davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

In XXXX, this year, I made a purchase on my XXXX XXXX XXXX XXXX credit card that was sent to me to REPLACE the XXXX AND XXXX XXXX separate cards. I destroyed those cards as I was asked to in the mailing of the new XXXXXXXX XXXX XXXX XXXX card sent. I have had trouble with this bank in the past for taking so long to post or not posting to correct account. AGAIN, since I knew of this trouble, I sent payment for my purchase on the XXXX of XXXX, this year. They applied it to the old account even though I had it directed to the NEW CARD NUMBER sent to me. This was only DAYS after my purchase so they would have time to POST IT to my account well within the time limit for making payment. To this date, XXXX, I have written to them in secure message, twice, I spent 45 minutes on the phone with a representative explaining the situation as they had sent me a notice that my payment was past due but is SHOWING A CREDIT BALANCE for the {$31.00} purchase I made, but they posted to THE WRONG ACCOUNT number. After speaking with the representative for the 45 minutes, he told me he understood and would fix this. That was on XX/XX/XXXX. Today I sent another message requesting my account be updated to show I am NOT PAST DUE BUT IN FACT PAID WELL BEFORE TIME. I do not plan to let this go months and months again like last time I need this corrected by them NOW. Please provide whatever assistance you can in this regard. Thank you
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX received my 623 letter request on XX/XX/ via USPS Certified Tracking Number XXXX. 

XXXX XXXX DID NOT respond in the 30 day time frame to my letter, which results in a FCRA violation, which they are continuing to report false information.
Consumer complaint received 2021-01-21
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. (CA)

XXXX XXXX XXXX XXXX Balance {$770.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance : {$2400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$5100.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance : {$1900.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX Balance : {$11000.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
Consumer complaint received 2022-06-08
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. (OH)

In accordance with the Fair Credit Reporting act these accounts below has violated my rights. 

- XXXX XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX XXXX XXXX  XXXXAccount # - XXXX - XXXX XXXX XXXX /Account # - XXXX - XXXX XXXX XXXX XXXX /Account # - XXXX - XXXX XXXX XXXX /Account 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 a account without my written instructions
Consumer complaint received 2022-01-27
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. (DE)

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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WI)

I got an email on XX/XX/XXXX advertising discounts on gift cards. I tried to redeem the advertised offer on a gift card that could be used at XXXX of locations. It would not go through on their website. 

I tried to explain this multiple times to Thank You Rewards Customer Service. They did not seem to understand the issue. But most of the time, I would get somebody from another country where XXXX was not their primary language. I dont know if its a communication issue or what but I explained it twice today. The first person denied that they still had the card available ( but they do ). Its just not discounted 10 % so he really had no clue what he was doing. He was very rude. The second guy was more professional but did not fix the problem. 
I have screenshots of the offer, as well as the times I called to try to resolve the problem. Unfortunately, I could not find an email to try to communicate with someone from thank you rewards.
Consumer complaint received 2021-09-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This debt was paid off and the debt collection agreed to remove and debt the account from my credit report. This negative adversity from this account is still reporting on my credit report. I have asked for XXXX XXXX to provide the following information : - credit insurnace - their relationship ( purchased by, debt collector or hired by another debt collector ) - payment history - charges w/signature - balance history - interest rate disclosure - pay-off disclosure For review and it has not been provided.
Consumer complaint received 2022-06-14
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: A-L FINANCIAL CORP (CA)

On XX/XX/2018, A - L FINANCIAL add a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA A - L FINANCIAL has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2022-06-08
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 — Problem with personal statement of dispute
Company: Upgrade, Inc. (NY)

XXXX XXXX  issues the Upgrade Visa card. This credit card reports only your amount balance owed, to the 3 credit bureaus, without also reporting your total credit limit. This results in your credit utilization being listed as 100 % usage for the Upgrade visa card which causes your overall credit score to drop. I attempted to rectify this issue with Upgrade visa customer service 4 months ago. I was told they do not function as a regular visa credit card since they are also a line of credit. This means they do not have to report your entire credit limit, to the credit bureaus, only the portion you have used the balance owed. I stated to them this policy is inaccurate and unfair and only succeeds in lowering your overall credit score. All financial lending products in my experience have always listed on your credit reports the amount you owe, as well as your credit available limit.
Consumer complaint received 2022-06-08
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. (IN)

In accordance with the Fair Credit Reporting act XXXX Account Number : XXXX, Account Number : XXXX, has violated my rights. 

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 a account without my written instructions Account Name : XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

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 2022-06-08
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. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 


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 a account without my written instruction.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this.
Consumer complaint received 2021-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (IN)

I refinanced my home mortgage at a lower interest rate and to consolidate three loans with three separate lending institutions. My new lending institution XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX IN hereafter called XXXX ) contacted the three lending institutions & obtained final payoff amounts for those loans. Payoff Cashiers Checks were sent to these institutions on XX/XX/XXXX. Two of the institutions accepted the checks and closed the loans. Ford Credit refused the check as " not signed correctly '' and returned the check to a faulty address. I received a " courtesy letter '' telling me of the event. It took 3 days for XXXX XXXX XXXX  to recover the missing check by working with USPS. Meanwhile, I received daily text messages & e-mails from Ford Credit about my overdue account, turning me over to the credit bureau, and applying late-payment interest penalties. I spent hours on the phone on numerous occasions talking to Ford Credit minions who promised to research the problem and call me back. As of today, XX/XX/2021, I have received no such replies. 
I have continued on a daily basis with ONB to resolve this issue and they are as frustrated as am I. I have volumes of exchanged information between XXXX, Ford Credit, & myself. On XX/XX/2021, after communicating with Ford Credit, XXXX sent TWO checks to Ford Credit via certified mail. One was for accrued late-payment interest of {$42.00} & the other check was for the amount of the original loan payoff quoted on XX/XX/XXXX. Ford Credit signed & received the checks on XX/XX/2021. ONB records indicate that Ford Credit deposited the {$42.00} check but have not yet handled the payoff check as of XX/XX/2021.
Consumer complaint received 2022-07-07
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. (DE)

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 a account without my written instructions.
Consumer complaint received 2022-02-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (DE)

I have sent in a XXXX a few weeks ago and am filling a complaint against XXXX, XXXX, and XXXX This letter states if the collection company of the creditor has not responded, the company has to remove the item from your account. XXXX, XXXX, and XXXX are not complying with their own policies in a timely manner.
Consumer complaint received 2021-09-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. ()

I need to cancel my savings account whith citi bank is not useless XXXX XXXX I gat my taxi 's and a working place deposit to that bank and I don't get a XXXX to use my account and after all I can use my account.
Consumer complaint received 2022-06-08
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX balance {$5200.00}, XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$2000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX balance {$30000.00}, XXXX XXXX XXXX Account # XXXX balance {$16000.00} has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (IN)

On XX/XX/2022, I received a telephone call from someone stating they represented Citibank corporation regarding a credit application that was opened in my name. I did not complete this application nor have a signed credit with Citibank corporation. The representative stated that he was reaching out to me because the email seemed fraudulent. He also mentioned they would deny the application and suggested that I contact the federal trade commission to report this fraud because my personal information had been compromised
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (TX)

There is two collection accounts from XXXX XXXX that is being reported to my credit file from Equifax, XXXX, and XXXX and I DO NOT know what it is. I disputed these inaccurate accounts with all three companies and they did not investigate the information and continue to report unverified information! 
XXXX XXXX
Consumer complaint received 2022-08-08
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: GOLDMAN SACHS BANK USA (FL)

My name is XXXX XXXX. I am submitting this on my own behalf, there is no third party involved. 
I have previously contacted Goldman Sachs Bank in relation to validation an alleged debt which they have not done pursuant to 15 USC 1692g laws. I have subitted a previous complaint with the CFPB regarding this issue ( complaint ID : XXXX ) In addition to refusing to lawfully validate the alleged debt, they are in violation of 15 USC 1666 ( b ) ( 2 ) " a billing error consists of any of the following : ... A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. '' I requested documentary evidence proving the alleged debt was mine and Goldman Sachs Bank refused. 

I sent them a notice that I, a federally protected consumer, believed that the statement contained a billing error and the amount of such billing error, and set forth the reasons for my belief that the statement contained a billing error. 

Pursuant to 15 USC 1666a, Goldman Sachs Bank may not directly or indirectly threaten to report to any person adversely on the consumer 's credit rating or credit standing because of the consumer 's failure to pay the amount indicated and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of sending a written acknowledgment ( which Goldman Sachs did not do ), and make appropriate changes to the account in which the billing errors occurred. 

Goldman Sachs is negatively reporting on my consumer credit report, in addition to not following the requirements of due-process in regards to 15 USC 1666 AND additionally has not verified the alleged debt in the first place pursuant to 15 USC 1692g as previously requested. 

a copy of this CFPB complaint has also been sent to the Florida Attorney General 's office and the XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I have discovered unauthorized inquiries and accounts on my consumer report, prompting me to file a report with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, equifax and XXXX for infringing upon my consumer rights by including these accounts in my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00}. I strongly believe that this situation exploits me, and I seek resolution.
Consumer complaint received 2022-08-08
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. (GA)

on my equifax and XXXX report i have become aware that there exist inaccuracies on my report neither credit agency is following proper procedure according to 15 USC 1681 ( b ) the two companies reporting inaccurate information is XXXX XXXX AT XXXX XXXX XXXX XXXX MA XXXX ACCT NUMBER ENDING IN XXXX ALSO XXXX XXXX  LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ACCT ENDING IN XXXX I have never done business with these two companies and due to a data breach at equifax this is when they both showed up on my account. PLEASE REMOVE BOTH these inaccuracies are hindering me from getting gainful employment therefore cause me to be XXXX  and I WILL SUE ALL PARTIES INVOLVED DUE TO THEIR NEGLIGENCE