davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-02
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: CURO Intermediate Holdings (TN)

I was charged two overdraft fees due to Speedy Cash debiting my account on the incorrect date. This is after I called in and reported the error. They refused to credit me for the fees after initially promising to do so. Therefore, I immediately halted my payments. I informed them that I would not make any payments until those fees were credited. I also revoked my phone authorization. They have continued to harass and call me daily, from different telephone numbers.
Consumer complaint received 2021-07-02
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: FC HoldCo LLC (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2021-07-02
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. (AR)

This complaint is for the timeshare company XXXX XXXX. We spoke with their employee named Ms. XXXX who was introduced to be something other than just a salesperson & also claimed to not work on commission. We were enticed by telling us we were making a good financial investment. They promised that the resale value would go up. We were also tempted when we were told that the purchase had some tax benefits similar to owning a second home. They make it sound like they're making a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. We were also pressured by telling us that it's our last chance at the lowest price. They had us open a credit card wherein they made me sign an application making me believe that it was part of the application process but I wasn't made aware that it will be used to open a credit card. They also had my ID at that time. They offered us breakfast, tickets to shows etc. I felt I was rushed into this because shortly, there were 3 people talking & they never gave me enough time to read & fully understand the contract properly. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. I was XXXX years old then, so it felt like I was taken advantage of. We experienced financial difficulties due to this timeshare plus the problems caused by Covid19. I have to work extra days for this timeshare and they kept calling us for payments everyday. Everytime things got worse in dealing with them, they kept promising things would be positively different but it never gotten any better. I had the worst experience with this timeshare, we were simply defrauded, this is a scam. They lied to us, having this timeshare is not as great as they made it out to be, paying monthly for the rest of eternity.
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (TX)

My granddaughter ( XXXX  ) downloaded a " free '' game ( heypets zro ) from XXXX XXXX  on XX/XX/2021. On XX/XX/2021 I was notified of a pending charge for {$210.00} on my checking account. I immediately notified XXXX  XXXX XXXX that this was not authorized and I didn't make this charge. They canceled my debit card & issued me a temporary refund and opened a claim. 

On XX/XX/XXXX I realized the pending charge was a subscription to heypets zro for the monthly fee of {$210.00}. I canceled the subscription and notified XXXX XXXX. 

On XX/XX/2021 I read an email from XXXX XXXX saying I didn't notify them within the 48hrs and my claim was denied. 

I emailed XXXX XXXX  back on the XXXX of XXXX saying I did notify them within the allotted time frame. I just didn't fill out the correct claim form. I also stated that as soon as I read the email saying I needed to fillout a different claim form I tried to do it immediately. It wouldn't allow me. I also got on XXXX XXXX chat to try and get it canceled with XXXX. He wasn't able to and had me escalate it. Sometime later My XXXX XXXX account showed it was refunded back to me. 

Fast forward to XXXX. My bank takes back their temporary credit saying I had a relationship with XXXX XXXX  so they denied the claim. XXXX XXXX  payment history shows that the {$210.00} is REFUNDED and tells me to contact B of A for my money. B of A says they never received the money. 

I engaged with XXXX chat ( XXXX ) again about not receiving my money. They say that B of A canceled the transaction and I need to contact them for my money several times. 

I have talked to B of A multiple times and they said XXXX received their money and never issued a refund. 

I have the chat from XXXX XXXX  saying the transaction was cancelled and B of A owes me money. I have my transaction history of all transactions for {$210.00} from B of A showing the withdrawal from XXXX and the temporary credit issued and then taken away. I have my XXXX XXXX  account showing a refund for {$210.00}. I also have the emails from XXXX XXXX  about the disputed transaction.
Consumer complaint received 2021-07-02
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. (TX)

On XX/XX/XXXX experian, XXXX and XXXX reported a new collections account on my report. XXXX XXXX XXXX is the collector and the account belongs to XXXX which was XXXX XXXX XXXX. On XX/XX/XXXX I paid the account in full with XXXX even though I dont believe the debt to be accurate because they told me they would delete it from my credit report. The conversation was recorded and happened with 2 separate employees. These collections need to be removed from my account ASAP
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NJ)

I received a copy of my credit report and found the following item to be errors Here as follows are items in error : 1. The late payment from XX/XX/XXXX is inaccurate CBXXXX I sent out a letter on XX/XX/XXXX and still have not gotten a response it has been over 30 days. 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.
Consumer complaint received 2021-07-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

I am writing to formally dispute the bankruptcy listing on my credit report, as it inaccurately reflects my current financial status. Per the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information on my credit report is accurate and up-to-date. 
Attached, please find documentation from both the courthouse and XXXX proving that my bankruptcy has been resolved. This evidence substantiates my claim that the bankruptcy listing should be removed from my credit report in accordance with the FCRA. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), inaccurate reporting of my financial information can have adverse effects on my creditworthiness and overall financial well-being. Therefore, I request that you conduct a thorough investigation into this matter and promptly remove the erroneous bankruptcy listing from my credit report. 
I trust that you will handle this dispute with the utmost attention to compliance with consumer protection laws. Your prompt action to rectify this error will help ensure the accuracy of my credit report and uphold the consumer rights outlined in the FCRA and FDCPA. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.Thank you for your prompt attention to this matter. I anticipate receiving confirmation of the removal of the inaccurate bankruptcy listing from my credit report.
Consumer complaint received 2021-07-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I was in Forbearance per the CARES ACT from July 2020-Feb 2021 ( 8 months ) Prior to being on forbearance I've never missed a payment in 11 years. I agreed to a loan modification to pay back the missed payment over the course of the loan and I was told I must complete a 3 month trial payment period of higher payments and after thats completed sucessfully I would get loan modification documents to sign. I got the paperwork on XX/XX/XXXX, XXXX.I contacted the Loss Mitigation supervisor, XXXX XXXX at XXXX and I told him the documents payment amount was wrong, because I'm permanently exempt from property taxes in Texas. I also told him I don't have a problem with the hazard insurance amount even thought I hadn't had an escrow account since XXXX since I pay home insurance monthly. He said they'd get new documents to me. All I got was a letter stating that I missed 10 payment past due and to call them for assistance.They had sent me a Mortgage Assistance Application requiring a lot of info. Also after completing the 3month trial payment period from XXXX - XX/XX/XXXX they sent me a letter concerning my escrow overage which was owed to me in XXXX and they said since I'm past due on payments I won't get it and they are keeping it that was on XX/XX/XXXX. I called back on XX/XX/XXXX since no new modification documents came in and I spoke to a rep named XXXX, she assured me it would be taken care of and that nothing was done about it when I called on XX/XX/XXXX. She said new documents would arrive in a week. It's been over a week and I sent an email directly to the Loss Mitigation dept and no one has responded to me and today is XX/XX/XXXX. I got an email stating I have 6 days to sign my old incorrect loan modification agreement on XXXX XXXX.I called XX/XX/XXXX and spoke with the insurance supervisor named XXXX and I we confirmed the XXXX payment with the home insurance included. But she said it still had property taxes on it and when she transferred me to Loss Mitigation no one answered. These people are trying to take my home and I need help. LAKEVIEW LOAN SERVICING LLC, subservicing by XXXX XXXX
Consumer complaint received 2023-04-05
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: CBC Companies, Inc. (NJ)

After reviewing my consumer report I must inform you that I am NOT responsible for the listed account ( s ) as I have been a victim of identity theft.

Ive already notified both my local Police Department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt.

I am instructing you to please delete the following fraudulent account ( s ) from my consumer report immediately. 

Accounts : Account Number : XXXX / XXXX XXXX XXXX XXXX XXXX Amount : {$8000.00} Account Number : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Account Number : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please delete the following inaccurate information listed below. 


Address ( XXXX ) : XXXX XXXX XXXXXXXX XXXX NJ XXXX Phone number ( XXXX ) : XXXX
Consumer complaint received 2023-04-05
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. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Balance : {$41000.00}, XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I was completely shocked to see inaccurate accounts appear on my credit report this morning, and I have no clue how they got there. I check my credit report regularly, but this time, there were errors that came out of nowhere. I even refreshed my browser, thinking it might be a glitch, but nothing changed. These false accounts didnt disappear after refreshing, and now Im really anxious. Im asking for the documents Ive sent to be reviewed thoroughly so I can finally put this behind me and not live in constant worry.
Consumer complaint received 2021-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent numerous letters to get this stuff off of my credit report. By law it should not be reporting on my credit report without my consent. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX  you cause me. Also per the CFR 1022.41 Section ( C ) ( 4 ), none of the bureaus did a proper investigation so they should not be reporting in anything on my credit report without my consent. Which I never or will I ever give them consent to do so. This is against the law and part of your regulations as well. I want everything list to be removed from my credit report immediately. 

XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I have previously reported the following XXXX transactions totaling {$13000.00} to USAA as fraud : XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$1000.00}. 
XXXX XXXX - {$500.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$100.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$400.00}. 
XX/XX/XXXX - {$200.00}. 
XX/XX/XXXX - {$200.00}. 
XX/XX/XXXX - {$250.00}. 
XX/XX/XXXX - {$300.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$250.00}. 
XX/XX/XXXX - {$100.00}. 

For USAA to say that these transactions are not fraud is completely wrong. Please pay attention to the words and documentation that I have submitted in this complaint. During these dates I was serving my country on a XXXX in the depths of the ocean with NO access to the internet or to my cell phone. I have attached my statement of service stating that I was onboard a XXXX during these dates. I went on XXXX on XX/XX/XXXX and prior to that I had called XXXX XXXX XXXX  to suspend my cellphone service. The person who defrauded me had called XXXX XXXX XXXX after I had left for XXXX and she convinced XXXX XXXX XXXX to keep my cellphone service active WITHOUT my consent. This allowed her to receive text messages from USAA and allowed her to change my passwords all while pretending to be me. I have attached my XXXX XXXX XXXX usage report during these dates. You can see that text messages from USAA ( SMS code XXXX ) were received starting on XX/XX/XXXX most likely allowing her to have my personal information and passwords changed while I was on XXXX. I DID NOT authorize these transactions and I am a victim of identity theft. I was severely and maliciously defrauded. I have attached police reports that document that the person who did this is a con artist / serial defrauder. I also found that a bench warrant was issued for this person 's arrest in XXXX ( also attached ) for contempt of court in a case where she stole the identity of a service member serving in XXXX and she opened multiple credit cards in this persons name. She also opened 5 credit cards in my name and so far XXXX XXXX  and XXXX XXXX XXXX XXXX has recognized that I was defrauded and they had their bank 's entries deleted from my credit profile. Furthermore, she also sent money to her daughters from my XXXX account totaling {$7200.00} while I was on XXXX. XXXX has recognized that I was defrauded and had those funds returned to me.
Consumer complaint received 2021-07-02
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: U.S. BANCORP (VA)

U.S. Bank charged off my account after failing to alert me that my account was overdrawn in XXXX of 2019. I checked my US Bank app to verify I had no pending transactions and saw there were none.Because I was paid in cash and had no need to use a debit card and left the account inactive for two months. After the period of inactivity, I attempted to deposit money onto my account when I learned that my account had been charged off because of a roughly {$20.00} overdraft. Because U.S. Bank had incorrectly recorded my address into the account with an invalid address, I never received a letter of demand. Before U.S. I had even made a cash deposit in person before my account was charged off, but the U.S. Bank teller neglected to notify me that my account was overdrawn. Due to an error with the U.S. Bank app and their failure to record my address correctly, my personal finances and credit report have been negatively affected. 

It is reasonable for a customer to trust a financial institution to record the personal information a customer provides accurately. It is also reasonable for a customer to trust a financial institution to alert the customer if the customer makes a transaction in person of problems with their account. I trusted U.S. Bank to alert me by mail, phone, and interactions with bank tellers of account problems. Because U.S. Bank failed to maintain an accurate address that I provided them and to inform me when I was speaking with a bank teller, my personal finances and credit have been severely hurt. 

I only learned that this prevents me from taking loans after I graduated college and applied debt consolidation loans. I have attempted to dispute the claim but U.S. Bank refuses to correct its mistakes. 

I have attached portions of U.S. Bank statements that show the invalid address and the date I made a cash deposit. A brief internet search will show that the address U.S. Bank recorded and disseminated to consumer reporting agencies is invalid. There is a house number, the word " XXXX '' but no street name, and a zip code that corresponds to a city in a different state. It is the responsibility of the customer to provide the correct address 's, but it is also the responsibility of the financial institution to enter the correct address they receive from the customer. I use the address that U.S. Bank claims they sent demand letters to for other legal documents but this is the only time that an invalid address has appeared on any of my legal documents. 

I have attempted to dispute the issue with U.S. Bank but U.S. Bank refuses to correct their mistakes. Because of U.S. Bank 's mistakes, I am suffering.
Consumer complaint received 2021-07-02
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. (TN)

I submitted a dispute with Equifax on XX/XX/2021 about a negative account reporting on my credit profile. I disputed this account because I had no knowledge of this account and I never received any verification to prove this account was actually mine. XXXX and XXXX deleted this inaccurate account from my credit profile but Equifax did not.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.