davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-21
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: Bread Financial Holdings, Inc. (NY)

How is it possible that an account that was supposed to have been settled with XXXX XXXX XXXX almost three years ago is now appearing on my credit report in collection with a derogatory remark. I consolidated all of my outstanding debt almost three years ago, and have not had anything negative on my credit report since. 

XXXX XXXX XXXX settled my Wayfair credit card account again, almost three years ago. I have not received anything regarding an outstanding balance or owed amount since it was settled. 
Recently I applied for lower rent apartment and was denied due to a derogatory remark on my credit report. I had no idea what this could have been. 

I looked up my credit history and it reads that a Wayfair account was opened XX/XX/2020, and the owed amount is XXXX I never reopened this account, and did not charge this amount of money. 

Apparently another company XXXX took over Wayfair, and does not have record of my closed account from three years ago. Regardless, I never charged XXXX, never reopened this account, nor have never received any notification that I owed anything because as far as I knew this account was closed and settled. 

I called XXXX ( XXXX ) to try to get this corrected, but there was no resolution and they are saying I owe {$4300.00} which is an amount I never charged. I didn't even have a credit limit for this amount from over three years ago. My credit report is reading that I opened this account XXXX XXXX and have not paid in 8 months - this is absolutely not true. 

I can not understand how I finally got out of debt and have been building up my credit for almost three years, then this appears on my credit report from XXXX company. How is this legal. This company prevented me from moving into an affordable apartment with my son. This one company destroyed my credit - how can this be acceptable. I am a single mom who pays my bills and takes care of my son. What gives this company the right to be able to apply this to my credit report??? Even if by chance the debt consolidator did not settle this once account, shouldn't I have received a bill, notice from Wayfair???? I never once received any notification so how is it possible this company is allowed to destroy my credit in a split second when I have spent three years building it up. With COVID and all the negative in this world, I actually had one positive - a potential affordable home, but because XXXX added an account as opened XXXX XXXX stating has not been paid in 8 months I lost my opportunity. Again, I never opened this account XXXX XXXX, nor have I ever owed this amount of money. At this point I do not know if I need to take legal action for ruining my credit, illegal allegations, lost opportunity for a secure home, XXXX XXXX now XXXX. This is really just terrible, and very upsetting. 

I am hoping you can help in getting this resolved. 

Thank you for your time Stay safe XXXX XXXX
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grain Technology, Inc. (NC)

Most recently on XX/XX/22 I contacted grain tech by email which is the company that comes up on my credit report i let them know prior to this already, but thiswas following up and i let them know Ive contacted other bureaus and that this account is fraud / identity theft .. they they wanted me to provide a police report and i did, they responded saying but no evidence was found that would indicate this Grain account was involved in fraudulent or suspicious activity what they said would be incorrect because i didnt know anything about grain prior to reporting to the police or i would have told them plus my identity was stolen with my wallet .. social security card is on the report also ..so the grain company said they wont be further looking into it and i would like some help with this situation
Consumer complaint received 2023-05-27
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. (MO)

This is my twelfth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2021-09-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BHFC Financial Services INC (CA)

I am not familiar with this account. I have contacted BHFC FINANCIAL SERVICES concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX. BHFC FINANCIAL SERVICES has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Consumer complaint received 2020-11-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc. (AZ)

Gm Finanial approved me for a vehicle loan on XX/XX/XXXX for XXXX XXXX XXXX XXXX with a {$500.00} dollar down payment and signed contract!!! After completing the deal and given the keys for the vehicle I brought my vehicle home everything was good!! I then recieved a text message from my salesman on the XXXX regarding my vehicle stating the bank needed 2 years of tax returns from me to complete my loan!!! At that time I ask him what he was talking about he then told me he was with a costmer and couldn't talk!! So I sent a text telling him to have a manager call me!! I didnt recieve a call until 3 days later when a manager named XXXX called and said I had not been approved and needed to return the vehicle and he could get me in a vehicle of XXXX dollars less value!! I informed the manager he could not do that per federal law he got mad and started yelling that I better return the vehicle right then or else! I hung up and called the police! The next day XXXX from XXXX XXXX contacted me via email to demand tax returns and I advised him that I had called the police and not to contact me again that I needed the owner or general manager to call me immediately!! I did not hear from the GM for over a week! At which time XXXX the manager for XXXX XXXX had sent me a document from GM Finacial that showed completely different loan information on it than the installment agreement I signed with a change of status to returned due to unable to verify 2 years of employment! This also didnt make since as I had provided 2 years of bank statements a XXXX tax return check stubs all to XXXX XXXX prior to the sale of the vehicle! I had obtained an approval email from my salesman on the XXXX of XXXX and I was never told about the change in contract the descepancy in length of loan and interest rates or the discrepancy in the amount of the loan which has over a XXXX dollar difference in the payment and finiace rate for the length of loan and no explanation as to where that XXXX dollars is! The documentation recieved from the dealer shows a fradulent car deal done purposely to commit criminal theft of money from me and the intent to have never intended to up hold the agreement!
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

Equifax can't deliver my credit report online via XXXX, and has been unable to do so for the past several years as I've tried to request my credit reports online through XXXX. Equifax is required by law to maintain a working web site for accessing free annual credit reports under the FCRA and FACT Act. Equifax is in violation of law. Equifax needs to fix their web site so I can get an online copy of my free annual credit report as I am entitled to obtain by law. The CFPB should fine and sanction Equifax for its routine and repeated violations of law.
Consumer complaint received 2020-11-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kramer & Frank, P.C. (MO)

I have received multiple notices from Kramer and Frank, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX over CC debt through XXXX XXXX for XXXX XXXX XXXX. They keep sending me letters and I have sent them the standard cease and desist letter twice! I am XXXX due to mental illness. Multiple diagnosis. They are making it hard for me to get by. Their reference file # XXXX. I earn no money. I live on XXXX. Their letters are making me feel weird and I need your help. If
Consumer complaint received 2020-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (KY)

I applied for the Fidelity Visa Signature card c. XX/XX/23 through the online site and the application was ambiguously denied. After receiving the denial, I called on XX/XX/23 to obtain instructions on how to complete additional verification if possible. However, no verification representatives were available during normal business hours.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Incorrect Account Status. Please correct or remove this. I have requested this from each company over 4 times each letter sent over 35 days apart. I requested to verify account being in collections with information validating this or In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 


Accounts listed are- XXXX XXXX XXXX XXXX  XXXX XXXX ( listed 5 times XXXX XXXX mortgage showing late
Consumer complaint received 2022-10-22
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. (WA)

I have already reached out to Experian 4 times and they will not remove my hard inquiries off my credit report. I have alerted them I do not recognize them and they said 30 days ago the businesses had to confirm the accounts they have not but the inquiries are on my account. This is a violations of my rights!
Consumer complaint received 2020-08-21
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)

Incorrect Account Status. Please correct or remove this. I have requested this from each company over 4 times each letter sent over 35 days apart. I requested to verify account being in collections with information validating this or In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 


Accounts listed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( listed 5 times XXXX XXXX mortgage showing late
Consumer complaint received 2022-07-18
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. (MI)

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. it also States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

My family and I have been affected by Covid-19, I'm also 100 % XXXX with a XXXX XXXX. I have provided Ocwen Mortgage, XXXX XXXX, PHH Mortgage my financials requested a forbearance and mortgage assistance. I was told by my mortgage company I don't have enough income, I told PHH I'm married my wife works. I provided her information to my mortgage company. They are difficult to work with and unwilling to assist me with keeping my home. I was told by customer service that I could not get a forbearance for my mortgage even though there is a foreclosure moratorium from our President. PHH refuses to work with me also I have spoken with several customer service each one of them have given me different information to me they are trying to make me lose my home to foreclosure. My home is set for foreclosure sale but I have not received a foreclosure letter from the foreclosure attorney. 
Please Help
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hollis Cobb Associates (GA)

I had XXXX at XXXX XXXX. XXXX began sending me bills for my portion. I paid {$50.00} and when I went to make a second payment, I could not make one in the portal. I was given a number to call or they ( Patient Accounts Bureau ) called me repeatedly. I finally called them back and they said they have this debt. This was in XXXX. I asked for a proof. They never sent it. I repeatedly asked. Then today, XX/XX/22 I called back because they left another voicemail. I asked for proof again and the rep said they are not required to send another bill. I said you never sent the first one and I am asking for this again because I never got it. She got angry and then said just tell me how much can you pay. She said numbers like {$500.00} per month, {$400.00} per month, {$360.00} and then $ 250 monthly to pay it off. I said, I don't make that amount of money to pay you that monthly. Send me the bill so I can see it. She said no again. I asked for her supervisor. After a XXXX minute hold, she came back and her supervisor would call me back. I said great but do know that if I asked you to validate this debt in writing and you do not provide it after numerous requests I can report you to the state attorney, FTC and Consumer Finance. She said she didn't care.
Consumer complaint received 2020-07-10
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: CITIBANK, N.A. (PA)

My trouble is with my Bloomingdales credit card which is issued by the Department Stores National Bank. Here is what happened. 

When I paid my XX/XX/XXXX bill, I thought I paid in full. I paid online, and chose the " balance due '' option. 

However, apparently, I was charged interest for an extra day or so. This amount was under XXXX dollars ( the bank rounds up any charges to XXXX dollars ). 

I did not get a statement showing I owed money. 

On XX/XX/XXXX, I made another purchase. 

On XX/XX/XXXX, my father went into hospice and died two weeks later. I received a note from Bloomingdales that my account was past due as of XX/XX/XXXX. On XX/XX/XXXX, I paid the balance due. On XX/XX/XXXX, Bloomingdales reversed the late fee they charged because I have an excellent payment history ( my credit score is in the low 800s ). 

However, Bloomingdales put a 60 day late charge on my credit report because of the XXXX dollar charge from XXXX that I was unaware that I had. 

I tried calling Bloomingdales and the woman was very rude and told me I was at fault. I asked for a supervisor to investigate. I also asked XX/XX/XXXX to investigate. 

The charge was not removed. I contacted Bloomingdales credit again in XX/XX/XXXX, after I had been rejected for a student loan because of the 60 day late payment record on my report. Bloomingdales put me through to a supervisor who said there was nothing he could do and advised I contact XX/XX/XXXX 

XX/XX/XXXX said there was nothing they could do and I should contact Bloomingdales. 

I contacted Bloomingdales and they said they couldn't discuss the case or elevate it for further review because I had " accepted '' the supervisors ' findings. I asked how I could proceed with arbitration and was told I had already done arbitration and there was nothing more I could do. I asked how I was supposed to have known that I was engaging in arbitration and she said there was no way I could have known but that the XX/XX/XXXX conversation I had with the supervisor was the only chance I had to request a further review by a manager and/or arbitrate the findings. However, I was never notified that was the case. 

Now, I am stuck unable to get a mortgage or a student loan ( except at high interest rates ) for an oversight that resulted in a late payment of under XXXX dollars. I do not think this is appropriate or fair.
Consumer complaint received 2020-08-21
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. (GA)

the accounts listed do not belong to me someone used my information to open fraudulent accounts they use my personal information on applications as well I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX - XXXX - is reporting an erroneous old account on my credit report that should have never went to collections and it was paid before it was even sent to collections! ON my report it shows it was paid XX/XX/2016 and XXXX XXXX put it on credit XX/XX/2016 with no balance! What the heck! I have been disputing this with the bureaus and get no response! They are in violation and I have contacted my attorney.
Consumer complaint received 2023-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (WI)

I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

the accounts listed do not belong to me someone used my information to open fraudulent accounts they use my personal information on applications as well I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.