davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (OH)

I am a cardholder of a Lexus Pursuits Visa credit card issued by Comenity Capital Bank and I was offered a rewards points promotion to earn XXXX points per XXXX dollar spent on restaurant/dining purchases up to XXXX bonus points valid from XXXX XXXX XX/XX/year>. I activated the offer when I received the notification back in XX/XX/year>. I received a confirmation that I activated the offer. I did not earn the bonus points I was promised. I have made several attempts to get this resolved by contacting the company multiple times. I even went to the company 's secure message center and uploaded screenshots of the offer along with the confirmation I received that I activated the offer. Every time I call the company, I am getting the runaround. I am promised callbacks which I never receive. At one point, a representative calculated the amount of bonus points I should have received and told me she was sending it to her supervisor to get approved. I was told the last time I called and spoke to a supervisor that she could see the notes on my account, and she emailed the representative working on my bonus points to contact me, and I have yet to receive a callback. After several attempts to get this resolved, I would like the CFPB to get involved to help me resolve this matter. This is not the first time I have had this experience when activating a promotional bonus points offer with this company. I feel they are being deceptive and unfair by offering their customers a rewards points bonus offer, getting them to sign up, and never delivering on their offer. If this is happening to me, I'm sure other customers are having the same experience.
Consumer complaint received 2024-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have auto pay scheduled to take out my auto loan on the XXXX of every month which I pay for on time every month. They did not take it out so I decided to manually take it out on the app. XXXX days later it took another XXXX dollars out my account. When calling them I asked for my refund and documents instating that this is getting fixed and for it to be expedited due to it being their fault and due to me needing that money for other bills. The lady on the phone was VERY rude to me AND they told me their was nothing they can do and im going to have to wait XXXX weeks for THEIR mess up.
Consumer complaint received 2024-10-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (GA)

Around XXXX, XXXX, without my permission, I was enrolled in a higher monthly internet plan. I was also enrolled in automatic bill pay without my authorization. XXXX had retained my payment information from previous payments, they began taking ACH payments randomly, not adhering to my due date, this created several NSF and bank fee 's, in XXXX, XXXX   I spoke to several representatives and finally a supervisor, and I was told that my plan was corrected and I was no longer enrolled in Automatic bill pay, and I would be credited for the return check fee 's as well as the difference in billing, when this occurred for a third time I discontinued my services, returned all of their equipment and asked for my final bill. I was told by a supervisor that due to the billing errors and the unauthorized ACH debits, they would settle my account for {$100.00}, which I immediately paid by check and noted PAID IN FULL on my check. I later began receiving several calls from XXXX stating I owed them {$580.00} for the equipment. I called and supplied them with my XXXX shipping receipts. I thought that was the end of it, I did not receive any further collection attempts. On XX/XX/year>, I learned that XXXX had sold my information to a collection agency and the agency placed a collection on my credit report for an additional $ XXXXThis does not make sense because it exceeds my monthly bill. I spoke to the agency and was told I couldn't prove that XXXX had given me a settlement for my account and that the debt was valid.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I scheduled at the beginning of the week, a XXXX internal automated transfer to cover my upcoming charges on my checking for XX/XX/year>. 

Capital XXXX told me the automated scheduled transfer was only executed at XXXX XXXX. 

But it also received legit ACH withdrawal requests few minutes after midnight, meaning about XXXX hours before the automated transfer was executed. This caused withdrawals to be rejected for lack of funds. 

Because of this sequencing / ordering, where XXXX XXXX executes scheduled/planned internal automated transfers XXXX hours after it accept external ACH withdrawals, it does allow the balance to become negative and therefore reject XXXX requests ; even though with the right timing and sequencing, all the transactions would have been covered.
Consumer complaint received 2024-10-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I received a response from Credit Acceptance when I inquired about not receiving notice of the auto loan debt and also what the leftover balance was. 

As you can see by the proof they provided, I do not live at XXXX XXXX XXXX XXXX XXXX, MD XXXX. 

I have lived at my current address since XX/XX/year>. So there is no way I received it because I did not forward my mail.
Consumer complaint received 2024-09-25
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: EQUIFAX, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

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.

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 informationisinaccurate.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 2024-10-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

I went into the hospital and my other half was trying to handle finances and wasn't so i got out and was dealing with calls while in the hospital and they wouldn't stop calling my work. They call a minim of 2 times a day a maximum of 5 times a day every day in the last week they have called me a total of 23 times and 16 of those were to my work number. This is insane they called me hours after I had a discussion with someone else. 
I am waiting for my paycheck to come in so I can make all my payments to date or pay it off but this is harassment I can't even be near my phone my XXXX  is through the roof and I already got told off for wasting company funds because the call center was taking in their calls and sending messages to me. These people sound like they're calling from their cars or public spaces and want me to give my bank info to them over the phone it's so uncomfortable.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

id theft victim these following accounts do not belong to me XXXX XXXX XXXXXXXX XXXX. Authorized user $ Not my account XXXX XXXX {$2300.00} Authorized user not my account XXXX XXXX {$590.00} Authorized user not my account I had to call XXXX XXXXXXXX and report the user of this card. I have my own XXXX XXXXXXXX card. 


XXXX  XXXX card ending in XXXX balance is paid in full
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CA)

debt collection abuse threats said they would sue me for a debt that was paid in XXXX reposes car only gave me 1 hour to pay lien on my house they use many phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

I opened a business account for my llc in 2024 and was also offered a credit card with a XXXX XXXX Credit Limit. My balance is less than {$4000.00} and in late XXXX without any warning the Credit Limit for the LLC  credit card was lowered to {$3000.00} USD! This is a business credit card needed for business expense not a card tied to my checking account balance. It is terrible practice to do this to business customers and use the signer as the credit worthy entity. It is an LLC not a Sole Prop and Chase is mixing Corporate entities with Personal ones. Noowhere in the disclosure it is mentionned that personal information will be used against Credit Limit of LLC!
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : Current Address ( es ) : 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 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
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting 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. 



XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States | 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 2024-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (CA)

US BANK AND XXXX XXXX XXXX IS REPORTING INACCURATE INFORMATION TO XXXX XXXX XXXX AND XXXX XXXX WHICH IS CAUSING ME TO NOT BE ABLE TO OPEN UP A BANK ACCOUNT IVE ASKED THEM TO PROVIDE ME WITH THE INFORMATION THEY USED TO VERIFY THE ACCOUNT WAS MINES ALONG WITH MY WET SIGNATURE AND ID VERIFICATION AND THEY FAILED TO DO SO I AM NOT LIABLE FOR THIS DEBT
Consumer complaint received 2024-10-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (IL)

VW Credit never sent an invoice to my home address ( XXXX XXXX XXXX XXXX  XXXX, XXXX IL XXXX ), and they flagged my account 30 days past due in XX/XX/XXXX ( {$1300.00} ), XX/XX/XXXX ( {$1300.00} ), and XX/XX/XXXX ( {$1300.00} ). I repeatedly called, sent letters for late payments and flags to be removed, and received no reply. I continue to send letters disputing the late fees and XXXX late flags to removed and no one replies.
Consumer complaint received 2024-10-17
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: Resurgent Capital Services L.P. (TX)

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I requested via telephone and certified letters full validation and assignment contract. I did not received anything I requested
Consumer complaint received 2024-09-25
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: EQUIFAX, INC. (FL)

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These false entries have seriously disrupted my life, resulting in considerable stress and anxiety. As a victim of identity theft, I never authorized this information to be associated with my name.
Consumer complaint received 2024-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC (TX)

I have a title loan with TitleMax on my 2023 XXXX. I believe I was misinformed or misled regarding the monthly payments because I checked back every week and the payment amount has increased.. I have paid over {$6000.00} in payments, and a loan has only lowered from XXXX total to XXXX for a payoff. I have requested an itemized statement of every payment that Ive made to be mailed to me. They refused and theres no place on the website to see my payment history, I have not had them try to take my XXXX yet and I am making payments on it when I can however, every time I log into make a payment the demand or amount they requiring higher
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (PA)

I have never had a chime account and would like to open one they say Unfortunately, based on the information provided, we were unable to open a Chime Deposit Account for you at this time. Due to security reasons, our Member Services team is unable to provide you with any further information. I call nobody can give me a answer of why like most banks would do I feel discriminated against
Consumer complaint received 2024-10-16
Product: Credit reporting 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: LEXISNEXIS (SD)

Please send my credit report I have been requesting for under the FCRA. For three months, LexisNexis has repeatedly REFUSED to mail me a copy of my credit report, even though I have submitted, online and via phone, my Full Name, Physical and Mailing Address, Phone Number, Drivers License Number, and Social Security Number. I want a copy of my Credit Report required under FCRA and they refuse to mail it, stating they couldn't " authenticate '' yet they continue to provide third parties negative reports about me the same information. 

On XX/XX/year> I received a letter via mail from LEXISNEXIS Consumer, including a Case Number, ( Attached to this complaint ) they again refused to give me a copy credit report. 

On XX/XX/XXXX, I called the LexisNexis Consumer line XXXX, and spoke with XXXX, and the Supervisor XXXX, for almost TWO HOURS, again they refused to mail a copy of my report. Now stating they could not " authenticate '' my address even thoughI received a letter via mail at the authenticated address. Please send my credit report I have been requesting for under the FCRA. Thank you
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

Dear CFPB, It is over 7 years dealing with Shellpoint Mortgage loan XXXX XXXX now as of last month they reported me as late on my mortgage. i have proof all payment being made on time. 
Shellpoint now refuses to answer my calls or even escalate this to their managers. Shel points representatives told me last week they made a mistake and they will call me in 3 months with an update. 

This is really affecting my job, financials and personal life. Shellpoint is liable for reporting me late on my mortgage and now they refuse to address this issue. 

Please help!!!
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

Citi reduced my credit limit with no real reasoning provided. I have not made a late payment and the account has no negative history. I previously had an available credit of almost {$10000.00} reduced to {$200.00} with no real explanation provided. It calls to question what about me specifically made Citi make such a decision? Again, given my positive payment history with Citi, combined with the history of banks like Citi discriminating against people of color, I am left to conclude that such a decision was levied against me for non-financial reasons.