davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

Discover card continues to falsely claim to the Consumer Financial Protection Bureau that the subsequent complaints in which I file are merely a duplicate. However, the clerk who originally replied to CFPB complaint number XXXX did not address the full complaint. Specifically, the consumer requested that new account ending in XXXX be closed. Discover card failed to acknowledge that all credit reporting will reflect " account closed by consumer ''.
Consumer complaint received 2020-03-20
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citi closed my credit card account as of XX/XX/2020. I believe my account had XXXX Thank You points at the time of closure ( per my last bill statement ). Citi is not allowing me to use these points of mine. Per Citi 's letter, it states that the points are immediately forfeited and are unavailable for redemption. I do not understand why they will not let me use the points I earned. All my purchases were legitimate and made by me, and I paid all of my bills on time. I did not do anything illegal.
Consumer complaint received 2020-03-19
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 is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # XXXX
Consumer complaint received 2020-03-14
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-19
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)

I applied for a XXXX XXXX credit card today XX/XX/20 and unfortunately, I was not approved because there is an account and a few inquiries reflecting negatively on my credit report. The account is from a company called XXXX XXXX XXXX XXXX and the inquiries are from several different companies all of which I did not apply for and do not have any type of signed contract or agreement. None of the inquiries and account I listed on this report do not belong to me and I did not allow anyone to open this account or make these inquiries in my name. I did not benefit anything from these items being open in my name such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards this account. I already filed a police report regarding these suspicious items on my credit report.
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

S W Credit System XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Attempted to collect a XXXXXXXX XXXX bill I don't owe. 
Amount {$290.00} FALSELY reported to the credit bureau 's. 
Never provided me with any documentation.
Consumer complaint received 2018-08-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P. (CA)

The number ( XXXX ) XXXX calls about 10 times per day. Does not leave a message and calls before XXXX and after XXXX. After further investigation it looks like LTD Financial Services is the owner of this number.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc. (OH)

When I negotiated this payment with the collections company ( Diversified ), I agreed to pay this as long as the entry was completely removed from my credit reports. This has never  happened and I've tried a few times to call them with no results. This continues to show up on my credit report and damage my scores and ability to secure financial products. 

CURRENT ACCOUNT/WAS DELINQUENT 120 DAYS PAST DUE DATE. 
DIVERSIFIED XXXX XXXX PAID ORIGINAL CREDITOR CLASSIFICATION : Cable/Cellular ORIGINAL CREDITOR : XXXX AT T LAST REPORTED DELINQUENCIES : XXXX ORIGINAL CREDITOR : XXXX XXXX  PAID COLLECTION COLLECTION ACCOUNT CollectionAttorney Closed Highest Adverse Rating - Date:XXXX, Type : Collection Most Recent Adverse Rating - Date:XXXX, Type : Collection Prior Adverse Rating - Date:XXXX, Type : Collection XXXX XXXX XXXX
Consumer complaint received 2018-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (IN)

In XX/XX/XXXX I co-signed for a car for my grandson because of my credit they put my name first my grandson was late every month with his payments because his payment date from his job did not match up with the due date for the car note this was not brought to my attention until XX/XX/XXXX once they called me we changed the due date so that he would not be late and this was XX/XX/XXXXXX/XX/XXXX he was behind two payments at that time the company was called XXXX XXXX   the only way I found out he was behind was because they reported it to the credit bureau and they took 80 points off my credit I call them and ask why they did not reach out to me XX/XX/XXXXthey gave him an extension I spoke to two people within the last couple of weeks one said they gave him 6 weeks within the loan to catch up and he still behind a half a payment which I did not see on printout to catch up the other said they put those two payments at the end of the loan then changed it and said one payment the contract States the loan was 47 payments and the amount was for {$18000.00} the loan was supposed to end XX/XX/XXXX I had them to send me out his payment sheets his contract a few days ago after the extension they continue to charge him late fees even though the date was changed he paid all his payments on time after that and two additional payments at the end of the loan they say he still owes an additional {$900.00} on the principal but he has paid {$18000.00} a little over what the contract stated the full payment would be so they told me he signed a modification I asked my grandson he said he did not so I told them to send it to me when I read the modification his signature was not on there but mine was and signed incorrectly they did not have my permission they forged my signature this car is paid in full all these additional fees they want to add on I feel it's illegal and they need to be stopped they once again report it to my credit and took 78 points
Consumer complaint received 2018-08-24
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. (TX)

I am writing to CFPB being I'm a service member serving in the XXXX XXXX XXXX by which I have a complaint and would like for this item to be removed being I have followed and sent the required doument of ( SCRA ) Service Members Civil Relief Act a while back and they are reporting incorrect information and information that is not mines. From the several complaints written here on the consumer financial protection bureau from similiar service members and veterans I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

These are the companies that are all 3 of my credit reports that are inaccurate and not mine : XXXX XXXX / XXXX / XXXX XXXX
Consumer complaint received 2018-07-27
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TN)

XXXX  XXXX XXXX  is not reporting the payments I make each month to XXXX, XXXX, and XXXX. I reached out to then Via email and they said they send the information over to all 3 credit bureaus and theres nothing they can do about it. I have reached out to all 3 credit bureaus and each advised that XXXX  XXXX XXXX simply is not reporting my payments. The only payment they are showing is for XX/XX/XXXX nothing after XX/XX/XXXX.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

To Whom It May Concern : My name is XXXX XXXX and I am a Walmart Credit Card holder. I use my card tremendously and I am excited to have it. On XX/XX/XXXX I made a payment on my bill for {$100.00} that payment was presented to my bank account at XXXX XXXX and later returned. On XX/XX/XXXX my account with Walmart was closed because the payment was returned. I am beyond XXXX off because I have and had enough funds in my account to pay the {$100.00}. 

I on XX/XX/XXXX got in contact with my bank and told them about the situation of the payment being returned. I was then told that the debits were processed before the credits hit the account. Even though the all these transactions were done on the same day within seconds of each other. I have a printout of the transactions showing all the transactions. The direct deposit was pending on my account on XX/XX/XXXX and posted on XX/XX/XXXX. The payment from Walmart was also returned on theXX/XX/XXXX even there were more than enough funds in the account. I was told that I could have contacted them to pay the items but, that is something most customers arent aware of. 

I work hard to keep my credit cards and I work hard to get them. I would never intentionally make a payment and not pay it. I pay my bills each and every month. I, dont feel that this is my fault and my credit card should be re-opened. I have since made two payments on the account as well. 

I am asking you to please re-open my credit card account as this is not my fault and I should not be penalized for it. 

Respectfully Submitted,
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (LA)

I have reached out to this company and all three credit bureaus multiple times within the last 90 days to no avail. I requested information pertaining to the validation of this debt and well as this agency right to collect within the state of Louisiana. They have not responded at all but continually violate my consumer credit rights by keeping this account listed on my credit reports.
Consumer complaint received 2020-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/20 I requested my bank ( XXXX XXXX XXXX XXXX  ) to wire transfer {$10000.00} to my XXXX XXXX account and the wire transfer was completed the same day at XXXX. The money was and still never received in my XXXX XXXX. The corespondent bank is Wells Fargo Bank which is who XXXX XXXX uses to receive wire transfers. I have exhaust all means of resolutions with my bank, Wells Fargo Bank and XXXX XXXX to no avail. Attached is the copy of the wire transfer conformation showing that Wells Fargo received the {$10000.00} wire transfer for XXXX XXXX XXXX.
Consumer complaint received 2020-09-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have disputed an account with Portfolio Recovery through XXXX and have yet to receive a satisfactory response. I know this debit is well over 7 years old, however, the collection company keeps updating it fraudulently and XXXX keeps allowing them to do this.
Consumer complaint received 2020-09-13
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 have disputed an account with XXXX XXXX through TransUnion and have yet to receive a satisfactory response. I know this debit is well over 7 years old, however, the collection company keeps updating it fraudulently and TransUnionk keeps allowing them to do this.
Consumer complaint received 2018-07-27
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: SYNCHRONY FINANCIAL (VA)

On XX/XX/2018 the amount of {$1100.00} was paid on my behalf to a XXXX  office. The XXXX have been made twice because the first set did not fit properly the second set is a worst fit than the first. To make a long story short I have no teeth as of today and a set of XXXX  that are of no use to me. I have asked several times for the XXXX  office to refund the money to the credit card agency and they have refused.The credit card agency is siding with the XXXX  on all of the disputes that I have made with them.
Consumer complaint received 2020-09-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The selections given for this dispute were not given, as there are many things going on with these agencies, none of these three agencies up hold the Federal Fair Credit Reporting Act, all disputes are ignored and they consider changing dates, or addresses, or names validating a debt!!! First of all why arent we asking to show original documentation of the debts by the original companies and the contracts that any such debt exist? That's validating a debt, instead they send information to help these fraudulent collections to remain on my credit report and holding my FICO scores down with there fraudulent activity!! None of these agencies have contacted me in writing, none of these agencies have called me, none of these agencies have validated that I owe any such debts!! I have one collection agency trying to collect a debt for XXXX, and right next to to that is my outstanding credit with XXXX which is an active account and all of the credit bureaus just play XXXX like they dont know how to investigate that!!, XXXX refuses to allow me to do anything because they are so outdated with information it's ridiculous. All the address they have belong to my family and dont show very many of mine!! My daughters address they are showing as my current address and they refuse to change it!! THIS NEEDS TO STOP RIGHT NOW!!
Consumer complaint received 2018-08-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (FL)

I have been with Mobiloans for 4 years and through their reward program, I earned the status of Diamond. Diamond status would allow me to receive an 80 % discount on fees. As of XX/XX/2018 the fee discount will be reduced from 80 % to 65 %. My fees were {$22.00} every two weeks and now they are {$38.00} ( an increase of {$16.00} ). I called Mobiloans on XX/XX/18 and inquired about the increase that I noticed on the website. She advised me that everyone has to pay the increase. I called again today, XX/XX/18 because the fees are too high and will take me longer to pay off the loan. The first representative tried to tell me that there was an opt-in or an opt-out and the time has passed to select either. I told the representative that I had no knowledge of an option at all. And at no time did the representative advise me that their was an opt-in or opt-out from the XX/XX/18 call. I asked to speak with the Supervisor and I was connected to XXXX. She told me that she would review the call from XX/XX/18. XXXX advised me that they will not be able to change the opt-in or opt-out since I didn't give the representative at the time my choice. I reiterated to XXXX that I was never given a choice and I believe this to be deceitful and I plan to file a complaint with the CFPB. She then advised me that she would send it over to her legal department. I never received an email regarding the increase either. Nor did the website advise of an opt-in or opt-out.
Consumer complaint received 2018-07-27
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: EQUIFAX, INC. (TN)

I have sent letters repeatedly to Equifax, XXXX, and XXXX  asking them to validate and even show me their method of verificatiion for these fraudulent accounts on my record. I have sent numerous letters to the creditors and this bankruptcy court in XXXX, TN only to have my letter returned right back to me more than twice. I am reaching out to the CFPB for some kind of resolve before I seek legal action. 

The following accounts and inquiries are not mine : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Bankruptcy Chapter XXXX - Dismissed - XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2020-09-13
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)

I have been trying for well over a year maybe to get 4 credit accounts off of my credit report. The items are XXXX XXXX Account # XXXX {$8300.00}, XXXXXXXX XXXX  Account # XXXX for {$8600.00}, XXXXXXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX. I am unable to dispute online or with customer service representatives as my credit report is said to be handled by a special department and its hard to get in contact with them due to work schedule. But I have mailed in my FTC Affidavits and police reports and Equifax still doesn't remove the items. Disputing as fraudulent and these need to be removed as it is causing me financial harm right now.