davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-24
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida   DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC XXXX XXXXXXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

In XX/XX/2022, we ordered XXXX mattresses from Macy 's. We opened a Macy 's credit card for this purpose and so we could get the advertised special financing deal of 12 months no interest. The details of the purchase and the financing were confirmed by phone with a Macy 's customer service representative. The total purchase was approximately {$800.00}. The mattresses arrived in XXXX and the first bill arrived in XXXX. The bill required us to pay the entire amount in full otherwise interest would be incurred and made no mention of the special financing deal. I called Macy 's in XXXX and they told me they would fix the issue and in the meantime I " didn't need to worry. '' I was still concerned so I calculated the minimum payment myself and made it ( because a XXXX payment was required ). Now, I have received the XXXX statement, which does display the indicator of special financing, demonstrates the deferred interest to date, but still has me paying a minimum of {$29.00} on {$680.00} owed. It doesn't calculate the actual minimum payment to be paid per month to avoid interest. If I was to pay {$29.00}, I would certainly incur interest. Normally with these programs, the minimum payment that a consumer must pay not to incur interest is calculated and clearly disclosed to the consumer but no such disclosure has been made by Macy 's. Rather, Macy 's is counting on consumers either paying too little and incurring interest or paying the entire amount out of a concern of incurring interest. I called Macy 's on XX/XX/2022 regarding this issue and they advised me that what I was seeing is correct and that they " didn't have the ability to manually adjust customer accounts to show individual minimum monthly payments. '' I was told over the phone to pay {$69.00} per month for the remaining 10 months to avoid interest, which is {$40.00} per month more than their provided minimum payment. This issue must be addressed immediately as Macy 's is constantly running these special promotions and doubtless duping thousands of customers.
Consumer complaint received 2019-10-24
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been dealing with Capital One since XX/XX/XXXX when my account was hacked for XXXX. A new card was sent out to XXXX, New York after I informed Capital One that they should make no changes without notifying me. This happened 5 more times and I finally closed the account with a balance. I never had issues before with fraud and asked if it was an inside job. Later to find out on the news that an employee hacked several accounts. Capital One took over Walmart and now that card has been hacked and after talking on the phone with Capital Ones Fraud Department for over an hour last night XX/XX/XXXX this morning I get an alert that my new card will be sent to XXXX, New York. I have alerts on my credit reports and only experiencing this with Capital One.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Experian Is Not Reporting all my Credit Cards or Credit History in the Open Trade Lines of Credit Reporting. Over two months ago I was added as an authorized user of XXXX XXXX  XXXX card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year XXXX XXXX and another XXXX XXXX XXXX with a 4 year credit history. I need ALL of these cards reported to my Experian Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my Experian Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need Experian to report these Lines of Credit that I am an authorized user IMMEDIATELY!
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : UNAUTHORIZED INQUIRIES & PERSONAL INFORMATION PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXX : INQUIRY DATE : XXXX XXXX PULL INQUIRY DATE : XXXX XXXX XXXX, XXXX XXXX INQUIRY DATE : XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE XXXX THE FOLLOWING ADDRESSES ARE INCORRECT PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX FOLLOWING INQUIRIES AND PERSONAL INFORMATION ABOVE ARE INACCURATE, AND I DIDNT GIVE THESE FOLLOWING COMPANIES AUTHORIZATION TO ACCESS MY CREDIT REPORTS FOR THIS REASON. BY LAW SECTION 604 15 U.S CODE 1681 B STATES THAT CREDIT REPORT AGENCIES, DONT HAVE THE RIGHT TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT A WRITTEN CONSENT FROM ME. BY LAW SECTION 605 A 15 U.S CODE 1681 C-1 STATES NO CONSENT FOR THESE INQUIRIES WHICH MEANS IDENTIFY THEFT. BY LAW SECTION 605 B 15 U.S CODE 1681 C-2 STATES THAT IF CREDIT AGENCIES ARE NOTIFIED ON SOMETHING ON YOUR CREDIT REPORT THAT RESULTS FROM IDENTITY WHICH MEANS THAT I DIDN'T GIVE CONSENT ONCE AGAIN TO THIS. 

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT REFLECTING THE ABOVE CHANGES!!!
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 

***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
Consumer complaint received 2019-10-24
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. (CA)

Dear CFPB, I tried to fix an abusive and incorrect information that Equifax and XXXX  XXXX XXXX is reporting the account ending in XXXX XXXXXXXX as Charge-off. Debt included in or discharged through Bankruptcy Chapter XXXX on XX/XX/XXXX. The limnit was XXXX, and highest balance was {$11000.00}. 
On Equifax I can see that : Balance {$11000.00} Credit Limit {$7500.00} Available Credit $ -XXXX ( How is possible to have negative availability when my dept wast discharged through Bankruptcy Chapter XXXX by Court of Law on XX/XX/XXXX? I never heard about that some/ or an institution to be above Law? 

The Equifax updated my report with the above account on XX/XX/XXXX as Charge-off. In my humble opinion I believe that are they trying to overrule a Federal Law and to reinstall an account that was closed many years ago and included in Bankruptcy. 

My Info Regarding Bankruptcy : US BKPT CT CA XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX Court US BKPT CT CA XXXX XXXX  Contact Info of : XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Equifax info : XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I believe the above account was closed back in XXXX-XXXX and for sure the dept was included and discharged through Bankruptcy and any dept was dissolved and approved by Court of Law back on XX/XX/XXXX. By Law I owe {$0.00} to anyone and nothing negative should be reported as negative on my credit report. 

It's impossible that to have bad debt and to be placed for collection and updated on XX/XX/XXXX with a past due amount of {$11000.00} when the amount should be {$0.00}!
Consumer complaint received 2021-04-04
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. (FL)

On my credit file I have fraudulent accounts that I want to get verified with copy of the original contract, signature and any other evidence to confirm the account is valid, if the company can't provide the solicited documents I want to get the fraudulent accounts removed from my credit file under section XXXX. 

Experian Won't process my dispute online appears this message : Dispute Can't Be Processed Online For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you. 

XXXX Mon - Fri : XXXX - XXXX The fraudulent accounts that I want to get investigated under the section XXXX are : Account NameXXXX XXXX  Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX Account NameXXXX XXXX XXXX  Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 

Account NameXXXX XXXX Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$1000.00} past due as of XX/XX/XXXX. 

Account NameXXXX XXXX Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date XXXX Account NameXXXX XXXX XXXX XXXX  Account XXXX Account TypeXXXX ResponsibilityIndividual Date XXXX StatusPaid, Closed. 

Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeXXXX  ResponsibilityIndividual Date XXXX StatusPaid, Closed. 

Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeXXXX ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedApr XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeXXXX ResponsibilityIndividual Date XXXX StatusOpen/Never late. 
Status UpdatedXXXX XXXXXXXX Balance {$8800.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$8500.00} Highest Balance {$0.00} XXXX Months Account NameXXXX XXXX XXXX Account XXXX Account TypeXXXX ResponsibilityIndividual Date XXXX StatusOpen/Never late. 
Status UpdatedXXXX XXXXXXXX Balance {$3700.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$3300.00} Highest Balance {$0.00} XXXX Months
Consumer complaint received 2019-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

I lost my job in XXXX and I applied for assistance with my mortgage company Ocwen and was denied my loan feel behind and I had it reinstated in XX/XX/XXXX of this year. Ocwen was sold to PHH Mortgage and my loan is behind and I called to get a reinstatement quote and was referred to the attorney handling the foreclosure and was told that it was just sent over to them that day this was on XX/XX/2019. I called the attorney 's office and their voice mail said that I neede to email them so I did. I sent them my original email on XX/XX/2019, I got no response so I sent a follow-up email on XX/XX/2019, and finally got a response on XX/XX/2019, saying that they do not have my loan in their office they have a closed file from XX/XX/XXXX of this year. Now when I try to contact PHH thier phone system says due to technical difficulties they can not connect me with customer service. I have not received any paperwork on the forclosure, nor do they seem to want to resolve the issue with me or help me out in any way. I want to get my loan reinstated.
Consumer complaint received 2022-12-20
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. (GA)

HIS IS NOT A DUPLICATE COMPLIANT but resubmission, PLEASE SEND TOTAL AMOUNT PAID BY THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HOME ADDRESS : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX WE ARE AWARE OF THE XXXX XXXX XXXX, WHOM YOUR FRIM CLOSELY WORKS WITH DUE TO YOUR CLOSE RELATIONSHIPS. HE DID RECEIVE PAYMENTS FROM XXXX XXXX  FOR THE PURPOSE OF SECURING YOUR FIRM TO ATTEMPT TO STEAL THE PROPERTY FOR THE PURPOSE OF COVERING UP THE EXCESSIVE FRAUDLENT LOANS. THIS HOUSE DID NOT RECEIVE A LOAN, WE WERE NOTIFIED BY A FEDERAL AUTHORITY REGARD ID THEFT AND FRAUD. PLEASE PROVIDE THE CORRECT AMOUNT IN ORDER TO CROSS REFERENCE THE AMOUNT PROVIDED TO US VIA PHONE. THERE IS NO BALANCE ON THIS HOME AND OUR MONEY WAS STOLEN, NO DOCUMENTS SIGNED, AS STATED, SUPPORTED DOCUMENTATION CAME FROM YOUR MORTGAGE COMPANY, YOUR CLIENT HAS ENGAGED IN EXCESSIVE CRIMINAL ACTIVITY AND APPEARS TO SERVE AS AN ACCESSORY TO MORTGAGE FRAUD, TITLE AND DEED THEFT, WHICH WAS ALL FRAUDULENT, FROM ORIGINATION ( FRAUD ). WE KNOW HOW MUCH MONEY WAS DISPERSED AMOUNT MANY OF YOU! O/T TRY TO MANIPULATE THE NUMBERS AS THE INFOMRATION IS FROM YOUR CLIENT! THESE ARE JUST A FEW CRIMINAL ACTIVITIES YOUR COMPANY HAS ENGAGED IN. LASTLY, WE CAN CARE LESS REGARDING YOUR FIRM REPRESENTING XXXX XXXX XXXX, XXXX, XXXX OR WHOEVER, WE DO EXPECT OUR REQUEST TO BE COMPLETED IMMEDIATELY AS WE CONTINOUSLY STATE WE ARE HOLDING THE TRUTH IN SEVERAL PLACES, NO RETAILIATION WILL BE TOLERATED. REMEMBER, YOUR CLIENT TRIED THAT APPROACH, BUT GOD DID NOT LET IT TAKE PLACE! 

addendum, to the resubmission 1. ATTACHED MERS REPORTS ATTACHED TO OWN NAMES AS IF WE OWNED ALL OF THE LISTED PROPERTIES. IN ADDITION, THESE ARE SUBSIDARIES OF XXXX? 


2, WHO'S MORTGAGE IS THIS. FOUND ADDITIONAL INFORMATION XXXX XXXX, XXXX WAS THE OWBER OF XXXX XXXX XXXX XXXX JUST RECENTLY DIED AND BURIED NEAR THIS HOME????, OMG! NOT COINCIDENCE! 
ATTACHED HOMETRY REPORT AND OBTIUARY/
Consumer complaint received 2019-10-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received an offer from the XXXX XXXX division of Bank of America on XX/XX/19 which had the following for the offer terms : Fund your account with at least $ XXXXXX within 45 days of the date of this letter and maintain a qualifying balance of at least that amount or greater for 12 months from the date of the deposit. We will deposit your cash reward of $ XXXXXX within two weeks of that date. 

When I checked with my contact at XXXX XXXX on the status of my cash bonus, I was told I was to get the cash bonus in 1 year, not 2 weeks. This offer was very misleading. It should have been checked by compliance. The end of the first bullet should have been clearer with something such as We will deposit your cash reward of XXXXXX within two weeks of the 1-year anniversary of the account opening date. I agreed verbally to maintaining the required balance in the accounts for 1 year+ to earn the bonus which is different than agreeing to get the bonus in 1 year. 

XXXX XXXX had XXXXXX investigate my issue. He said there is nothing they can do about the cash bonus and gave no explanation for the wording of the offer. He said if there was something wrong with the wording, maybe compliance would change it.
Consumer complaint received 2019-10-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NY)

Currently paying around {$500.00} per month for the past 3 or more years. My loan has a co-signer my dad who has since become XXXX. The 3 loans are in forbearance as Im still attending school. I have never missed a payment yet the principle on the loans keep rising and Ive sent them thousands upon thousands of dollars What is the company sallie Mae doing with the money I have sent them for over 3 years, as the saw and n television the other night they are vacationing in Hawaii on my money. I contacted them about 1 year ago because they told me when Im out of school my payments would be over {$1000.00} per month which is impossible for me to make and was told that was how much I had to pay like it or not. I would like to know where all my monies paid have gone towards as I feel like I Am dealing with a loan shark and I would also like to switch companies to one which will accept my $ XXXX monthly payment as that is what I can afford. Sallie Mae is horrible to deal with. Please help
Consumer complaint received 2019-10-24
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: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

During the. Of time between XXXX and XXXX of this year SchoolsFirst continues to close and display negative information on my credit accounts stems from unauthorized charges by what looks like my ex girlfriend. SchoolsFirst violates the fcra set in place to protect consumers who are victims of identity theft and fraud and should honor all rules and regulations set forth tllby the cpfb re the manor
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Over the last 3 months I submitted and sent in numerous dispute investigations to XXXX, Transunion, and XXXX about the inaccurate and false accounts that I allegedly owe. All agency tell me that they contacted the collector and it is verified. I asked numeroud of times to send me actual documented ( Signed ) proof of these alleged accounts and they never do. Per the FCRA if the disputed accounts are not properly investigated with documented proof of my signature and data the it MUST BE DELETED!! ALL AGENCIES FAILED TO COMPLY. 
Below are the accounts i filed for disputed and that were inaccurately investigated : TransUnion : XXXX XXXX XXXX {$550.00} XXXX XXXX  {$220.00} XXXX : XXXX XXXX {$1800.00} XXXX XXXX {$550.00} XXXX : XXXX XXXX   {$1800.00} XXXX XXXX XXXX  {$550.00} XXXX XXXX {$220.00} The above accounts were NOT VERIFIED CORRECTLY. Per the FCRA they can not verify consumers accounts by the collectors saying its accurate, VALID PROOF should have been investigated then they would have realized these accounts ARE NOT MINE. My next step is to file legal actions against the 3 agencies, i am a litigious consumer and i have all rights to fight for this.
Consumer complaint received 2020-11-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

This company sued me without any evidence of this debt and after continued to harass me to collect on a wrongful amount that I didnt owe. I have successfully removed them from two credit reporting and will continue to try to remove them from the final.
Consumer complaint received 2022-05-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello I submitted a dispute with the bureaus about a closed XXXX  XXXX XXXX XXXX  that have late payments on them and a repo which is in accurate and unverifiable and even sent them proof that the payments they are reporting late are inaccurate i paid those months they are reporting late and they are also saying i had a repo which is not correct. I disputed with them asking them to submit the method on how this information was verified but they sent me no information. i will attach the letters i sent and also my bank statement from those months they claim i was late. 
XX/XX/XXXX i made a payment of {$350.00} for XXXX payment, XX/XX/XXXX I made a payment of XXXX for XXXX payment and on XX/XX/XXXX i made a payment of XXXX these payments were made on time and taken out of my bank account i don't know why the three bureaus still have that i was late and a repo when i was never late or got my car repo on this account. please help me fix this
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC (ID)

Sequium Asset Solutions is reporting an account on my credit file that needs to be removed. I recently checked my credit and noticed this debt reporting for a XXXX bill I had. I never received a 30 day right to dispute or any calls from them regarding this debt. As soon as I found out I paid this debt! However, they are in violation of my 30 day right to dispute under the FCRA and the FDCPA. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.