davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I called the company on XX/XX/2020 to find out why there was a balance on my account when I paid my last bill of {$41.00} in full on the due date. The representative I spoke with said yes I did pay on time. However, I was still charged $ XXXX. I am not understanding why I am charged a fee if my bill was paid on time. I asked for fee to be waived since I did pay the bill on time even though my money is low due to Covid and furloughed. The representative told me no. This is horrible business because the balance on the account is all from company fees and not actually items purchased.
Consumer complaint received 2022-06-15
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. (NC)

In accordance with the Fair Credit Reporting act XXXX 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 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (NY)

I came into the dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX. 

I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put XXXX XXXX down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX-XXXX. He assured me this was the process. 

Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. 

After coming home with the car I have found my credit was pulled by over 5 banks ( Chrysler Capital , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX ) without my permission. 

These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. 

This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 

I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, They failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms. 

I kindly request that the CFPB instruct this agency to conduct a thorough and reasonable investigation into the disputed information and provide me with a written response within the stipulated time frame. Additionally, I request that the inaccurate information be promptly removed from my credit report due to my rights being violated and sending multiple disputes in the past with no resolution.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (NM)

I gave the company a date when payment would be made and they continue to call over 10 times a day to get payment. I am trying to work and can't have my phone constantly ringing from this company trying to get a payment when I already told them when that payment would be made. Today I have had 12 missed calls since XXXX and it's only XX/XX/XXXX. I don't appreciate the harassment and disregard for people trying to earn a living during these times.
Consumer complaint received 2020-09-09
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. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Sent in dispute letter on XX/XX/2020 to get name, inquiries and incorrect info verified and disputed but never received correspondence from bureau. Utility bill and identification was sent with paperwork for verification
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

I was hired by a company on Tuesday XX/XX/2019contingent on my background check screening. My background check was completed on Friday XXXX19. My start date was Tuesday XX/XX/XXXX. I was in orientation until about XXXX when I was then pulled out of conference room by Human Resources. I was sent to the Director of HR 's office and was told by the Director of Human Resources that the company  had to Part ways with me and was handed a check for the day. I then asked why I was being fired and the Director stated my background check reflects I have 4 previous XXXX 's, which is False. I do NOT have 4 XXXX 's. The report is incorrect and I told her that and I also asked why they are telling me this now when the report was completed on Friday as I got an email stating the report was completed. She stated that she wasn't there on Friday to retrieve the report and then she showed me the report and I told her that the information reporting on the background check report was incorrect. She didn't give me a chance to explain or prove myself, instead I was escorted out by HR. It was humiliating and embarrassing beyond words. When I got home I went online and obtained a Driving Record report from the CA DMV 's website along with proof that I am XXXX XXXX XXXX  Approved and I explained to her that I had to interview with XXXX and was finger printed and their background check is ran through the FBI 's database and that I was cleared and approved. I then emailed my supporting documentation to the Director of Human Resources and told her she made a mistake on reading the report and not giving me a chance to explain myself. I also texted message the hiring manager letting her know what happened because I really liked her and was excited to work there. The next day on XXXX19 the hiring manager messaged me back stating that she would talk to the Director to bring me back on board.That morning the Director of HR left me a voicemail stating she wanted to bring me back on board, but at that point I was so humiliated that I was not going to go back. I feel like I wasn't given the opportunity to prove myself at all. Her mind was made up as she had my check printed out already. I feel I was treated very unfair and was profiled and humiliated on my first day of employment.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I mailed a correspondence ( attached below ) that indicated the debt accused needed to be verified with legal confirmation in order to be reported to my credit. 

They claim debt was verified but none of the standards of verification were submitted to me. 

I have the original letter and the follow through from Experian letting me know that the in appropriate item would not be removed from my report.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8 and 9 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

XXXX XXXXXXXX bank I have not applied for this credit card very confused on why the date of the inquiry is XX/XX/XXXX also this account is not on my XXXX or Experian credit report. 

Both XXXX card services didn't know what this card service is and definitely haven't applied for the services in over two years. Also this account is not on my XXXX credit report. 

XXXX account has two different dates XXXX report XX/XX/XXXX, Experian XX/XX/XXXX, and also not on my XXXX credit report. 

XXXX  account is only my Experian credit report. It is not reported on XXXX or XXXX report. 

XXXX was a credit card that I had however I paid off the account and its a closed account. Not sure why its only on my Experian credit report and also why its a hard inquiry.
Consumer complaint received 2024-10-22
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)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX, an student loan account opened at XXXX Department of Education XXXX XX/XX/XXXX under account number XXXX, an utility account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, Fraudulent names also listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and address have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (GA)

Fraudulent accounts were opened using my identity. Delete these fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX My social is XXXX date of birth XX/XX/XXXX Companies listed below are reporting accounts obtained thru identity theft SANTANDER BANK XXXX XXXX XXXX XXXX SANTANDER BANK XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

I have contacted SYNCB/PPC via phone and fax about this account. I have asked them to send me something with my signature on it. I have sent them old police reports etc. THEY refuse to remove this. They have sent this to some collection company. THIS IS BAD. THEY ARE BREAKING LAWS. ' I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE.
Consumer complaint received 2020-07-21
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: Experian Information Solutions Inc. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

We have had nothing but trouble with Specialized Loan Servicing LLC. Every time we received a phone call from them we got a different story. We were told we were current, then another phone call we were 60 or 90 days behind. We set up an online account to pay our monthly mortgage then XX/XX/XXXX we were locked out of our online account, they refused to take payments, So XX/XX/XXXX we purchased a money order from our Post Office, a week later we spoke to a lady XXXX claiming they did not receive that payment, we had that money order traced by our post office &  we have proof that it was made out to Specialized Loan Servicing & was cashed by XXXX XXXX, we never had XXXX XXXX as a mortgage company. We sent Teller XXXX an email of the traced money order & that it was cashed & she never responded back to us. XX/XX/XXXX they refused our payment by phone & informed us we had to make @ least two payments, but then take a XX/XX/XXXX phone payment which we have proof, On XX/XX/XXXX, we spoke to a XXXX who informed us our new payment was {$670.00} & change we informed her we never recieved any notice of any change, we then asked to speak to a supervisor, so XXXX from Arizona informed us we were current as of XX/XX/XXXX, & need to focus on the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX that none of those payments a year ago cleared our checking account & we have all our bank statements proving they did, that day we wanted to make a payment & she refused our payment unless we paid two payments & then said no four payments. We can't get anywhere with this mortgage company, monies have cleared our account & is definately not being applied to our mortgage. We have asked for a qualified complete payment history that they were supposed to mail to us & we have never recieved, we also asked for monthly mortgage statements mailed to us which we don't get either. We have been stressed beyond over this but we have not gotten anywhere with them. By them refusing our payments is putting us in default & lowering our credit score. WE DO NOT WAN NA LOSE OUR HOME, we really feel we  are being frauded.
Consumer complaint received 2019-05-22
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. (TN)

XXXX  and Transunion are reporting incorrectly that I am 60 days past due on the XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the  attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-05-17
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020, I mailed a letter to Experian in regards to accounts listed on my credit report. I wanted Experian to verify the listed accounts below. 
XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXX Massachusetts XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account Being that I had not heard from Experian so on XX/XX/2020, I mailed a No Response Letter asking for deletions of said accounts. Additionally, I mailed a new letter on the same day asking for vertifications of the accounts listed below. 

XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account As of XX/XX/2020, I still have not received any correspondence from Experian regarding both letters mailed to their office.
Consumer complaint received 2022-06-15
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. (OR)

In accordance with the Fair Credit Reporting Act U.S. DEPARTMENT OF EDUCATION 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 2023-03-23
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: MUTUAL OF OMAHA MORTGAGE, LLC (AL)

Mutual of Omaha Mortgage , Inc. deliberately with malicious and intimidation sent us written correspondence that our VA Mortgage Loan had been delinquent and in jeopardy. We contacted our VA Home Loan Counselor through written and verbal conversation by phone to confirm and verify that our VA Home Loan was in good standing. That was by phone on XX/XX/. We later found out that they had records of our mortgage loan payments, and no default was found or posted against our loan. We have never missed a payment with this company. Mutual of Omaha Mortgage , Inc stated that they would make sure that our credit rating was going to be affected. Our problem with Mutual of Omaha Mortgage , Inc did not involve the mortgage loan payments at all, it was an escrow account shortage, and they use this to report the negative and derogatory information pertaining to our creditworthiness and more.