davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WI)

XXXX reported my paid off loan to Experian. My credit limit was increased and other loans were made and paid in full and on time. Because XXXX showed my first loan was paid and NO NEW loans were reported, my credit score was lowered instead of increased by the repayment of more loans.. This is damaging and has prevented my establishing new lines of credit due to a lower than actual score if all " Eligible '' loans were reported. 

In 2 years I had multiple loans and payments, all paid on time or early in full without a single late payment. 

They claim that not all loans are eligible for reporting and that is not in dispute. What is in dispute is that the loans not reported are identical contracts language wise as the previously reported loan, but were of different contractual amounts and term length which were 12 months instead of 6. 

The problem is the conflict of interest. With failure to report my perfect credit history with XXXX, it has severely limited my ability to seek other credit lines and reduced my ability to increase my credit score leaving me with only XXXX as as " XXXX XXXX XXXX '' Their policy in this matter is a racket to maintain a monopoly of sorts by preventing me from seeking other and better options. 

This has damaged me as the failure to report has lowered my score instead of increasing it. The ability to rent, purchase, or get credit without security deposit and extreme interest rates has been suppressed. 

XXXX  actually offered and I accepted a credit card to be used at any location. But I have to " Prearrange '' the transaction and amount before purchase. I have been turned down for other lines of credit that I would have qualified for if my paid off and current loans had been properly reported.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (FL)

Apple Card/Goldman Sachs is reporting my account to all credit bureaus that Ive missed multiple payments and that there are 30+ days/60+ days delinquent payments resulting in the account reporting with adverse information. Every payment that shows as delinquent was deferred so the account could remain current. Ive contacted Apple Card/Goldman Sachs and they stated that they are reporting the correct information when XXXX, XXXX, and XXXX state otherwise.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC. (KS)

Optum Financial has been paying interest monthly on my XXXX cash balance at XXXX XXXX XXXX since I opened the account. They stopped paying it on my XX/XX/year>, XX/XX/year>, and XX/XX/year> statements. 

I have called and complained and they have not remedied the situation. I have even sent copies of their Rate & Fee Schedule, but they are claiming they do not owe it.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (OH)

CashApp The negative balance of XXXX On XX/XX/XXXX at XXXX am, a debit card ending in XXXX was linked to my account. 
Also on XX/XX/XXXX at XXXX am and XXXX am deposits of XXXX and XXXX were made to the account. Then the transactions were reversed and removed from my balance. 
I received a notification about the card being linked and deleted it twice. I called my bank. 
I was told no card ending in XXXX is attached to my account. I found out about the negative balance on XX/XX/XXXX. I filed a complaint the same day. They did what they called an investigation. They determined the transactions were legit and denied my claim. I received the email about the denial on XX/XX/XXXX. I would also like to know why this took over a month to show up on my account. I used my card without issue in XXXX and the beginning of XXXX.
Consumer complaint received 2024-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (CA)

I have tried to remove two repossessions from all of my credit reports. The first is with Exeter Finance ; car reported stolen and insurance claim paid out XXXX XXXX which is reported as a repo but the account was settled in divorce court
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CO)

Sent payment on XXXX and was lost by Discover Financial Services. Resent on XXXX on showed cashed/cleared on XXXX. 
Missing again as of XXXX. XXXX plus phone calls numerous disconnects rude representatives and hours on the phone and no resolution. Wrongly canceled our cards misconstruing we signed up with debt reconstruction when we did a debt " consolidation '' loan.
Consumer complaint received 2024-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (NY)

This is a follow up from yesterdays complaint against Selene finance. XX/XX/XXXX XXXX at XXXX XXXX  both myself XXXX XXXX and XXXX XXXX called Selene to follow up about an email that was sent to show proof of funds. We spoke to a rep named XXXX and she said she didnt receive any bank statements. I told her that is a lie because the young lady we spoke to yesterday said she saw my email with the the bank statement for XXXX and XXXX and to send proof I paid for XXXX, which I sent for XXXX and XXXX, but XXXX the rep is now saying she doesnt see any email and to call back on Monday. 
Selene has made an error stating that I missed a month payment which is false. My bank account shows money was removed every month from them and funds were never returned. They have also sent a 60 and 30 day late notice on my credit report which I want removed. Everyday I speak to them I will come on here to have a paper trail on each phone call and recording on what they are doing, which is taking my mortgage payment. I have proof on my bank statement that no money was returned and all money was pulled out of my account from.PLease review XXXX  and reviews on Selene finance. They are taking peoples money and saying they never paid.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: REGIONS FINANCIAL CORPORATION (FL)

Four days ago I received a text messaging -Regions : XXXX XXXX welcome to Regions! Your first message is waiting. XXXX XXXX XXXXXXXX Text help or stop. Msg & DataRatesMayApply Which I thought it was weird but I didnt pay mind. The day before yesterday I got mail to my house from the same bank regions saying that I cant take money from the atm yet because something was missing. So, I called regions today and one of the ladies asked for my ss and my name which I provided all the information. She told me there was an account opened with this information but there wasnt money there yet. They transferred me to their fraud department where they submitted a report. But when I asked them what kind of account the person opened the guy said he didnt see nothing opened. So I told him if nothing is opened how the previos person told me that it was and why is he doing a report. He just said that he couldnt speak for the previos person because he didnt know what he told me. Anyway, he told me to report it with you guys too because someone else is trying to commit identity theft with my information.
Consumer complaint received 2019-12-06
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: FREEDOM FINANCIAL NETWORK (VA)

Freedom Debt Relief misled me about their ability to negotiate ( or lack therof ) with certain credit card companies. On top of that, I think I am owed money where they took settlement money in advance and were recently fined for it. I can provide documentation of the dedicated account.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Chime Financial Inc (MA)

I signed up for the Credit Builder card from Chime, was approved, and was told I would receive it in the mail shortly. It's been two and a half months and I have contacted customer support XXXX different times now. Every time they swear they have the right information for me and every time they say all they can do is send a replacement card in the mail. After the fourth attempt at solving this, the customer service representative abruptly ended the conversation without solving anything, directly after I asked if she was aware that this is a very common issue with Chime users. Also, they keep saying that the card has arrived at my address just for nothing to be there. I'm sick of being lied to.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (ID)

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), the law specifically states that reports which only contain information about direct transactions or experiences between myself and the company making the report should not be classified as " consumer reports. '' In other words, details about my payments or account activities with these accounts are not supposed to be included in the credit report that is shared with third parties. Why are they being reported?
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bridgecrest Acceptance Corporation (FL)

I am a single mother of XXXX trying to purchase my first home I fell behind on my loan due to decrease in hours and pay during the pandemic. I have begged and pleaded with this company for late payment forgiveness for those late payments for the past two years. My account with this company is current and has been paid on time. I understand my responsibility but everyone I have spoken with will not allow me to speak with anyone that is willing to hear me out at all.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MIDFIRST BANK (NY)

In XX/XX/XXXX we put the house in market for sale and the two borrower on loan agreed to sale the house we move out the house since the realtor want to do the open house in XX/XX/XXXX we had the closing and the loan was paid in full with all the remaining payments Midland Mortgage reported they are missing 60 Days late payment to my credit report i reach company multiple time and send the proof for all the payments were made at the closing and Paid in Full letter from Midfirst Bank Midland Mortgage and requested to remove the false claim the company adjusted on one borrower credit report and completed deleted from his credit report that he never had business with Midland Mortgage surprisingly since borrower is the brother of mine he send me his credit report that Midfirst bank delete the Mortgage from his credit report and his credit report showing no mortgae and late payment I wrote the letter to the bank explaining the situation since they resolve the problem for one of the borrower why are they discriminating me but company response is our report is accurate we cant help you with this matter any further now I seek help from consumer finance to help me with matter and stop the Midland Mortgage by doing such an unfair credit reporting I have kids and I am first responder and looking to buy a house because of this unjustifiable act by Midland Mortgage my credit report showing Negative history I am very responsible person if you can see my credit history i have never in Past 14 years either make late payment or in Bankruptcy Please help me with this matter I would really appreciate it thank you.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I have tried reaching out to these companies and they will not abide by the law. Please help me get these fraudulent accounts removed. I can not obtain a place to live due to these accounts hurting my credit. Being a fraud victim is a horrific experience. Thank you so much for your assistance in this matter. 

These fraudulent accounts are the last ones still showing on all XXXX credit bureaus. XXXX, Equifax, and XXXX XXXX XXXX XXXX {$910.00} opened XX/XX/XXXX XXXX XXXX {$2100.00} opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} opened XX/XX/XXXX XXXX XXXX {$880.00} XX/XX/XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (MO)

I have been trying to contact TD bank which is associated with XXXXXXXX XXXX. At the end of XXXX, it was reported that XXXX and TD were changing the way their services were being handled. I wasn't able to log into my account. I then searched online for answers from third party sources to figure out what was going on. I have then got a notice on my credit report that they closed my XXXXXXXX XXXX account, which is in good standing, with the notion that it was closed due to " inactivity ''. This is a XXXX claim as I have paid my dues every month and more than the minum at that. I have tried to contact TD multiple times but I am hit with atleast XXXX hour hold times. I seriously can't get through to resolve this issue. I can log in and pay, but I want the account closed notice off my credit report and that the account is open and it good standing. Please contact me immediately.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I was trying to purchase dinner XX/XX/year> and my account got blocked after numerous attempts to pay for dinner. I called and they said my account was flagged and they are reviewing and would be resolved in XXXX hours. Its now been over XXXX hours and they still wont tell me why my account is on hold and keep saying that its going to be XXXX hours more and have no time frame on when this will be resolved. In the meantime I am not able to access my money for food or basic necessities.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (WY)

The following account is reporting inconsistent and inaccurate information on my credit report and is violating my federally protected rights under the fair credit reporting act the furnisher shall report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting inconsistent and inaccurate information I demand them to delete account immediately.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I leased a car and it was in a accident and totaled out it took along time for it to be totaled out and their saying that i still owe them after the car was paid off by the insurance company. The account says closed but the date says XXXX i wasnt even born then. Now they left the status open and keep charging late fees and late payments now i have 24 late payments on my credit report. Its been 2yrs. So it looks like i have a open car loan out there
Consumer complaint received 2024-08-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NV)

Radius Global Solutions company is trying to do a debt collection on me for XXXX XXXX XXXX account in Texas that does not even belong to us. XXXX XXXX XXXX account # XXXX. 
Radius Global Solutions ref # XXXX I created a fraud case with XXXX XXXX XXXX  but they denied with the comment that I have to contact XXXX XXXX. 
Radius Global Solutions have denied to give me any details of this case and now applied a credit card on my name. Please help me to restore my credit and get rid of this fraudulent activity.

Phone Number for Radius Global Solutions XXXX address:XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (WY)

I had a loan with Toyota motor credit and the vehicle was repossessed because I was XXXX XXXX XXXX XXXX XXXX and the company is reporting inaccurate/inconsistant information to all XXXX credit bureaus and negatively affecting me to obtain new credit.the fair credit reporting act states that im entitled to XXXX accuracy on acounts reporting to my credit file and Toyota mtr is violating my rights.please investigate and delete this account from my credit report Toyota mtr account # XXXX the balance, date of last payment, payment history, payment amount, term length, account status, credit limit, are all reporting inconsistent information.delete account immediately.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (TX)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (WY)

The following account is reporting inconsistent and inaccurate information on my credit report according to the fair credit reporting act I'm entitled to 100percent accuracy and XXXX XXXX XXXX account # XXXX is violating my federally protected rights.i demand them to delete this account from my credit reports immediately