davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-08
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME ALMOST IMPOSSIBLE FOR ME TO ACQUIRE NEW CREDIT AS A RESULT OF THIS.I 'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-08-07
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. (DC)

I spent considerable time on the telephone and going through several " escalation '' personnel to try to resolve the issue with XXXX XXXX XXXX. This involves an account that was closed at my request and regular payments were debited from my checking account until the balance was paid in full. When the debiting stopped, I assumed the debt was paid. Three years later I received a 1099-C from XXXX XXXX XXXX indicating a cancellation of debt in the amount of {$890.00}, which was supposedly the remaining unpaid balance. XXXX XXXX XXXX would not let me pay this amount when I offered, saying that it was already written off of its books. I received a tax bill from the IRS for the {$890.00} increased income, resulting in additional taxes of almost {$300.00}, which I paid. This appears on my credit report and will come off in XX/XX/XXXX. However, XXXX XXXX XXXX has decided to " update '' the account and is now reporting {$890.00} past due every month, resulting in a monthly decrease in my credit score.  This {$890.00} debt does not exist. It was written off by XXXX XXXX XXXX in XXXX, it was charged as income to me and reported to the IRS, I paid income taxes on it, and XXXX  XXXX XXXX took a tax deduction for a bad debt. They can't come back in XX/XX/XXXX and report the amount as still past due.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

Hello. I have had a recurring problem with an XXXX store credit card issued through Comenity Bank. 

After one payment of {$35.00} I authorized, Comenity then issued a duplicated charge of {$35.00} that I had not authorized. As usual, I have complained to the said company and to my Credit Union. 

As this has occurred at least three times with this credit card, what are my options? Is there a way to contest the bill entirely as their faulty charges have increased my bill to the point of me not being able to pay it off even after the course of a year although the bill is under {$700.00}? 

I do not think the company is fair of abiding by the law. 

Sincerely : XXXX XXXX
Consumer complaint received 2019-08-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Keystone Credit Collections Inc. (CA)

Caller sometimes calls himself XXXX XXXX and others times XXXX XXXX. He has called me several times on my cell phone and at work. Most times 5 mintues apart. He has contacted my family members stating that there is a complaint against me and they are trying to locate me. Caller leaves messages on my work and cell phone asking for family members and stating that they are warning them to get me to call back or they are going to file the complaint. Each time they reach out to someone they use a different name and different company name. Sometimes it's XXXX XXXX and other times it's Keystone Group. I requested the address and was given the address of a XXXX store in New York. I have requested and my family has requested they stop calls. Caller will never give info to me without me giving SS # and birthdate.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Back in XX/XX/2019 I was experiencing issues with my mail not being delivered. As a result I never received my XX/XX/2019 statement from XXXX. They in turn reported me as being 30 days late to the credit bureaus. When I became aware of the issue I contacted XXXX several times to try and rectify the issue. I spoke to a manager XXXX XXXX, she advised me that I should obtain proof of this incident from my postmaster and fax it back to her. I was able to obtain the proof and have been attempting to rectify this issue with XXXX. I have faxed the letter 3 times as requested and they refuse to accept the letters as proof.
Consumer complaint received 2019-07-31
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: EQUIFAX, INC. (FL)

I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
1. XXXX ( XXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 3. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) 4. XXXX XXXX ( XXXX XXXX XXXX ) 5. XXXX XXXX ( XXXX XXXX XXXX ) 6. XXXX XXXX ( XXXX XXXX XXXX ) 7. XXXX XXXX ( XXXX XXXX XXXX ) 8. XXXX ( XXXX XXXX XXXX ) 9. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 10. XXXX XXXX ( XXXX XXXX XXXX ) 11. XXXX XXXX ( XXXX XXXX XXXX ) 12. XXXX XXXX ( XXXX XXXX XXXX ) 13. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 14. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 15. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 16. XXXX XXXX ( XXXX XXXX XXXX ) 17. XXXX XXXX ( XXXX XXXX XXXX ) 18. XXXX XXXX ( XXXX XXXX XXXX ) 19. XXXX XXXX ( XXXX XXXX XXXX ) 20. XXXX XXXX ( XXXX XXXX XXXX ) 21. XXXX ( XXXX XXXX XXXX ) 22. XXXX ( XXXX XXXX XXXX ) 23. XXXX XXXX ( XXXX XXXX XXXX 24. XXXX XXXX ( XXXX XXXX XXXX ) 25. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 26. XXXX XXXX ( XXXX XXXX XXXX )
Consumer complaint received 2019-08-08
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: CITIBANK, N.A. (AL)

I had an inquiry from Goodyear show up on my XXXX   credit report. I have not applied for a Goodyear card in any manner as I haven't even needed anything that Goodyear offers. I didn't authorize this and would like it removed since I didn't ask for credit to begin with. I have a frozen report now.
Consumer complaint received 2019-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX ( XXXX XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-08-07
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. (TN)

I went to my bank to get a loan and they told me that they couldn't approve me at the time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX. I am doing this on my own and I have reached out to the FTC and to my local police department.
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

I have a PayPal Credit account through Synchrony Bank. It came to my attention several months ago that when I make a payment which includes all standard purchases for the month and what ever Promotional deferred interest purchase is due that the payment is not being applied to the standard purchases ( which creates interest due on them ) but to future deferred interest purchases. In these instances the deferred interest purchase is not due for 4-6 weeks from date of payment. I am supposed to have 6 months interest free but am getting XXXX XXXX - 5 months instead. Even though they advertise and set up due dates that are 6 months out. I have talked to them, initially when it first came to my attention approximately 3 months ago. Their solution is that after I make a payment I have to call and specify how it is to be properly applied and they then reverse the original application of funds to correct the problem. I have other accounts that have XXXX interest balances and new charges and when I make a payment the new charges ( which would accrue interest ) are paid first before any application of funds to the XXXX interest balances. This is what my understanding of what credit card regulations require : that pmts be applied to higher interest charges first. In this case, the interest would not be charged until the following statement, but it would be charged if I didn't call to have them manually fix it. This is the only credit card I have that regularly applies payments improperly. I'm hoping you can bring this to the attention of the company so their IT department can correct this flaw in their payment processing system. Thank you.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LOBEL FINANCIAL CORPORATION (FL)

I just got out of prison XX/XX/XXXX and starting my own business in XX/XX/XXXX I discovered I was a victims to identity theft and been steady trying to recover... 

Lobel financial is a lender I discovered works exclusively on loans for cars... 
They have approved a loan for someone else other than me but with my name. They allowed a car to be leased to someone that I don't have... I've contact credit bureaus lobel financial and made police reports with the local department and filed with the FTC
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (CA)

I have a credit card from 1STPROGRESSXXXX, and I have always made my payments on time. After being alerted that there was a late payment on my credit report, I called 1STPROGRESS/XXXX/XXXX  and was informed that there was a mistake in their billing system which had resulted in a 30-day late payment on my credit report. 

As it turned out, by the time the billing issue was resolved, a second 30-day late payment had been placed on my credit report. This billing mistake resulted in me being 60 days late. 

It's important to note that my payment history has always been perfect and on time. I reached out to XXXX, XXXX, XXXX, and 1STPROGRESSXXXX, but unfortunately, I have been unable to obtain a satisfactory resolution. Both XXXX, XXXX, and XXXX have reported me as 30 days late for XX/XX/XXXX and XX/XX/XXXX, which is caused by the bank 's error.
Consumer complaint received 2019-08-08
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. (NC)

my credit reports several fraudulent accounts that are a result of my identity being stolen, and also it appears that my address and other personal information is also incorrect fraudulent and false addresses have been used to open up accounts that I do not recognize and have not authorized. I have sent correspondence regarding this issue I am attaching that correspondence to this complaint .that includes identity theft report and police report detailing what happened and the fraudulent accounts this information should have been removed or blocked when it was first mailed to the credit bureaus I am including it here so that it can be reviewed and the appropriate action can be taken and these accounts be removed and blocked From my report
Consumer complaint received 2019-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NM)

The phone service with XXXX was terminated by me several ( more than four ) years ago. I decided to go with another carrier. I left XXXX on good terms. A few years later I was contacted by a debt collector asking for payment. As we discussed the matter further, it was clear to me that the debt in question was not mine. As the representative shared the address connected to the debt in question, I came to realize the address was not mine ( and never had been mine ). I explained to the debt collector, that they obviously had the wrong person. 
I thought the matter was over. It was not until I saw my XXXX XXXX account that I noticed that this issue was back. Very frustrating!
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

XX/XX/2019, I called Experian ( Spoke with XXXXn ) asking for my name and address to be corrected on the report because my report shows 7 different names. XXXX told me no she will not correct my name in the system because I can have different variations of my name. I asked to be transferred to a supervisor, after waiting another 20mins on the line someone named XXXX picked up the phone and asked for a report number, I told her I didn't have one, she proceeded to tell me she couldn't help me without one. I asked why? She said because I needed to be specific about my needs. I told her I was looking at my report so I am not sure why I needed a report number when I can clearly see what's on my online report ( which don't offer report numbers ). She then disregarded my questions and started on my report. I told her what I wanted removed and she told me that she'll remove some things but she will not remove everything. I told her I will have her reported along with XXXX.I  would like my name and address corrected immediately.
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

To regulators, This is my 3 or 4th complaint against TD Bank. They are literally much worst than the problems of XXXX XXXX. Right now, there was a fraudalant charge that TDBank flag to me over text and ask if that was real. I answer back over text that its fraudulant. They text back they will review that over text. Normally, I expect them to freeze that charge like before, somehow their new run-around setup is all no help and fraud charge noted in the text answer stated above went through and posted on XX/XX/2019 after my additional message on the TD Bank website saying its fraud a second time. 

After waiting about 6 to 8 hours, I went on the website to ask for update of my claim that its fraudulant charge. No answer over 24 hours. Then I called in, nobody understand nor care to fix the at-issue item I repeatedly stated about the fraud charge, they say " not my dept '' or " not my job '' run-around. Nothing gets done and a waste of time either going to through unending verification and then no help or a direct person that handles CFPB complaints and say its " not my dept '' can't really help. Thats why I am submitting another CFPB complaint to get actual help. 

The only possible results has been asking regulatory actions against TD Bank and revocation of business due to repeated setup of harm to consumers and their access to service. I ask your organization to start regulatory reviews of TD Bank products and services. I only get anything done in help by official complaint and hope there's repeat heavy fines against the organization and their personnels. 

The fraud charge was for " XXXXXXXX XXXX '' of - {$130.00}
Consumer complaint received 2019-08-08
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. (GA)

I have made contact with this bureau on XX/XX/2019 and XX/XX/2019 in regards to an account that is on my report twice ( 1-Negative, closed account with status showing Collection account # XXXX and 2- Closed account with status of payment ( - ) with Paid Collection for account # XXXX ) the 2nd one being acceptable but disputed as accurate. I also disputed the accuracy of a Bankruptcy-chapter XXXX reporting on my report due to lack of acceptable verification, I sent them copies of letters to court requesting how they verify and from court stating they do not verify. I have also sent letter to XXXX requesting the same information. 
I am a retired veteran and I am in the process of trying to become a productive XXXX to assist in the health and nutrition of our community and these 2 issues are standing in the way with no fault of my own. I have requested the bureau to remove these items from my report immediately.
Consumer complaint received 2019-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

On XX/XX/XXXX of 2016, I have a derogatory mark from XXXX XXXX for {$250.00}. I told them I was going to cancel my service and they said it was fine. After I ended my service, they kept charging me for even more months after I have cancelled my service with them. 

I contacted them and they said the only thing I could do is just pay it off. I do not want to pay for months I didn't use their service for.
Consumer complaint received 2017-12-02
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. (PA)

I have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXXXX2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX- {$310.00} XXXXXXXX XXXX XXXX - {$870.00} XXXX XXXX XXXX- {$60.00}
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-02
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. (NY)

I have made many attempts to removed an inaccurate account on my credit report. I pulled all three reports together, and they are listing different amounts and MORE. 

XXXX is listing XXXX XXXX XXXX As an OPEN ACCOUNT, This is false. 

Experian is Listing this account as a different Account # XXXX  unfder a different Debt Recovery name, and also listing this as a collection, with a different amount balance, and date last active are completely different than the other reporting agencies and information, this is all completely inaccurate. 

The Balance is incorrect and inconsistent with the other reports it is on, while being listed as closed on those bureaus reports. 

The Date Last active, and Date Last reported are also VASTLY different from on another. 

This is an updated report taken today. 

There are more than three incorrect and inaccuracies on my report. 

You need to remove this account immediately as I have a legal right to a current and up to date and ACCURATE report. 

Thank you.