davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OH)

I obtained a XXXX Mastercard a couple of months ago-under the promotion of 0 % APR until XX/XX/2023. 

I have used the card several times and have been charged interest the past 2 months. 

I called today and spoke to XXXX XXXX, on XX/XX/2023 and this employee acknowledged I was under the promotion correctly, and I was charged interest wrong. She said she could refund me only 1 month of the wrongly accrued interest. I told her this wasn't acceptable and I needed them to refund both of their errors. She said that wasn't possible. I asked her why they lie then because the email that I got reminding me was that it was still 0 % APR until XXXX. She said she wasn't sure, but did acknowledge that it was a lie. I asked her what was a lie and she put me on hold for a couple of minutes without telling me and finally got back to me and I told her I would be filing a complaint unless they refunded the money that they lied to me about the promotion. 

She put me on hold again and I do not have all day to sit and wait for a manager or supervisor to come to the phone and argue with them. 

This employee admitted that I wasn't charged correctly but still refused to refund the money. 

I was lied to by this company about their APR and when it ended and what it covered. What this employee said doesn't match what is in my email or what I signed up for.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MD)

I opened a basic debit account with PNC close to one year ago at the XXXX XXXX, MD, location. My living situation was turbulent and I did not have my affairs in order. Having not made the proper arrangements for all of my mail to be delivered to the same location. A consequence of this was that I was not reviewing my monthly account statement. By the time I began to have a consistent place to stay, it had been a long time before I was able to notice payments start to bounce, when I knew I should have enough money. I checked an ATM, upon noticing I am around {$160.00} short, decide to drive to the bank and review my statements with them. I found {$510.00} of fraudulent recurring monthly payments dating back as far as my available statements did. Which I believe was XXXX of 2022. I attempted to login to the website of where the charges were coming from, but no login that I have ever used worked. This is an area where I am very consistent, so not knowing the password or username was a very obvious sign to me that somebody else was using my card. As well as confirmed that I, in fact, did not recognize that business at all. Upon review of these observations, I produced my findings to the fraud department of my banking institution. The first call " mysteriously dropped '' towards the end, even though the sounds my phone makes when a call is manually ended and when a call drops are distinct. I redo the entire process again the second call, and my card is cancelled and a new one reissued via mail. I receive no less than five letters from PNC denying my fraud claims before I have to drive back in to the bank again to physically be printed a card instead of continuing to wait for it to be mailed to me. I was told 3-5 business days, and it had been 9 when I made an appearance. Gas and food were getting tricky after so long without access to my own money. The letters did not enlighten me at all as to why most of the claims were denied. All I know is the fraud department failed an open and shut case very quickly after dodging my first attempts at reporting the fraud in the first place. I do not want to just outright say that they are somehow finding a way to steal from me with this mysterious recurring charge that nobody can figure out anything on. I will outright say, however, that they made the reporting process a nightmare and did nothing to prevent somebody else from stealing from me. I do not feel comfortable with them handling my money anymore. I have been banking with them for less than a year. I intend to close my account with them in XXXX after a payment plan through them has transpired. If there is a way for them to deal with some sort of consequence for losing my money when the point of a bank is to store it and and then attempting to deny that it even happened, it would help me sleep at night.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (IL)

On XX/XX/XXXX I purchased an above ground swimming pool from XXXX XXXX in the amount of {$9400.00}. I paid a deposit of {$4800.00} using my Discover Card and agreed to pay the 3 percent transaction fee that Discover charges the merchant. On XX/XX/XXXX I received a call from XXXX in their store to advise me that the pool they had sold me was no longer available even though I had been told by her on XXXX that it was in their warehouse. She offered different pool option but after discussing with my husband, I called on XX/XX/XXXX and told her that we wanted a refund if they were unable to provide us with the pool we had purchased. When I went into their store on XX/XX/XXXX to pick up my receipt for the refund, she presented me with an invoice for {$140.00} to cover the 3 percent fee that Discover charges. I refused to sign it and came home and opened a dispute on my Discover Card. 
I provided Discover with the above facts and copies of the invoice and sales receipt. On XX/XX/XXXX Discover send me a link to a message showing what XXXX XXXX had provided to them including the {$140.00} invoice that I refused to sign. Discover at no time offered me an explanation as to why my dispute was denied nor have given me an opportunity to rebut their decision. On XX/XX/XXXX I sent an email to XXXX XXXX, XXXX XXXX, requesting an explanation. On XXXX I received an email from XXXX in their Executive Office of Customer Advisory department requesting more information, such as account number, that was already provided in the email to XXXX XXXX. I sent an email to her that same day providing the information and did not receive any further correspondence from her. On XXXX and XXXX, I again sent my email to XXXX XXXX with no response. On XXXX, I sent an email to Discover XXXX XXXX XXXX requesting an explanation regarding this denied dispute. That afternoon, I received a phone call that I missed from XXXX. I sent her an email letting her know that I have a difficult time catching up with her on the phone and to please contact me via email. She did not. I called her phone number today XXXX XXXX and she agreed to investigate my dispute but seemed to have no knowledge of anything that had transpired. She said she'd call me back when she had a decision but could not provide any kind of time frame.
Consumer complaint received 2023-05-05
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. (VT)

I was divorced in XXXX. My husband was awarded the primary residence and was supposed to refinance the joint debt. He failed to do so and also failed to keep the loan current. XXXX XXXX filed a foreclosure action in XXXX of XXXX. I offered a deed-in-lieu of foreclosure to XXXX XXXX at that time as I have a power of attorney to convey the property. They reused to accept the offer. The co-borrower did not respond to the foreclosure request, so it was not contested, and should have resulted in a summary judgment in XXXX. 

Instead, XXXX XXXX requested stays on seven occasions, while continuing to report the delinquency to credit. The reason was stated as on-going loss mitigation and a possible forbearance agreement. A forbearance request has to be made by both borrowers, and I have never requested the forbearance that continued to delay the process. The co-borrower also never completed the requirements for such a request making the stays wholly unnecessary. In the past five years the co-borrower has only made XXXX payments so the loan history indicates no serious attempts on his part to resolve the delinquency. Instead hes been enjoying a mortgage free home for over 5 years. 

The case has now been resolved, as I entered into a stipulated judgment in return from release of deficiency liability in XXXX of XXXX. A Joint Motion for Entry of Stipulated Judgment and Decree of Foreclosure, Waiver of Deficiency, and Shortened Redemption Period was filed with the court on XX/XX/XXXX. As the court accepted this stipulation and XXXX XXXX agreed to waive any deficiency, late payments should no longer be reported to credit for me. XXXX XXXX then failed to sell the home in XXXX when the judgment became final, and finally sold the loan in XXXX of XXXX. The new servicer has also failed to sell the home, and has requested continued stays to the process. 

I requested XXXX XXXX to remove all credit bureau reporting on this loan from XX/XX/XXXX ( when the stipulated agreement became effective ) through present and they refused to do so. Instead they kept asking me to sign a quit claim deed to the property, so that I give up my rights to be informed on their actions in servicing their loan. This is a loophole in XXXX guidelines that should be closed. No one should be asked to give up their ownership rights without also being released from the debt.
Consumer complaint received 2023-03-18
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: Bread Financial Holdings, Inc. (GA)

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-05-05
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. (NV)

XX/XX/2023 In my complaint today I am addressing ongoing incorrect information on my credit report. I operate a XXXX XXXX and accurate credit reporting is all I am asking for to be corrected. My charity works with veterans on suicide prevention and we rescue wild mustang horses and re-purpose them. 
I am asking for the CFPB to look into the history of not only me but others as there are numerous complaints similar to mine. I feel after my discussion including showing up at the office headquarters in XXXX XXXXXXXX XXXX  I am be retaliated against. I am just not sure of why? 
I am attaching screenshots and multiple proofs including multiple contacts with XXXX XXXX including in person visit please compare my photos attached at their headquarters. I am also attaching screenshots from XXXX XXXX own app and my bank account. I am now being purposely targeted for a discussion that became heated with one of their customer service agents. So they are going out of their way to punish me. I am looking for resolution by either deleting ALL late payments or deleting the account entirely as acceptable. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

Please refer to the attachments which show : Statements from XXXX which is where I pay the account From XXXX  XXXX phone app Photos from XXXX  XXXX headquarters Letters and proof of multiple attempts to correct this Multiple IDs verifying my identity I am begging for help. I understand we live in a politically charged world. I am just trying to help our veteran community which is not popular but I am asking for reasonable solutions. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-05-05
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. (FL)

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: American Credit Acceptance, LLC (FL)

I am entitled to complete disclosure of the retail installment agreement made on XX/XX/XXXX. On XX/XX/XXXX I sent a letter to American Credit Acceptance asking them disclose the amount of credit I was approved for my XXXX XXXX XXXX, the amount that was paid directly to me, the amount that was credited to my account to discharge the obligation, and a statement indicating whether or not I am entitled to rebate of the finance charge prepayment. I am entitled to this information under 15 U.S.C 1638. American Credit Acceptance did not respond with this information within 30 days, and not at all. On XX/XX/XXXX I sent an Affidavit of Truth. This Affidavit went unrebutted. An affidavit unrebutted Stands as Truth. The American Credit Acceptance account reported on my credit report is fraud and must be deleted from my credit reports. The retail installment agreement is fraudulent and has never been enforceable.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NM)

The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX XXXX claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with LVNV Funding, LLC, c/o Resurgent Capital Services L.P . I DID NOT ASK for it nor are they privy to contract with me. LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX has been negatively reporting on my credit report for 1 YEAR and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE LVNV Funding, LLC, c/o XXXX XXXX XXXX L.P. and original creditor anything.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-05-05
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. (NC)

15 USC 1681 SECTION 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my written consent! 

-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX