davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Credit card — Store credit 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: CITIBANK, N.A. (NY)

I have submitted multiple complaints to Macy 's regarding issues with my credit card, but unfortunately, I have not received any response. Communication with the company has been particularly challenging on these matters. On several occasions, I have noticed an inexplicable two-dollar charge on my account after paying off my card, and despite my efforts to get an explanation, Macy 's has not provided any. Furthermore, this situation has negatively affected my credit score for this and other reasons. When I try to communicate with them, they simply tell me that I must make the payment, showing no interest in listening to or addressing my concerns. Each time I call, the service I receive is unsatisfactory and it seems they do not take my concerns seriously, which is extremely frustrating. They just tell me that this call is to collect a payment. 

What an unpleasant company.
Consumer complaint received 2024-10-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I conditionally accept your offer upon proof of claim that NATIONAL CREDIT SYSTEMS can provide the original charging instrument for the mentioned accounts, pursuant to the UCC you must be the holder in due course of the original charging instrument otherwise you may not make a presentment. If you provide the original charging instrument, I will gladly pay the alleged balance. 
In addition, I conditionally accept your offer upon proof of claim, you provide the XXXX which shows who the recipient and issuer of the funds are because it is to my knowledge that I am the issuer of said funds.
Consumer complaint received 2022-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

CONVERGENT OUTSOURCING, INC IS REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT WHICH IS HURTING MY CREDIT REPORT AND SCORE. 
XXXX ACCOUNT IS NOT MINE.
Consumer complaint received 2022-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IL)

Back in XXXX, I opened a credit card account with XXXX XXXX. I submitted a payment for the full balance on this card and paid the credit card off with the intention of cancelling the card. After that, I received no communication from XXXX XXXXXXXX other than the balance re-appearing on my credit card and them stating I could no longer access my online account to make payments and that I would need to contact them. XXXX  XXXX sent my balance to PYOD LLC collections company for the amount of {$510.00} that I paid. I attempted to dispute the charge with PYOD LLC through XXXX XXXX which did not work. After this, I contacted PYOD LLC directly and informed them I made the payment on this account in full and was not sure why it was sent to collections. They advised I contact XXXX XXXX to receive my full credit card statement with purchases and payments. I contacted XXXX XXXX who said they no longer had access to that information and that I would need to contact PYOD LLC for those records. I contacted PYOD LLC again early in XXXX and informed them of what I found out and they stated they did not have the records and there was nothing they can do other than submit a request to XXXX XXXX. I have still not received my full statements from XXXX XXXX or PYOD LLC and they have this collection on my account hurting my score. PYOD LLC is stating that they can remove my delinquency if I make a payment but have been vague about it and refuse to send any paper communications. This balance is so minimal, however, I do not feel like I should pay this amount a second time when I know I paid it. I think it's very strange that the companies can not even communicate between one another to actually validate the debt OR provide me any information about this debt. I need this collection account removed from my credit report as this amount has been paid in full.
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I discovered that my name is inaccurately represented on my credit reports from XXXX, XXXX, and Equifax. The incorrect name listed includes XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, instead of my actual name, which is XXXX XXXX XXXX. 

This issue first came to my attention on XXXX XXXX when I reviewed my credit reports. I immediately contacted each credit reporting agency to clarify the situation and requested corrections. During my calls, I was informed that they had no record of my correct name associated with my credit history, which led me to believe that my personal information had not been accurately documented or updated. 

Despite my efforts to provide necessary documentation, court order, department of motor vehicle photo identification ], the inaccuracies remain unresolved as of XXXX XXXX. I have also filed disputes with each agency but have not received the necessary updates. 

The discrepancies in my name could potentially affect my creditworthiness and access to credit, which is why I am taking these steps to ensure that my information is recorded accurately.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2022-06-23
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. (CA)

I have a XXXX XXXX Overdraft Protection Line of Credit which I've had for years, but very rarely use for more than a few days. I check all my accounts monthly, including this one, to determine if I owe any money to any of my open accounts, and pay the bill accordingly. When I login to online banking, the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and Current Balance is {$0.00}. To any normal person, there would be no further action to take - so I took no action. Fast forward to XX/XX/XXXX, I receive a cryptic email from XXXX XXXX @ XXXX XXXX requesting me to call her. There is no sense of urgency in her email. I called her and she explained that I had a past due balance of some {$4.00} and change. When I accessed my online banking, again it displayed the same information : the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and XXXX XXXX is {$0.00}. She said in order to see the past due balance I had to physically click on the XXXX Now button and the website would then show the amount due. That's ridiculous by itself - since the website first said nothing was due. I indicated that I would pay the bill that day ( Tuesday ). When I attempted to pay the bill later that day ( I'm in CA now and XXXX XXXX is in MA, so there's a XXXX hour time change - XXXX XXXX was already closed ) it would not let me, saying I have to transfer a minimum of {$10.00}. I didn't owe {$10.00} - I owed {$4.00} and change, so I didn't have a way to pay it. There was no indication made to me that if I didn't pay the past due interest by that day I would receive negative credit reporting. That's exactly what happened. I was reported 30 days late to the bureaus because of a website error - the website was clearly communicating incorrect information. A consumer should not have to hunt and peck through the website to find how much is owed. If any amount is due, it should be displayed under the amount due column. I am attaching a screenshot of the website prior to making the payment that shows how information is being incorrectly displayed.
Consumer complaint received 2022-12-15
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. (PA)

I am a natural person who has rights as a consumer. I have been going back and forth with Experian for years trying to remove inaccurate items reporting on my consumers report. Not only are these item inaccurate but they were place on my credit report with out my consent. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. There for it must be removed. Experian stated that thing were accurate before and I sent in proof that it was not. There for this company is not trustworthy. Instead of removing what they felt were inaccurate they updated. Please show me in the law where it states to update. According to 15 usc 1681a ( 5 ) I if items are not accurate it shall be deleted. I also would like for this company to show proof that they completed and accurate the investigation according to Law. What family member, neighbor, or associates they have reached out to on my behalf. It is not a complete or accurate investigation of this company only reached out to the company because that is bias. According 15 usc 1681a ii ( a ) I A consumers report does not included any transaction or experience with consumer ( me ) and person ( corporate ) asking report, which mean the items being disputed should not be on my consumers report at all. According to 15 USC 1681a ( 2 ) a ( i ) So far this company has violated several of my rights as a consumer, deformation of my character, and helping companies that has committed fraud using my credit card. I want this items removed now or I will take legal action. 
Account that should be removed is : Hard inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DIRECMANAGEMENT, INC. (AL)

Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be errors. Here as follows are items in error : XXXX. Validate Account Direct Management {$1300.00} XXXX. XXXX XXXX XXXX {$40.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( XXXX ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud
Consumer complaint received 2024-10-17
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. (GA)

I am filing a formal complaint against Experian, XXXX, and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as well as breach of contract and deceptive practices. Despite having accounts with these credit bureaus and being promised daily updates to my credit reports and scores, my reports have been deliberately hindered for over 30 days. The bureaus have allowed inaccurate, outdated, and derogatory informationsuch as collections, fraudulent statements, and erroneous payment historiesto remain on my credit reports, which has severely damaged my creditworthiness. Despite multiple formal disputes, the bureaus have failed to correct or update this harmful information, in violation of the FCRA. 

Furthermore, my formal requests for verbal and written communication regarding these disputes have been ignored. Instead, I have been met with malicious tactics intended to delay compliance and avoid accountability. This stalling appears to be an effort to negate their responsibility under the FCRA and FDCPA. I have attempted to resolve these issues in good faith, including proposing arbitration as outlined in my contracts with the credit bureaus. However, their refusal to engage in meaningful communication has left me with no choice but to pursue litigation if this matter is not resolved as required by law. 

I am demanding immediate correction of all inaccuracies, as well as fair compensation for the harm caused, calculated based on each infractions duration and severity. Additionally, I seek damages for the emotional distress and financial injury resulting from their negligence and refusal to act. If these issues are not addressed promptly, I will have no option but to pursue legal action to protect my rights.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-31
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TN)

I am writing to formally dispute the accuracy and validity of a debt reported by National Credit Systems , Inc., acting on behalf of XXXX XXXX XXXX. I disputed the validity with XXXX and XXXX but the debt was validated despite wrong documentation from this creditor. I have requested and received documentation from National Credit Systems , Inc . However, the information provided includes conflicting details and lacks the legally binding documentation necessary to substantiate the claim.

Reasons for Dispute : The documentation submitted by National Credit Systems , Inc. fails to meet standard validation criteria due to the following issues : 1- Inconsistent Account Information : The records provided show discrepancies in the balance claimed, with conflicting amounts, wrong name, and reference to an incorrect apartment unit number. These inconsistencies raise serious questions about the accuracy and validity of the debt and record keeping practices.

2- Lack of Legally Binding Documentation : The provided invoice and summary letter do not constitute adequate proof of debt, as they lack my signature or other legally binding evidence of my contractual obligations.

To ensure the accuracy and legitimacy of this reported debt due to the inconsistent documentation, I respectfully request that CFPB require National Credit Systems , Inc. to provide the following : A- Original Signed Lease Agreement or Certified Copy : A complete, signed copy of the original lease agreement, clearly indicating my legal obligations as they relate to the alleged debt.

B- Full Payment Ledger : A comprehensive ledger of payments and charges, supported by original documentation, accurately reflecting the claimed balance.

C- Notice of Lease Termination or Relevant Signed Agreement : Any formal signed notice regarding the terms of my lease termination Invoices or generic account statements alone are insufficient, as they do not substantiate my legal obligation to pay, and may be generated by anyone without confirming my formal agreement or acknowledgment.

Given the inconsistencies and lack of proper documentation provided thus far, I request that CFPB carefully review this matter and, if National Credit Systems , Inc. can not furnish the requested documentation, remove the debt from my credit report.

Thank you for your attention to this matter. I look forward to your prompt response and am available to provide any further information necessary to resolve this dispute.
Consumer complaint received 2024-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (NC)

I completed and was approved a modification around XXXX of XXXX. The final paperwork was mailed per the mortage holder but l didnt recieve it before the deadline. I was then denied. I was told to appeal which l did and was also denied. Tried 2 more times which l was denied.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

I was charged {$2.00} fee for a statement. The customer service representive would not waive this fee. I did not authorize this fee to be charged to my account. This fee is ridiculous and should be outlawed. Any customer that has a credit card should not have to pay a fee to receive a statement. The credit card company makes enough profit on interest to send statements at no charge. I know of no other credit card company that charges a fee for a statement. This complaint should be forwarded to the department of justice. for further investigation into this unlawful activity.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was in the market for purchasing a car. 
3 inquiries were made on my credit report For the same reason on the same day.

Yet my credit score took a drop in score for each inquiry. If i am correct, when its in a certain time frame it only counts as on hit. Which raised my inquiry total as well which also drop my score.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I recently made a payment of {$600.00} and that amount was from all the past due payments that I have previously missed. I eventually got caught up on all my XXXX XXXX payments and stopped missing payments that were due. I am now caught up on all my XXXX XXXX. I would appreciate if those late payments that are on my credit report could get removed, having those late payments on my credit report is preventing me from boosting my XXXXredit score.

In accordance with 15 USC 1666 ( b )
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have multiple accounts reporting on my credit reports, I'm a victim of identity theft, I have filed a identity theft report, a police report and send in my verification documents and these accounts have not been blocked from my credit report.

I need these items removed from my credit report immediately.
Consumer complaint received 2024-08-24
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 recently received a copy of my credit report and I noticed I had a fraudulent account on my credit report. Please remove this fraudulent account from my credit report, this fraudulent account is hurting my ability to obtain credit and buy a home.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had XXXX cars purchased under my name fraudulently without my knowledge or permission and the XXXX bureaus keep saying verified refusing to remove even after Ive spent hours on phone explaining these are fraud XXXX loans with XXXX {$96000.00} and {$180000.00} and the XXXX with XXXX  XXXX XXXX for {$87000.00} this is illegal for them to report and not remove my reputation my name my good standing in the community and my rights to a good job are being prevented all bc of their inadequate actions to remove these XXXX accounts