davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (DC)

After applying for a mortgage with my current mortgage lender, this lender pulled my Experian credit report. This is fine and expected. 

Experian sold my information to a different mortgage lender who has called me, unsolicited. This is not fine. I do not want to be harassed, nor do I feel comfortable with my financial info and social security info being sold to random companies. This is personal. I was under the impression that companies such as Experian were supposed to protect my privacy, not sell my privacy. This is disgusting and I feel violated. 

I attempted to contact Experian. However, their customer service is set up in a way to prohibit customers from getting serviced by a human person. Given that I have XXXX  health challenges that make it difficult to type as I am forced to do now to explain myself, I needed to speak with a human. This was not possible using the customer service number provided on their website, XXXX.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX XXXX- Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original creditor : Medical ) - Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (AL)

This is a follow up to complaint XXXX. 

Yesterday, XX/XX/2021, Commenity Capital Bank XXXX, ex XXXX, XXXX XXXX, contacted my son, XXXX XXXX XXXX, in XXXX, CA, who is XXXX years old, and was asking question about me regarding a debt owed. How in XXXX these XXXX  got information about my son, I don't have a clue. This is continued harassment about debt that does not and never has belonged to ME! XXXX  the XXXX  down!
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (LA)

New re-fi mortgage with United Wholesale Mortgage. First payment of {$1100.00} due XXXX. Scheduled payment through my banks bill pay. Payment was rejected by processor. Reentered the information and scheduled another payment. It too was rejected. Had XXXX draft both payments from my account to become current on the loan. They reported me to the credit bureau as being over 30 days late. You would think they would offer me some type of grace period before reporting me as late considering this is a new loan and there is obviously some issue with bill pay ...
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NY)

Discover Bank XX/XX/XXXX I sent a Notice of Adequate Assurance of Due Performance, Personal Affidavit, Bank Affidavit. I received a bill and a templated response. 

XX/XX/XXXX On XX/XX/XXXX Discover Bank sent a person to serve me a FAKE civil court summons. They did not serve me directly they served my brother. A statement of this incident of harassment has been attached in the pdf. 

XX/XX/XXXX I sent a Notice of Default and Opportunity to Cure. I received a templated response. 

XX/XX/XXXX I sent a Verification of Debt Letter. I received a bill and a templated response. 

XX/XX/XXXX I sent a Notice of Pending Litigation. I received a bill and a templated response. 

XX/XX/XXXX I sent a Notice of Pending Litigation. I received a bill that was said to validate NOT VERIFY the debt. 

XX/XX/XXXX I sent a request for a Method of Verification. I received a bill and a templated response. 

The inaccuracies are as follows : DISCOVER BANK The reporting across all the agencies is inconsistent. 
The charge-off date has been reported month over month which has left an inaccurate Date of Last Activity. 
Not verified debt.
Consumer complaint received 2021-08-18
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: STERLING JEWELERS, INC. (VA)

Kay Jewelers is reporting a charge off account and payment history past the closed and paid in full date. 

Kay Jeweler- Closed XX/XX/XXXX the balance is {$.00} however they are reporting that the account charged off in XXXX I attempted to contact the creditor but was told the information is correct. The account was closed with a XXXX balance in XXXX and could not have charged off in XXXX because there was XXXX balance. Please assist me with reporting the account accurately.
Consumer complaint received 2021-08-19
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. (IL)

Over thirty days ago, I wrote to Credit Bureaus dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these misleading information such as a wrong status has been removed.
Consumer complaint received 2021-08-19
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. (NJ)

I leased a car from XXXX in XXXX, NJ in XX/XX/XXXX. When it was time to turn in the lease in XX/XX/XXXX I decided to purchase the vehicle. I went to the dealership and took out a loan on XX/XX/XXXX with XXXX to buy out the vehicle. I got a loan through XXXXXXXX XXXX XXXX to purchase the vehicle. A few weeks later I started getting calls, texts and letter in the mail saying I have a past due balance of {$1100.00}. I called the dealership and they assured me I have no past due balance since I bought the car. The account is now showing 60 days late on my credit report and dropped my score almost 100 pts. I have talked the creditors every time they call and have explained to them, I have sent them email copies of the purchase contract and yet this has not yet been corrected.
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

Apparently there was a credit card from amazon opened in my name under an amazon account that I do not own. The card was being used and payments were being taken out of my account. Amazon would not give me access to the account that was closed and I could not log in to dispute with the bank because I did not have the card info. I have tried numerous times to contact the bank as well as amazon with no luck.
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (NJ)

Experian XXXX XXXX have all reported my credit score wrong some of injuries, My credit score never goes up only goes down I've had a XXXX score for A year and a half now That's all the keep reporting my score yet
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

I received a collection notice from Covergent regarding an account that was paid. I have sent them correspondence showing that it has been paid and asked that they stop contacting me about this debt. They refuse and have since sent more collection letters via the mail. This is harassment and they must be stopped!
Consumer complaint received 2021-08-18
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)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-08-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CUSTOMERS BANCORP, INC (GA)

On XX/XX/XXXX and XX/XX/2021, I signed Promissory Notes with XXXX to receive a {$20000.00} PPP loan. The app in question is SBA # XXXX. The notes listed Customers Bank as the lender. I was told that it would be funded within a couple of weeks. 

The loan was never funded. When I called, emailed and chatted with XXXX, they advised that the lender is Customers Bank and that I needed to contact them. Customers Bank representatives are unable to find information and repeatedly replied that the concern is being escalated and someone will reach out. No one has ever returned any correspondence. 

On XX/XX/2021, the SBA confirmed that the loan was first dispersed on XX/XX/XXXX to Customers Bank and then was showing funded on XX/XX/2021. I have not received these monies and am unable to get an explanation from XXXX and Customers Bank. I am concerned that I will be held liable for this government loan that I did not receive. Please help.
Consumer complaint received 2021-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (ID)

On XX/XX/XXXX I was notified that there was a new CREDIT INQUIRY on my credit report- pulled by Capital One. Ive not applied for a Capital One card nor did I give permission for them to pull my credit. This is a hard inquiry and I want it removed
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (LA)

On XX/XX/2008 I tried to pay for money transfer service with my card at XXXX in the amount of {$2700.00}. The card declined 3 times. XXXX Said the transaction did not go through. I emailed my bank CashApp and asked for funds to be released back into my account and was advised it would take 10 days. After 10 Days the money was still not released back into my account. I have been in contact with Cash App for over 2 months regarding this issue. They have not put my money back in my card. I went back to XXXX and they advised me to go to the bank for help.
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (MI)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-19
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (NM)

My mortgage company is refusing to update my credit file as it has not been updated since XXXX  of this year. I have called on 6 seperate times over the last two months as I am trying to buy a car and I have brought my account current. I was told repeatedly that they refuse to honor my request and they have updated it. When I point out to them that that the last update was XXXX they refuse to pass me to anyone else because no one will tell you anything different.
Consumer complaint received 2021-08-18
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: SYNCHRONY FINANCIAL (NY)

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SYNCB/XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-18
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. (TX)

On XX/XX/2021, I applied for and was approved for the Citi XXXX XXXX XXXX XXXX MasterCard credit card. The promotion was XXXX bonus miles after spending {$5000.00} in the first three months. 

On XX/XX/2021, I noticed they were advertising a promotion for the same credit card that also included XXXX bonus XXXX XXXX Elite Qualifying Miles after spending {$5000.00} in the first three months. 

On XX/XX/2021, I called Citi to ask if I could take advantage of the new promotion as I had not even received the new credit card in the mail, and they informed me that it was for new applicants only therefore I did not qualify for the promotion. 

Citi informed me that there was a process in place to prevent me from being able to take advantage of the current promotion even though I did not have possession of the card I applied for and was approved for on XX/XX/2021.
Consumer complaint received 2021-08-18
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: Duvera Billing Services, LLC (PA)

The XXXX  and XXXX  Credit Bureaus are reporting inaccurate information on EASYPAY/DVRA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-08-19
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. (NY)

I sent a letter to Equifax on XX/XX/21 about what I believe could be a possible violation in return they sent me a letter asking for proof of identity. Immediately I sent another sending the required documents but since than I have yet to receive a response from Equifax regarding these consumer credit transactions.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo reps have not addressed non-receipt of settlement checks which are inadequate, do not cover damages caused by unauthorized accounts. Reps reply with information showing checks cashed and or supposedly verify address sent to which I was not living at the time of issue, claim address was verified but have not shown and proof of such. Further, a XXXX replied addressing a request to close current Wells Fargo account in which case has nothing to do with non-receipt of checks which do not cover damages. I was offered a settlement amount of {$3700.00} by XXXX XXXX in XX/XX/XXXX, no payment received to date, I moved from address in XX/XX/XXXX, anything sent to old address via XXXX, XXXX would not be received. This matter was investigated, a second check supposedly re-issued, sent to old address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. I was working with a XXXX XXXX at the time, he requested check sent signature required via XXXX, nothing received. Further, a second check in the amount of {$500.00} which represents a phone mediation between myself, two Wells Fargo reps and a mediator was not received, also sent to old address.. In case anything sent via USPS, I have not received anything from Wells Fargo since moving in XX/XX/XXXX. As stated before, Wells Fargo reps reply by showing checks cashed and or verify address sent to which I did not live at the time, does not address issue of non-receipt. Further, the total of checks, {$4200.00}, does not cover damages sustained due to these fraudulent accounts opened in my name. Also, the mediation letter supposedly sent to me, agreeing to {$500.00} payment was not received, not signed by myself. I believe the person ( s ) now living at address may have intercepted document including two checks, forged my signature, cashed in my name. I've detailed this information in prior CFPB complaints, which are numerous and will continue to be filed until resolution made which includes a reasonable settlement offer which covers damages and includes missing payments. Again, Wells Fargo reps reply by either verifying checks cashed, in which case not by myself and or verify address which I did not live at the time.. Most recently, I've been calling Wells Fargo executive phone bank, given various bogus numbers to mediation dept, all incorrect. In order to locate correct number, I had to call the company whom issues checks, Epic, was provided with correct number which I've also been calling, spoken with numerous reps including two managers by the name of XXXX and XXXX, no resolution received ... It appears Wells Fargo reps are trained to give out incorrect numbers in order to dissuade customers like myself from reaching correct dept, which the CFPB might want to look into and launch an investigation into Wells Fargo handling of this matter.