davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

Over tree months ago I made a purchase at the Victoria Secret store in XXXX of {$160.00} I paid {$100.00} with the gift card, and the rest with the Victoria Secret Credit card ( XXXX XXXX XXXX XXXX ) When the balance arrived it says I that owed {$160.00}. I called the bank and they direct me to call Victoria Secret. Which I did. After reviewing the transaction and the gift card number they figure that their teller never applied the gift card. They told me not to worry and that they were going to apply that gift card toward the credit card balance. Because the due day was close, I made the payment of {$60.00}. But, I month went by and I am seeing the new statement balance with a debt of {$100.00} ( 100 + interests ) I called 8 times to Victoria Secret and the bank. They said they don't know what happened, and offer no further solution other than having to pay that credit card balance. The Case # XXXX date XX/XX/XXXX. 
Feeling helpless I made the {$100.00} payment. But guess what? I received a new bank balance of {$100.00}!!!!! I checked, I there is no transaction made on the statement. This is PURE ROBERY.

Please help me. Thank you.
Consumer complaint received 2023-07-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Bridgecrest Acceptance Corporation (FL)

I purchased a used XXXX XXXX through BridgecrestXXXX. I am a XXXX XXXX XXXX XXXX woman. XXXX tore a tornado through my family. I had XXXX members of my family XXXX in the past XXXX years. I was laid off as a XXXX XXXX. I was able to make payments thru to XX/XX/XXXX. I did contact Bridgecrest many many times. Bridgecrest refused to make payment arrangement, refused to give me any details about my account. I did file a request to reopen a bankruptcy case just to deal with the financial fallout of XXXX. I was impacted. Its hard enough for a XXXX XXXX old woman ( XXXX ) to get employment. I joke that when I find a job the recession will be over. Its true. 

Bridgecrest sent me the following letter telling me that they will repossess the car. They do not state what amount I owe. There is no information on their website. They claim that I don't take their calls. I have never received a call that says Bridgecrest on the caller id. 

I am XXXX and being without a car is an extreme hardship. Bridgecrest has thwarted every attempt of mine to ask what amount is owing. The car is not worth now what it was in XXXX. It is a XXXX year old XXXX. Although XXXX XXXX are in high demand it still is a XXXX year old car. I am aware that I am probably upside down on the loan. I am actively looking for work and I have two upcoming job interviews. The last thing I need in the middle of this is Bridgecrest. 

Bridgecrest wants to have their cake and eat it too. They want to seize the car, sell it and still make me owe on the car.
Consumer complaint received 2023-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (CA)

On or about XX/XX/ XXXX XXXX  American Honda Finance Corporation made an unauthorized charge to my checking account of XXXX XXXX XXXXXXXX with the amount of {$17.00}. We don't owe any money to American Honda Finance Corporation. 
On XX/XX/XXXX and XX/XX/, I contacted American Honda Finance Corporation to notify about the unauthorized charge and request a refund. American Honda Finance XXXX refused to refund and refused to resolve the issue.
Consumer complaint received 2019-05-10
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. (MN)

After reviewing my most recent credit report since my identity been compromised due to the lost/ theft of my id, I noticed a series of unknown inquires on my credit report, and I would like these inquiries removed immediately on the pure basis they are unknown and unauthorized by me. I understand the credit reporting agencies go to explanation that inquiries stay on your credit report for 2 yrs, I understand that, however that is not my argument. My argument is that I did not authorize these inquires by any means and again please remove the following inquiries. 

1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (CA)

On or about XXXX XXXX XXXX American Honda Finance Corporation made an unauthorized charge to my checking account of XXXX XXXX XXXXXXXX with the amount of {$17.00}. We don't owe any money to American Honda Finance Corporation. 
On XX/XX/XXXX and XX/XX/, I contacted American Honda Finance Corporation to notify about the unauthorized charge and request a refund. American Honda Finance Corporation refused to refund and refused to resolve the issue.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct 3 credit bureaus ' errors and update my records. Here is the list of items : 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 XXXXXX/XX/2022
Consumer complaint received 2019-05-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

So this claim is about {$380.00} that has been taking from me wrongfully through fraud. On XX/XX/XXXX by the XXXX XXXX company through paypal. This company took away all of my digital goods through this service after i found a problem which they refused to fix and later got mad and blocked my messages so i could no longer contact them. Not only that they also took away everything I paid for by banning me.
Consumer complaint received 2019-05-10
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. (NJ)

XXXX XXXX  XXXX refuses to remove this account they claim I was paying with a XXXX XXXX checking account which I never opened up and have proof also credit first has confirmed this account as fraud already yet they still report it on my Equifax report and XXXX XXXX loan is fraudulent
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

Toyota motor credit Corp Documents have been sent in showing that the loan has a {$0.00} balance yet it shows up on my credit report as the only negative interaction I've had. I have proof the loan was paid down in full. The documents have been sent to dispute in the past. Also the account wasn't mine too begin with. I was XXXX years old at the time and didn't have a car. I'm a XXXX and I believe the accounts were mixed up. This has all been brought to their attention. 
Date reported:XX/XX/XXXX Payment Status : Collection/Chargeoff Account Status : Derogatory Amount Past Due : {$8500.00} Bureau Name TOYOTA MOTOR CREDIT CORP Account Type Auto Loan Responsibility Individual Original Loan Amount {$25000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct 3 credit bureaus ' errors and update my records. Here is the list of items : 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 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This CFPB Complaint serves as a follow up CFPB Complaint for my previous CFPB Complaint requesting that the Credit Reporting Agencies investigate and remove the accounts that resulted due to erroneous activities. On XX/XX/2023, I sent a dispute letter to each of the Credit reporting Agencies to have the charge off accounts removed from my Credit File. In those letters I attached copies of my personal identifying documents to prove that it I who submitted the requests. I requested the Credit Bureaus to thoroughly investigate the following accounts and have them removed from my Credit File in accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} and XXXX XXXX XXXX XXXX Balance : {$2200.00}. These accounts are clearly erroneous and misleading and must be removed from my Credit file the sooner the better. I have attached the letters I sent on XX/XX/2023 for I fear that the letters I sent would not be received by the Credit Bureaus. This complaint serves as my assurance for the Credit Bureaus to receive the letters.
Consumer complaint received 2019-05-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mobiloans, LLC (DE)

The mobiloans website will not allow you to make additional payments. Its set up fraudulently to make it appear as if you can but is actually an endless loop of not being able to choose a date for your intended payment even choosing right now is not an option. I have screen shots of this payment processing inability for several attempts for weeks leading up to my due date of XX/XX/2019 in order to save from additional fees my intention was to apply a larger pymt so that my loan balance would reach a lower tier so i could possibly catch up and pay off this loan without the almost 500 % interest rate. For weeks when i attempt to access the website via my cell or computer the website conveniently has maintenance so you can not schedule or make payments or their is system issues or even when u call their ivr system doesn't prompt or ask if you want to make a pymt only prompts are directed and clear when it comes to extending this line of credit that will surely be your livelihoods demise as it will take your everything you have left unguarded. When i called i was given vague answers that did not allow me to full fill my intention of paying off this absurd loan. This type of predatory lending i thought my government was protecting me from is still alive and well and profiting off the backs of us lower income hourly tax paying workers. Shame on this company and shame on the government that allows it to operate freely.
Consumer complaint received 2019-05-10
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. (TX)

Experian credit bureaus have me marked as deceased!!!!!!!!! 
Ive been working hard on my credit and now they have as deceased, which holding me back on multiple levels of both personal and business ventures. Plus they wont update my credit score! 
Ive tried calling but nothing works. I cant even get to someone live to address the problem. 
This is ridiculous.
Consumer complaint received 2019-05-10
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I recently mailed letters, as per my rights as the Fair Credit Reporting Act allows, to the three credit bureaus demanding proof of this alleged charged-off account, furnished by Capital One or remove the account from my files with them. The bureaus reported back within several weeks that they were regarding this account as valid, but I have not received any proof as to the validity of the account. Specifically, XXXX  has it listed in their latest report to me that investigation complete-reported by data furnished. Capital One reports the account in such a manner yet demonstrated that the investigation, was in fact not complete in the sense of their subsequent mailing to me directly. On XX/XX/XXXX, I received a letter from Capital One requesting that I provide them with information regarding the nature of my dispute. My demand was straightforward, proof the validity of this account, the basis that it is being furnished to the credit bureaus and verify it by the manner that a holder of the right to furnish that information should, signed valid contract, chain of assignments of any holders of the alleged account and a sum certain accounting of the amount of the account, including all fees and interest. They appear to be either unable or unwilling to provide this information and if they can not prove this account, what right does Capital One have to put this information on my credit report in the first place? 

Apparently they have told the three credit bureaus that the account was valid as listed yet write me asking for information pertaining to the account, showing no proof as to the positive existence of this account yet requesting information of me regarding how the account is showing on my credit reports. They should know this since they are furnishing the information and if they can not confirm that information they are placing there is correct then they should remove that information. I am familiar with the Unfair, Deceptive, Abusive Acts or Practices part of the Dodd-Frank Bill. This should certainly apply in how this company is conducting its business here. If they can not prove the validity, of this account, if it is unverifiable, they should delete it. They are violating the law otherwise. Also, along the lines of the XXXX, the account is listed as being charged-off back in XXXX, yet in XXXX they added another {$160.00} on what strongly appears to be another violation. And they list a credit limit of {$8600.00} to an account that is allegedly closed and have it listed on a couple of my credit reports at 73 % usage. I would imagine if the account was actually closed and subsequently charged-off the term usage in this matter would fall under being a deceptive act.
Consumer complaint received 2023-04-10
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. (MN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-10
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2019-05-09
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. (NC)

When I check my credit score Im told that incomplete information about my mortgage is hurting my score. This is the same with all the reporting services. I dont know how to report to them that I do not have a mortgage I own my house outright. The same goes for all my vehicles. I also do not have any personal loans. My only obligation is my credit cards which I pay in full every month and have done so for over 10 years.
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (FL)

eastern account system incorporated is calling me when I got a new cell phone number saying I'm someone I '' m not. 

They just called me a couple times on XX/XX/2017. One of the " agents '' hung up on me when I told them I was a different person than the one they are trying to contact. 

When i called a second time to reiterate to them that they had a mistaken identity, i received no confirmation that they would stop calling or trying to collect the mystery debt. 

That is all.
Consumer complaint received 2019-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (IL)

On XX/XX/2019 received an alert about a collection account being placed on my XXXX  credit report. I checked it and noticed that there is a collection account from the company Afni for XXXX stating that it was opened on XX/XX/2019. I had already filed a police report and fraud report with the FTC. This is a strong case of identity theft. I had this problem before with this company and informed them of the problem. This is not my account.
Consumer complaint received 2019-05-09
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. (SC)

HELP I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


XXXX ( Original Creditor : 11 XXXX ) XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX Enclosures :
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX did 3 time hard inquiries. 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$8300.00}