of the loan, on XX/XX/XXXX, Advance America presented a check to my bank account for repayment. Consequently, {$630.00} was erroneously deducted from my bank account and I was inconvenienced by their error and could not fulfill other financial obligations ( namely my monthly car payment and car insurance payment that was due ).
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-26
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AZ)

New account. Initial payment was made via electronic payment with routing number. They said XXXX number was off so they rejected the payment but did not notify me. Charged {$30.00} fee. 
Then I made the next payment via Wells Fargo Bill pay. They lost it and could not locate the payment or apply it to my account so I had to make a double payment and cancel the first payment with my bacnk. 
I closed the account after this. 
Now they are continuing to assess late fees on my account which I refuse to pay.
Consumer complaint received 2022-03-09
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. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Hello! 

I have an account listed on my credit report XXXX  XXXX as a closed account. This was when I was a student  in Wisconsin for two weeks, and I have never had a bill, debt, or active account with them. If possible, I would love to remove them from my closed account list. 

Thank you!
Consumer complaint received 2021-01-23
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: Experian Information Solutions Inc. (CA)

I disputed with Experian on inaccurate credit reporting on a chapter XXXX bankruptcy and a collection account with XXXXXX/XX/XXXX involving a XXXX insurance bill thats not mine since I had travelers insurance. Experian finally took off XXXX XX/XX/XXXX in XXXX XXXX then placed again in XX/XX/2020 without even sending me a written explanation as required by law within 5 days.XX/XX/XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXXhard inquiries are showing on my credit report and were not authorized. 
I sent multiple certified letters disputing and also froze my XXXX XXXX account. Experian says they used nexus lexis for verification, a third party, impossible since I froze account 1 year ago. I asked for proof, they didnt send me. I spoke to XXXX XXXX, ca bankruptcy court and they said they do not give out information to third parties. 
I filed a small claims court case on XX/XX/2020 against Experian and was told to call them and initiate arbitration. I have called several times to no avail. They say they dont have a legal department phone number and tell me to just mail to them.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I received a letter from Capital One stating that I am late in paying my credit card. I did not and have never had a credit card with Capital One. I do not have this letter available anymore. I received another one dated XX/XX/2024 stating " Although your account tis past due, its not too late to bring it up to date ''. This is not correct as I do not have a card with Capital One.
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NJ)

Dear CFPB Team, I am complaining for mishandling my Property Tax payment by BSI Financial Services. 

BSI did not pay my property Taxes timely and when I got notice of Non Payment, I immediately shared the copy with them and they confirmed they will make the payment. After receiving further notices I started following up with them regularly and it took them 4-5 weeks for initiating payment as they lacked resources as per them. The payment was released late despite of me reminding them of last date and this their check was rejected and my taxes went to Tax Sale. After speaking to BSI customer service that I will make the payment to avoid reporting to my credit report and they will reimburse me they are completely non responsive to my claim and they are showing record that they have made the payment. I call them every week send them follow-up emails but they do not respond and customer service just takes information and dont do anything. 

I need help and guidance to resolve the issues and get my payment.
Consumer complaint received 2021-02-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (DC)

My name is XXXX XXXX, I received a car from XXXX in XX/XX/2020. I later received calls and texts from Bridgecrest regarding an alleged debt. I never consented to Bridgecrest having my personal information. I mailed them a debt validation letter on XX/XX/2020 and did not receive a response. I mailed them an affidavit of truth on XX/XX/2020 which also did not get a response. Both documents were sent certified and signed for. I recently sent another debt validation because I noticed that this account was on my consumer report listed as charged off, which has negatively affected my reputation as a consumer. I still have not received a response from Bridgecrest. How can they charge off an account that they have not validated? This account has stopped me from getting many opportunities over the past few months. I feel that they need to have some type of repercussions for their actions from the CFPB.
Consumer complaint received 2021-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I received a promotional mailing offering {$700.00} bonus for new-to-citibank customers to open an account Of {$50000.00}. You had to deposit {$50000.00} within 30 days. Maintain combined balance for 60 days. Cash bonus to be credited within 90 days. 
I deposited {$1000.00} to checking & {$49000.00} to savings on XX/XX/XXXX. I have not touched money since that point. On XX/XX/XXXX I received {$100.00} promotional rewards credit for referring a person to open an account. 
As of this date I still have not received my {$700.00} initial bonus, XX/XX/XXXX. 
I made a call & spoke to XXXX XXXX on ~XX/XX/XXXX. She assured me it would be credited. 
I went in to XXXX XXXX NY office on XX/XX/XXXX & saw XXXX. She said back office is reviewing & would be resolved. I called XXXX again on XX/XX/XXXX. The {$700.00} has still not been credited. She said her branch office manager XXXX would contact back office & get back to me. 
I have not received a follow up call as of yet.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I just received a copy of my consumer report and I noticed that the items I previously disputed are still showing. I have already provided an Identity theft report to support my claim that these companies have committed fraud by stealing my non public information and reporting it without my written consent. According to 15 USC 1681i you are required to investigate these items. You stated that the data furnishers have verified the accounts belong to me, but how did they prove that. What document they provided? what evidence will you have to defend your company in federal court for violating my rights. I want you to understand that I am in the process of buying a home for my family and these accounts are causing extreme damage to my creditworthiness. Once again here are the fraudulent accounts:XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX account ( # XXXX ) XXXX account # XXXX XXXX XXXX XXXX account # XXXX None of these accounts belong to me. I have never entered into a consumer credit transaction with these companies.
Consumer complaint received 2020-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (MO)

Started receiving letters from National Credit Adjusters with offers to settle this debt. In late XX/XX/2020 I received a phone call from National Credit Adjusters wanting payment on this debt. I explained that I had never received any notification of this debt. I told them that I had received offers from them to settle the debt for a reduced amount but had never received any proof of this debt. After seeing the collection account on my credit report I sent National Credit Adjusters a letter on XX/XX/2020 with an offer to settle the debt if they removed the collection from my credit report. I did not receive a response from the company. I filed a dispute with all three credit bureaus about this collection. On Monday XX/XX/2020 I called National Credit Adjusters and explained that I did not receive a response to my letter and repeated my offer to settle this debt if they removed it from my credit report. I was told by a very rude lady that this company does not delete information. I explained that I did not believe this was my debt and I was only offering to send a payment to get the negative account off my credit report. I was told they would not do this. On Monday XX/XX/2020 I again called National Credit Adjusters and offered to settle this debt and was told they couldn't accept any payments from me because I disputed the account. I would have to send them a letter telling them to remove the dispute before they would even talk to me about a payment. I explained that I was disputing ownership of this account and only wanted to pay to get the account settled and reported as paid in full on my credit reports. I was then transfered to a voice mailbox. I left my contact information and explained that I wanted to settle the account. On Wednesday XX/XX/2020 I was contacted by a representative from National Credit Adjusters and was again told that they would not accept a settlement from me until I sent an email removing the dispute. I once again explained that I was disputing the account and was never sent any proof that this was my account I only wanted to settle it to get it off my credit report. They refused to allow me to settle the account. I would now like for this company to remove this account from all three credit bureaus and no longer contact me about this debt since they have failed to show proof of the debt and they refuse to allow me to make a payment.
Consumer complaint received 2021-02-02
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: REGIONS FINANCIAL CORPORATION (FL)

Over the past couple of months my business ( fleet ) credit card for gas purchases has fallen victim to a number of fraudulent charges that have posted to our account. The fraud protection system that the card uses flagged these as potential fraud and emailed me to confirm or deny the charges. In every instance I have responded that the charges were not authorized, and the card company blocked the compromised cards and issued a new one. When I received my statement I noticed that we were still charged for the fraudulent charges despite reporting that they were not authorized. I called the credit card provider earlier in XX/XX/XXXX and was told that even though we already reported the charges as fraudulent that we still had to submit a transaction dispute after the fact. I submitted disputes for 4 charges on XX/XX/XXXX and 2 more on XX/XX/XXXX. For each of those disputes I received notices back a week later stating that we will not be credited back for those charges because we have more than 10 cards. Today I have submitted disputes for 3 more charges and I have 3 more to dispute, but the card provider 's website seems to be down. I expect that the responses will be the same as those I have already received. Since the beginning of XXXX we have flagged {$1300.00} in fraudulent charges that the card provider has not credit back to us. Dates and amount of those charges are as follows : XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$86.00} XX/XX/XXXX - {$86.00} XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$74.00}
Consumer complaint received 2021-02-02
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. (NY)

on XX/XX/XXXX I submitted a dispute via certified mail to experian noting that inaccurate information was being reported on my credit report. I requested that all information in question be lawfully validated or removed. I received no validation or response. I then submitted a follow up dispute XX/XX/XXXX. Once again I received no validation or response.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (IL)

on XXXX2021 i filed a police report for unauthorized transactions on my debit card with Netspend they have refused to refund my funds they police have surveilleance and the card is still in posession My name is XXXX XXXX
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Reached out to company and tried to get information about this account as well as a validation letter company had none of my information correct wasnt trying to help me file a fraud claim wanted me to give them my address an attempt to collect a debt asked for XXXX. A copy of the original contract bearing my signature that I actually sign on for this debt XXXX. I want a payment history from the original creditor that shows my payment of whatever i did with them