davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-03
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. (MD)

Disputed information on Experian credit report about XXXX XXXX XXXX mortgage. The mortgage was included in bankruptcy discharge XX/XX/2015 and the account still has the activity from prior bankruptcy being reported. When attempting to dispute - prompted that unless new information was obtained, new investigation not available. 


1. The first investigation was not updated. 
2. The accounts activity, history and balances are being reported incorrectly 3. The account is closed. 


per FCRA : This item ( s ) is ( are ) inaccurate because ( list exactly why each item is incorrect or incomplete for instance, The debt was included in my bankruptcy and is only allowed to be shown as a XXXX balance-discharged in bankruptcy. No other negative information is allowed to be listed on that trade line. 

Further all other accounts that were included in bankruptcy are being reported this way and need to be reported correctly.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

i was a customer to XXXX XXXX in XXXX XXXX to XXXX. I have returned the device to XXXX store after relocating to XXXX, Texas. They accepted. But reported to CRA as collection with amount XXXX $ in XXXX. I provided proof and they deleted this collection account. But now without informing me they have published another collection account to my credit report thus hurting my profile. Remove this account immdiatelyXXXX.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

Attempted to request my Experian credit report on XX/XX/2018 from XXXX. Received this error : A condition exists that prevents Experian from being able to accept your request at this time.
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

XXXX XXXX XXXX. somehow indicated a debt on my account. I called XXXX at least 3 times and confirmed their system was fixed and doesn't show any debt. Then, coming out of blue, debt collection agent starts to call my cell and send me mails regarding {$160.00} debt, which is not valid at all. I called both collection agent and XXXX and nobody knows what happened and what to do. Now, a different collection agent starts to send me mails for this debt. This is so ridiculous and unacceptable.
Consumer complaint received 2018-07-06
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: EQUIFAX, INC. (FL)

fraudulent credit card opened under my name listed under my old neighbors address. I would like to press charges against her. credit card company is XXXX XXXXXXXX XXXX. the neighbor who stole my identity is named XXXX XXXX from XXXX XXXX Fl XXXX. She works at XXXX XXXX XXXX. she opened a fake account under my name for XXXX $ and maxed it out I caught her from my alerts on my phone. the address of delivery was her XXXX XXXX XXXX.
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (NY)

I Filed a CFPB Complaint # XXXX in XXXX against TD bank in their response which is on record they stated that they run my credit to obtain my credit report during the investigation without my consent this is a violation and identity theft. They proceeded by saying i was disputing another account and obtained my alleged place of employment they infringed on my consumer right to privacy, They then had their logo displayed in the response letter which is a violation 15 USC 1692F ( 8 ). TD BANK IS CIVILLY AND CRIMININALLY LIABLE FOR A {$1000.00} PER EACH VIOLATION. 

I am sending this cease and desist as my warning before i proceed to getting ready for litigation and when that happens i will be seeking remedy for all the violations and emotional distress this has caused me
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I am trying to arrange a balance transfer and need by full account number. Best Buy/Citi will not provide it, nor direct me to person with that authority. Statement only has last found numbers. I do not have the physical card as they had closed it out a while back and I shredded card. They say they can not give me a new card, as they had closed it. I made all payments and want to pay off last {$1100.00}. I asked XXXX, the supervisor, who there could or could tell me who to talk to and he hung up ( he said there was no one above him in organization I could speak with ). 

I just need my account number, please.
Consumer complaint received 2022-08-23
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. (FL)

Experian did not properly investigate this account. They are breaking the law by ignoring me. 

In accordance with the Fair Credit Reporting Act, the below account, 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 an account without my written instructions. I have never had a collection issue with XXXX and they admitted it. Account in Violation of the Act and Law : XXXX XXXX ( ACCOUNT NUMBER : XXXX ) This account must be DELETED.
Consumer complaint received 2021-10-19
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: Experian Information Solutions Inc. (NY)

This collection agency is attempting to collect a debt for XXXX, and reporting this debt to the three major credit reporting agencies. This debt originated in 2011 ( found out after contacting original creditor directly ) which is well past the statute of limitations for collection of a debt or reporting to credit reporting agencies. Fraud case opened as this is an identity theft case. Past collection agency XXXX and XXXX already deemed this debt unverifiable. After multiple disputes with CRA, somehow eastern account systems keeps reporting back a debt as verified even though it is 10 years old. Considering legal action against all parties if collection activity and reporting to CRAs does not stop immediately.
Consumer complaint received 2022-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Sometime last XX/XX/XXXX, I found out after I was denied credit, I requested a copy of my credit report and found out that I was a victim of identity theft. I went to the XXXX XXXX Police Office and reported the incident. I called and sent a letter to all the creditors and submit a copy of the police report. It took a long time for me to fix this but 95 % of the creditors agreed that I am not responsible on these debts. I did have a problem with this XXXX XXXX XXXX XXXXCapital One account per the collection agencies. This account has been reported as my account on XXXX Credit Reporting Agency since XXXX. I was recently denied personal loan by XXXX XXXX because of this collection that is not mine as explained to both XXXX and XXXX XXXX since XX/XX/XXXX and they still continue to report it as a collection. I have repeatedly requested to XXXX also to dispute this with the creditor within 30 days from the time I sent them the letter but they didn't act on it and then I found out that they reported me as deceased which I was really very very upset and complained directly by phone call and letter to XXXX to correct it immediately. 

I don't know but Capital One approved me for a credit card last year and I have maintained a good credit history with them. I called them and told me that they don't know anything about the account being reported by XXXX XXXX. Please help me with this company clearing my name asap and with XXXX in which I can't get a personal loan because they are reporting this as a bad credit and a past due account. It was opened sometime last XXXX I believe on XXXX and XXXX XXXX started opening the account sometime in XXXX up to this present time. Attached are copies of documents I sent them to clear my account. 

Thank you very much for your attention and consideration in helping me clear my name as I honestly saying that I was a victim of identity theft. My credit standing and history is excellent at the present time after I cleared out my name on this mess. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( Phone ) XXXX XXXX XXXX XXXX XXXX, GA If you need me to send you the document for your review, I would be glad to email it to you if you request it. Thanks and God Bless! 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-04
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: Lending Club Corp (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on LENDINGCLUB CORPORAT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( LENDINGCLUB CORPORAT XXXX )
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Inaccurate information reporting on my credit report that are not mine. I have contacted Equifax, XXXX, XXXX several times via phone, online and via first class mailings on many occasions in regard to inquiries that is reporting inaccurately. I even provided a police report and I get the same response each time that they have been removed but they are still appearing on my report. It makes it look very bad on my credit report and reporting negatively/inaccurately. I am trying to finance something on my credit report and it makes it very difficult when theyre checking my credit and this inaccurate information is appearing. I have disputed and reached out to Equifax, XXXX, XXXX several times and they say the same thing over and over, that we have removed them but they have not sent me anything in writing with proof of the removals. After they were going to mail out letters confirming the removal of the disputed inquiries. Equifax, XXXX, XXXX needs to provide proof of validation of these being removed and the results of my disputes. When I call Equifax, XXXX, XXXX they keep telling me that their handling it and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries is what is being reported : 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 How can all the bureaus be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect. In addition my Equifax and XXXX score does not reflect my credit profile.
Consumer complaint received 2021-10-19
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. (PA)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2022-08-23
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)

In accordance with the Fair Credit Reporting act XXXX accounts XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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.
Consumer complaint received 2022-01-04
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. (AL)

I applied for a auto on XX/XX/XXXX and was horrified to find out XXXX is reporting a XXXX credit score. I have no late pays, no delinquent accounts, no outstanding balances, etc. for about six years. In fact, I have exceptional payment histories for all of my accounts. I have paid in full several accounts. Why is my credit score so low with XXXX? About 6 months ago I had a XXXX credit score. Something illegal is going on with this company 's reporting. 

I complained to XXXX XXXX XXXX about this XXXX credit score and she suggested using another credit bureau. Same thing with Experian - XXXX credit score. My credit score should be going up and not down. No missed payments, no late payments, etc. I just paid off some credit card debt. XXXX XXXX XXXX approved me for an auto loan back in XXXX in which I paid in full in XXXX when I purchased an upgrade. XXXX refused to approve for the upgrade and I had no problem seeking finance with another company. Again, XX/XX/XXXX was declined due to high DTI. This is not true because I double-checked my credit report and no way am I XXXX DTI -- XXXX  DTI. I believe this is personal because int the past I had a run in with one of the finance reps. This is a dishonest company and is in violation of federal law -- retaliation.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (WI)

I want to close my Comenity Capital Bank/IKEA Project card because they billed me over {$30.00} in late fees and minimum interest for a {$3.00} interest charge that I did not know I owed. I logged into my account online on XX/XX/22 and paid the full balance, {$1400.00}, that was showing. I then was charged {$3.00} in interest on my XXXX statement, which I was unaware of. I logged into my account online today and learned for the first time of the {$3.00} interest and that I have been charged late fees and minimum interest fees. I paid the total outstanding balance. I then tried to close my account. Online it says that to close your account you have to call the Customer Care phone # on the back of the card. It does not provide any other options for closing your account. I called Customer Care at XXXX, which is the # on the back of my card, and it does not give an option to close your account, or to speak to a customer care agent, or to say that you're calling for another reason. The only 5 options it gives you do not apply. After cycling through these options 3 times, I was finally transferred to an agent. She told me that she could not help me and that I had to call the Customer Care #. I told her that I had called the Customer Care # and that it gives me no option to close my account, talk to an agent, or indicate that I am not calling about any of the 5 options, and that I was put through to her. She told me that she could not help me.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a natural person and a federally protected consumer. On XX/XX/2021, Transunion received my notarized affidavit disputing fraudulent and adverse items on my consumer report. The original notarized affidavit letter is enclosed. 
Transunion negligence has caused me harm, since it has affected my ability to obtain new credit. In pursuant to 15 U.S.Code 1681b, I did not give Transunion written consent to report the listed items on my consumer report. 

Under the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( A ), you had 30 days from receipt of this letter to respond to my request for reverification of the erroneous items. Since I have not received a reply from you within these 30 days, the information was either inaccurate or could not be reverified, thus according to provisions 15 USC section 1681i ( a ), the items must be deleted immediately. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I am a natural person and I am pursuing my legal rights under 15 USC 1681n, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}. Who gave Transunion permission to furnish a consumer report with my personal private information? I did not give Transunion consent to furnish a consumer report with my personal private information. I am demanding that you produce a contract between I and Transunion showing that I granted you the permission to furnish this consumer report. If you have that information, have a senior executive send me a notarized affidavit stating that I granted permission to Transunion to furnish my consumer report.
Consumer complaint received 2018-07-05
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: JPMORGAN CHASE & CO. (NY)

XXXX XXXX fraudulently charge my Chase Credit Card of Erroneous amount of {$310.00} for NO evidence of the weight of luggage.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

I signed up for and was approved for a XXXX Credit card in XXXX of 2021. When I made my initial purchase ( only purchase made to date ) I selected the " XXXX XXXX, 60 months equal payments '' At that time the payment for 60 months was to be {$400.00} per month. Recently starting in XXXX, my accounts minimum payment has increased to XXXX dollars. What I have learned in dealing with Comenity Bank and XXXX is that Comenity is no longer servicing XXXX customers. And that the old customers ( such as myself ) were retained by Comenity Bank. Comenity Bank went through a major upgrade on XXXX and there entire system was down for a week or more. After that update, is when my payments changed. It appears that they no longer have me on the " 60 month equal payment plan '' and my account has been defaulted to a standard revolving credit account. I need the terms of my original purchase to be honored. I need any and all late fee 's to be reversed. I have made every payment of XXXX dollars since my purchase. I have tried numerous times to work with Comenity and XXXX to get this resolved. XXXX, although they agree with me and have explained to Comenity what happened, ultimately are unable to help get it resolved. Commenity, is unwilling to listen and to date have not offered any resolve to the matter. I still have my original purchase email which clearly states that I chose the 60 month equal payment option.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (FL)

McCarthy, Burgess & Wolff and doesnt have any relationship with XXXX  and XXXX is not my account number. Also another party is calling me called XXXX XXXX XXXX XXXX. They said they hired a private investigator from XXXX XXXX XXXX company. I did some XXXX research and it says it is a scam, and it looks like they are saying the same things over and over. I have an active and current account with XXXX XXXX XXXX.
Consumer complaint received 2022-08-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (SC)

I believe that XXXX XXXX is erroneously reporting the amount of debt on my credit report and have added fees/ charges they are not entitled to receive, resulting in a higher balance for me. The account has been forwarded to a collection agency ( Spring Oaks Capital ) so is negatively impacting my credit. I've tried to pay a fair amount to settle the account ( {$600.00} ) but they won't accept it. I've called the collection agency multiple times and XXXX tells me they can't adjust the amount. I'm willing to settle for {$600.00} but I don't feel it's right to have to pay the extra charges they chose to add on.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. BMW FINANCIAL SERVIC XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.