davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

I am trying to request some statements and credit card agreement from XXXX XXXX ( Comenity Bank ). However, I am told that they are unable to mail me my credit card agreement because they are no longer my lender. I've tried requesting twice via phone on XX/XX/2021. I made a call at XXXX and I tried again at XXXX. 

According to CFPB, " By law, the issuer must make your agreement available to you upon request. If you are having trouble getting your agreement, let us know by submitting a complaint. '' For this reason, I am submitting a complaint.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have tried to get this late payment off my credit from Equifax, XXXX, and XXXX. I have not been successful. 

I have received this letter from the creditor ( XXXX ) showing that they should remove the late notation and to make it " current ''. 

This is in regard to account # XXXX  # XXXX Please help me get this removed.
Consumer complaint received 2020-08-18
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 — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (TX)

XXXX XXXX Company did NOT send the Statement on XX/XX/XXXX for XX/XX/XXXX payment, we received the statement until XX/XX/XXXX, check was sent for XX/XX/XXXX and XX/XX/XXXX, check was cleared for both months on XX/XX/XXXX but they reported it as late payment, both my wife and I have had EXCEPTIONAL credit, now both credit scores are affected. 

XX/XX/XXXX XXXX went on Bankruptcy, we found out on late XX/XX/XXXX. Was until XX/XX/XXXX in the process of refinancing we found out that this report was done, could not get in touch with XXXX, had followed up multiple times with Shellpoint Mortgage Services who purchased our loan by telephone, via email, and certified letters, two previous complaints filled with CFPB, more then 30 days passed and now the latest response from Shellpoint dated XX/XX/XXXX states they need additional time when is already more than two months we still waiting for. We can NOT give Shellpoint Mortgage Services more time. 

XXXX  can not be contacted since telephone is no longer in service, I contacted on XX/XX/XXXX via certified mail XXXX at XXXX XXXX XXXX XXXX, PA XXXX the address provided by Shellpoint Mortgage Services and no response, they do not answer the listed telephone as XXXX in XXXX XXXX Minnesota so my letter came back yesterday XX/XX/XXXX.
Consumer complaint received 2020-08-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (GA)

This was an account that was t XXXX XXXX, and appear that it was sold to Santander Bank, when I filed a Chapter XXXX Bankruptcy, they tried to collect a balance that was fraudulently as this was paid in full.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MS)

On XX/XX/XXXX XXXX XXXX charged {$25.00} for medical visit at XXXX XXXX. On XX/XX/XXXX he charged {$480.00} at XXXX XXXX. On XX/XX/XXXX he charged {$10000.00} at XXXX XXXX XXXX law firm. Prior to our separation XX/XX/XXXX. XXXX told me that he did not have access to my Citi account. I was surprised to see these charges. I did report this to Citi. I also filed an identity theft report with the Federal Trade Commission the day I learned he posed as me to try and gain access to my Been Verified account. My attorney also sent an email communication attached to XXXX XXXX law firm on XX/XX/XXXX notifying of the transaction- " XXXX, Your client is impersonating my client and attempting to access his personal accounts and also making unauthorized charges on his credit cards. One appears to be a XXXX charge to possibly your firm which my client will dispute. Please advise your client accordingly. XXXX ''. Attached you can find the invoice charged at that point was only {$1100.00} of the {$10000.00}. At the the firm could have returned {$8800.00} to the card. This communication and the invoice are attached.
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AL)

Credence Resource Manage at XXXX XXXX XXXX XXXX, XXXX Texas, XXXX has been sending me collection notices in the amount of XXXX. The collection has been listed as past due. I do not know this company. I have never done business with this company. This compliant does not have a contract with my signature on it.
Consumer complaint received 2020-08-26
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I sent a letter to Chex Systems to dispute the following unpaid fraudulent account listed on my Consumer Report ID : XXXX, XXXX XXXX XXXX. The unpaid XXXX XXXX XXXX account is fraudulent and not my account. I never applied for or had a checking account with XXXX XXXX XXXX.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Mortgage customer send payment for mortgage on XXXX to Bank of America from my XXXX online account XXXX  shows proof of delivery on XXXX for XXXX Tried calling Bank of America countless times call wait times average 90 min to 1 hour Need to get status on payment being processed
Consumer complaint received 2020-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have been attempting to get this account taken care of with Portfolio Recovery. I have requested debt validation on numerous occasions and all I have received is the same one statement over and over again. But they have never sent me the information I requested. Please see below : Please provide me with the following information : 1. Full accounting for this account 2. Copy of assignment of purchase from the original creditor. 
3. Every charge and what was purchased from the creditor.

4. How you calculated what you claim I owe.

5. Full chain of assignments from charge off to present.

6. Proof that you own the debt with full and clear title. 7. P roof that you were on the original contract I have requested this information on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Today I sent a demand letter for this account to be removed since they have continuously failed to validate the debt.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$680.00} XXXX  XXXX  XXXX {$420.00} XXXX/XXXX  XXXX {$800.00} XXXX XXXX  XXXX {$120.00}
Consumer complaint received 2019-10-24
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: Experian Information Solutions Inc. (NC)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2022-06-28
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

There is a fraudulent collection account reporting on my credit. I DONT HAVE DEBT FROM XXXX UNIVERSITY. Upon contacting XXXX university, they have someone else 's name linked to my social, and they are continuing to report this debt even though its NOT MINE. I have filed a dispute with the bureaus and attached a police report and a federal trade commission report and despite my assertations that this debt/loan was taken out under false pretenses using my social and someone else 's name, they are continuing to report this account.
Consumer complaint received 2022-04-19
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. (NY)

XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX  docket # XXXX XXXX  XXXX BANKRUPTCY DISCHARGED XX/XX/XXXX inquires requested on XXXX XXXX XX/XX/XXXX inquires Requested On XXXX  XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act 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 instructions
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Southwest Business Corporation (WY)

I called the mortgage company two days after closing on my property to update my address so they could send me a check for the amount due back to me of {$1500.00}. After a month and a half of not receiving payment I called again and was told there was no record that I had called in and the check was returned because it was sent to my old address. I then updated my address again and was told I would receive the check within two weeks. After two weeks I called again last night and was told it would be a month before they would send the check. After I complained I was told the manager would call me first thing in the morning and they would overnight a check to me. After no call this morning I called and was told they would need 24 more hours before a manager could call me. Finally I was able to speak to a customer service manager but she said she could not send the check until the Escrow Department could stop the original check and then rerelase the funds which could take a day or two and she would mail the check so it would take 7-10 days. We are going on three months since I closed on my house and I get a different  story every time I call in.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXXF Date of Inquiry XX/XX/year>
Consumer complaint received 2020-08-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd. (TX)

Cash Store on XXXX XXXX XXXX XXXX XXXX, TX XXXX. In this company if you can't make a payment or renew your account you are then stealing there money!! XXXX XX/XX/2020 my Mom received a very rude call from this company saying she has not honor her agreement, and stealing from them too. Also, threaten to take her to court!! She made agreements with this store location that she would make a payment when she could to pay it off completely. When she is done with this process she can never get a another loan from them again. Which I explained to her with her phone on speaker so we all could her the agreement. Have not received a letter from the company about one thing or another. Then she is receiving calls from said company main office and very rude, loud, disrespectful call asking about the money she owes. With so many scammers over the phone how does she know who is calling her? They use different numbers all time and don't always identify themselves clearing who they are either. Why can't they get the agreement from the store and it employee who agreed to it? Why is there constant calls about the same thing over and over. This is still in the month the agreement was made in the first week of XXXX!!!! How can they not understand that if she could be it on time she would?! Also, not her first time getting a loan from this company!!! They need to learn how to approach people better especially when struggling to pay all bills in this time frame.Everyone is trying there very best to pay bills, put food on the table, and a job done. What does adding on more pressure do for this company and people who took out a loan? Is this company going to also blame other consumers for loosing there jobs, extra mouths to feed, or hours cut short?!!! Our they also going to threaten every single person who doesn't or can't pay a loan from them? Is this the natural standard and practice of Cash Store company? Who wants to be talked down to like a child? Threaten? Insulted to pay money you don't have at the moment in time? Can't make payment agreements to the Cash Store because you not sure if money is coming in? Who would ever want to renew or receive a loan of any kind from this location or company again?! Not ever again no matter how much it might helped or helps us!!!!! Thank You, for your time to read this complaint about your very rude and disrespectful staff that you have hired for Cash Store! Good Day!
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint is NOT a dispute about information on my credit. Its is about their internal practices that allow unauthorized access to my credit file despite me having a security that is PIN protected. I would like to report a crime ring involving XXXX XXXX and Transunion. XXXX XXXX, XXXX XXXX XXXX, TX has XXXX area properties. I have proof that this company allows residents to use fake and fraudulent information to rent apartments. In collusion with Transunion, individuals are able to rent apartments on someone elses name. Transunion allows credit checks and rental screenings from properties that have subscribed to their rental screening service to have access to credit files that are protected by the consumer requested security freeze. This false pretenses and ID theft has negatively affected my credit and should not be tolerated. Both XXXX XXXX and Transunion should be investigated for these crimes. Victims like me are unable to receive relief from local law enforcement, and these companies are taking advantage of it. Dates of these transactions are XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2020-08-27
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: Experian Information Solutions Inc. (CA)

There two fraudulent accounts that Experian is currently reporting on my credit file.One is XXXX Account number XXXX Credit limit {$6100.00} Balance {$000.00}. The other one is XXXX XXXX XXXX XXXX XXXX limit {$6000.00} Balance {$000.00} Both accounts are closed. I dont own these accounts I believe that those accounts are due to fraud. I have contacted Experian several times asking them to block those two accounts and or remove them from my credit file, since the accounts are due to fraud. Unfortunately Experian is not responding properly I have been asked by Experian to upload supporting documents on their website which I did several times, after each upload I call Experian to get confirmation but theyre keep telling me that either the upload was not successful or its only been uploaded partially. After unsuccessful uploads I did certified mail, After several mails they have finally confirmed receipt of documents. However those two accounts are still reporting on my file and Experian is not giving me a relevant answer why are those accounts can not be removed or blocked.
Consumer complaint received 2024-10-15
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. (OH)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2020-08-26
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 — Problem with personal statement of dispute
Company: OPORTUN FINANCIAL CORPORATION (NJ)

I made a payment on my account on XX/XX/2020 and my last payment XX/XX/2020 and this company is stating I was 34 days late, which is absolutely false. I spoke with a representative XX/XX/2020 and he confirmed two payments for XXXX and XXXX, and also stated my account would be updated to reflect no late payments within 24-48 hours with the credit bureaus. That is currently not the case and now Im being told it could take 30-45 days to update. Im in the middle of obtaining loans and its their fault my report is displaying incorrectly. So I would like my accounts updated immediately with the credit bureaus. Not 30-45 days from now.
Consumer complaint received 2022-06-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (MO)

On XX/XX/XXXX I XXXX XXXX went to pay my title loan to Title Max in XXXX Missouri at said time the manager of the XXXX XXXX location was very unprofessional and using scare tactics in an attempt to get me to pay more as unfortunately I was only 12 days late on my payment of {$280.00} due on the XXXX, she said I have 3 choices, 1. Voluntary surrender vehicle, 2. Borrow Money from family, 3. Pay off entire loan now. She even got her manager on the phone to be little me and I'm of XXXX and felt discriminated against, they refused to listen to my spouse XXXX XXXX who actually was the person paying the payment and he advised them what Missouri law was on this and they refused to listen even telling him to leave when he is our family bread winner and the payment is on his card! All he said clearly to branch Manager was we will only be making the {$280.00} payment for the contract amount due and pursuant to Mo Law u can not repo vehicle without 1st sending us a " Right to Cure '' and payment being over 20 days late which it was NOT! Both Branch Manager and her boss the District Supervisor, we're threatening and using unlawful scare tactics trying to make me pay more since I was unfortunately late! Title Max XXXX XXXX XXXX Missouri needs better training and coaching and I feel discrimination occured based off my XXXX! I made my payment and should be able to choose my payment method and not be harassed to pay more than the contract amount of {$280.00} if I don't want too! Lastly my spouse XXXX XXXX should be permitted if I permit to speak on my behalf since we're married and the vehicle is a marital asset, and since he is who is legally making my payment under his checking account! The district Supervisor even instructed the branch Manager to write out a statement on my reciept which was uncalled for and never asked for, these scare tactics are illegal and against the FCRA and Mo laws and discrimination against myself. Payment was made and now payment not due until XX/XX/XXXX which again we will only pay the {$280.00} lastly if my husband isn't permitted to pay on my behalf then title Max must provide an alternate avenue to make payment as he is my spouse and who I put in charge of all my financial payments. Allow my spouse to accompany me anytime I'm in office as I don't feel comfortable after this incident as he knows laws I don't and he protects me from frivolous incidents like this one and we're also filing a complaint with Missouri XXXX XXXX XXXX for investigation of discrimination in a public setting!