davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
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. (FL)

XXXX XXXX is my XXXX XXXX he opened the loan in my name and forged my signature on the loan documents. On the date in question I went to the dealership with them to see if I could assist with the purchase of a car. The dealer took a copy of my license for the credit check, there was nothing there they could afford with the money they had. I left the dealership since I drove my own car there I was no longer needed due to them not getting a car. In XXXX of XXXX  I moved to XXXX  when I went to try and purchase a car since I left the one I had to my son for school It was brought to my attention from the dealership I couldn't get approved for another car loan? I was confused because my other car was fully paid off. When checking my credit report I saw the loan from XXXX XXXX. I contacted them requested the documents from the loan and saw that XXXX initiated this loan and signed my signature. I confronted him and my daughter and she denied it. I filed a police report with XXXX XXXX in XXXX  and an investigation was started. XXXX is now XXXX  long term and the car is no where to be found my daughter states she doesn't know where it is. I need this vehicle off my credit report it has affected me significantly.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2021-07-13
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. (PA)

Hello, XXXX Bless you all. My identity has been misused by criminals. I am a victim of identity theft. I have literally been feeling the pain of not being able to used my credit from accounts that were used without my consent. My life has took such a turn around in a negative way. I have kids who depend on me for a house and just like that I am being violated by the fraudulent accounts on my report. This can not go on no longer, I have did my research and you are suppose to protect me as a consumer. There have been so many data breaches in the last couple of years with your companies that could have effected my personal information being leaked and hacked although I am not accusing you we must understand what has taken place. My identity was stolen and I have multiple accounts that aren't mine. Doing my research I have seen that the FCRA 15 U.S.C. 605 B 1681 c2 that the accounts violate the law and have to be removed immediately, these accounts can not be validated because there are not mine so please Ive heard you try to verify them with the creditor but since my identity was stolen they will try to verify it as true which is inaccurate. As a consumer protect me from these companies who will say it was my doing when in fact I never had nothing to do with it and I am a victim. I do not want to go back and fourth with something that is not mine please fix this and protect my family from being homeless. I have filed a FTC report, Identity theft affidavit, proof of address, and a letter showing that I am disputing these accounts. Protect me as a consumer and give justice.
Consumer complaint received 2024-10-14
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. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters 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 complaint. 

Items that need attention : Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-27
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: Key 2 Recovery, Inc. (CT)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 a section 2also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-30
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. (NC)

In accordance with the Fair Credit Reporting act account 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 2021-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OK)

When I make my payment via their website on the same day that it is due, the payment should be credited to my account that same day. Instead, they've set an unreasonable cutoff time of XXXX Eastern time. I live in XXXX time, so XXXX Eastern time is XXXX my time, which is at the end of a typical work day. When I work 10-12 hour days, I can never pay by the exact cutoff time on the due date, as I can't always interrupt my work day to make the online payment, which I pay manually. When I first signed up for the Lane Bryant credit card by Comenity, they didn't have this ridiculous cutoff time for payments. This is a change that they've made after I already agreed to previous/different terms of service. This is an unfair business practice. They are setting the consumer up to have a late payment and, as a result, a late charge. It's a disgusting attempt to boost their fee income.
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (WA)

This complaint is made against Discover it cashback credit card and their unfair business practices with regards to cashback redemption for eCertificate and access ( or lack thereof ) to the said eCertificate. On XX/XX/2019, I redeemed {$50.00} worth of eCertificate for XXXX XXXX for {$45.00} worth of Discover cashback dollars. I ended up canceling the dinner due to long wait and did not use this eCertificate. Today, I was thinking of using this eCertificate and found out that I can no longer access this eCertificate from Discover card website or Discover mobile app because the cashback Redemption History only goes as far as 2 years back. I called Discover customer service as typically staffs have access to the older transactions and data that is no longer viewable by the customer. I spoke with a supervisor and although she's able to see the transaction, she said there's no way for the eCertificate details to be retrieved because it expires 2 years from the redemption date. I'm left with no recourse at the moment : I don't have access to the eCertificate, nor I can request for the {$45.00} in cashback balance to be refunded as I'm unable to use the product that was purchased with the said cashback balance. I hereby attached the screenshots of eCertificate definition and XXXX XXXX XXXX terms and conditions that I obtained from Discover website, none of them mentioned about 2 years expiration as eCertificate/eCard has no expiration just like physical gift card. The fact that Discover is cutting customer access to eCertificate that they purchased after 2 years is an unfair business practice designed to make customers lose their hard earned cashback dollars. Access to eCertificate/eGift-card details should never be cutoff nor invalidated this way, as the way it is delivered to the purchaser is fundamentally different to physical gift card. eCertificate details are never sent/delivered to the customers over emails. Order confirmation email typically only contains a secure link to retrieve the details, so there should not be a time limit for accessing the eCertificate details if there's no expiration for the eCertificate itself. 
As reference to understand the significance of my loss here, in order to earn {$45.00} in Discover cashback that was used to purchase this eCertificate, a Discover card customer would need to spend at least {$900.00} in the bonus category that earns 5 % cashback or spend even more in non-bonus category that only earns 0.25 % cashback. Hence this is not a negligible loss, and this unacceptable and unfair business practice by Discover card shall be rectified by CFPB.
Consumer complaint received 2024-10-14
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. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (CT)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2024-10-14
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. (PA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>
Consumer complaint received 2021-07-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (FL)

On XX/XX/2021 I block my password in my Coinbase account, I send an email and the company respond on XX/XX/XXXX under case # XXXX saying that they will work on my case to reset my password and make a follow-up as soon as they have an update. After that nobody contacted me, I called several times to Coinbase phone number XXXX XXXX and they don't give options to talk to a customer service or support. After that they send me an email with the instructions to reset my password to access to my account and doesn't work either. On the XXXX of XXXX they send me a new email saying that they send my case to an specialist who is reviewing my case ...??? until when nobody knows??? and until today nothing happens. I'll send several email with my complete name and cell number, information about my account, etc and until today nothing happens at all. I just want to access my account to check my XXXX and it is impossible with these people. I'm really frustrated, Thank you very much in advance,
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

my vehicle was repossessed in the spring of 2021 by Bank of America, after that the vehicle was sold at auction and charged off as and debt profit and loss write-off on my credit report. Bank of America is claiming a balance of {$9200.00} on my credit file. This is incorrect because at lease off the vehicle I purchased a Gap insurance policy. Which Bank of America collected after repossessing and selling the vehicle. So for almost 3 years they have reported false and erroneous details on my credit report. Which resulted in a drop off my XXXX XXXX, resulting in me being denied working in my industry, housing, and the purchase of another vehicle. Ive submitted over XXXX disputed with Bank of America and they've denied them all knowing that the balance was paid in full by the gap insurance policy I purchased for the vehicle. Bank of America has done terrible and shady business with me and violated my rights under numerous State and Federal laws. In the corresponding attachments you will see the original loan agreement with the {$840.00} Gap insurance policy highlighted. Noted this is my 3rd complaint filled with Bank of America thru the CFPB and each complaint is still pending 30 days after submitance with no correspondence from Bank of America.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have paid a balance that was owing outstanding to XXXX  ( XXXX XXXX XXXX XXXX XXXX ) and the balance is now XXXX  and have been but I still have not seen an update on my credit report. This is adversely effecting me and I even received a letter from a collection agency on a debt that is no longer owed. I hope that someone can help me.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (OH)

The problem is not with the credit card company. The problem is with Best Buy for an annual product protection plan that they will not cancel. The plan was purchased for another person and Best Buy says that only that person can cancel the plan even though my credit card is being charged.
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Service Bureau, Inc. (TX)

MIDWEST SERVICE BUREAU, INC CALLED MY PHONE NUMBER XXXX. MY NUMBER IS LISTED ON THE XXXX REGISTRY. THEY ASKED FOR XXXX AND I TOLD THEM THIS IS MY PHONE NUMBER WHICH I HAVE HAD FOR SEVERAL YEARS NOW AND I DO NOT KNOW A XXXX. I ASKED SEVERAL TIMES FOR THE COMPANY NAME BUT THE EMPLOYEE XXXX REFUSED TO GIVE ME THE COMPANY NAME, TOLD ME IT WAS A WRONG NUMBER DIALED AND HUNG UP ON ME AS I WAS TALKING ( ASKING FOR THE COMPANY NAME AGAIN ). I HAVE BEEN RECEIVING CALLS FOR YEARS NOW ON THIS PHONE PERSONS CALLING FOR XXXX, I DO NOT KNOW HER AND I HAVE ALWAYS TOLD THEM MY NAME AND THAT THIS PHONE NUMBER BELONGS TO ME. MIDWEST SHOULD HAVE SEEN ON THEIR NOTES IN THE FILE THAT THIS PHONE NUMBER DOES NOT BELONG TO XXXX ANYMORE AND A SKIP TRACING WOULD HAVE SHOWN THAT THE NUMBER HAS CHANGED HANDS, BEEN RECYCLED AND IT NOW BELONGS TO SOMEONE ELSE, ME XXXX XXXX
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called XXXX XX/XX/XXXX after speaking to a Bank of America agent wanting to cancel XXXX services do to an ongoing related fraud scam. The BofA agent said there was no way to cancel XXXX services however on the XXXX web site it states please contact your bank or union to cancel your XXXX services. There should be a way to cancel XXXX services and neither Bank of America or XXXX have any reasonable response/solution.
Consumer complaint received 2024-10-14
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. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2021-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I checked my credit score via XXXX XXXX, which indicates I owe a balance of {$190.00} on a Capital One credit card. The problem is that I do not have any account with Capital One. When I spoke to a Capital One customer service representative, she indicated that I do not have any account Capital One. My concern is that this issue is resolved, and that no fraudulent account exists on my credit report.
Consumer complaint received 2022-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/2022. I purchased a new vehicle through XXXX XXXX XXXX XXXX. As part of this sales transaction, I took out a new auto loan with Truist Bank. The loan application, qualification, and sales transaction was all handled together by XXXX XXXX XXXX XXXX. It was verified at at the time of the sales transaction and has been verified since then that information and documents were completed correctly. Once the loan account was set up and I was able to log into online banking to pay more loan, it came to my attention that Truist bank had erroneously set up two separate loan accounts for the same car. There should only be one loan account. Both loan accounts are for the exact same amount and for the single vehicle. The bank has confirmed that this is the case. However- they have been very difficult to work with to resolve this issue and cancel the duplicate loan account and thus far has forced me to pay for both accounts, when I should only have one loan. The dealership has gotten involved and is trying to assist as well - but the bank is uncooperative. The XXXX Notice contact information on the sales contract for the bank, when dialed - nobody answers. It just keeps ringing and then hangs up. I've called their loan services number XXXX times in the last XXXX days - and nobody has been able to help me. The average call has been XXXX to an hour and then they hang up on me while I am on hold. They are unable to get me to the right person to address this issue ( or unwilling ). 

I'd like to file a complaint and also ask for assistance in helping to resolve this issue.