davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

I had opened a Victoria secret XXXX XXXX I believe my limit was XXXX or XXXX. Then ingot and increase i belive for XXXX. I really didn't care for the store anymore so I called in to have the card closed. Requested my last bill or balance. Time passed I forgot about it. Then I get an update on my credit report for Over the credit limit and balance i know i I had. I very seldom use the card so my balance was maybe XXXX or less. It's showing on my report for XXXX. I Contacted comenity bank and they didn't have it a law office did. Contacted law office and they seen where account info said requested to be closed per card holder but they didn't close it. So why should I have to pay for their mistake. They were not willing to correct the info even thought they saw it on the paper work. So why should I have to pay extra for their mistake? They were not willing to correct it. Now a different company has account.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (WI)

In accordance with the fair credit reporting act, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Consumer complaint received 2023-09-22
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. (GA)

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 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AK)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Deletion of XXXX XXXX NA account ASAP I lost my job during the XXXX crisis.thats why i couldn't afford to make the payments. Once I got a job I settled the debt on XX/XX/year>. TransUnion I fill that your company is holding this account over my head so that I don't obtain a mortgage loan. If this account isn't deleted next course of action is a Lawsuit.
Consumer complaint received 2024-08-15
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: GFS, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear GFS INC., I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws under XXXX, Missouri, state laws. 

It has unequivocally come to my attention that GFS INC. has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Furthermore, Missouri state law establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for GFS INC. to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that GFS INC. immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that GFS INC. will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Consumer complaint received 2024-08-12
Product: Credit 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: CITIBANK, N.A. (MI)

My card was stolen a few months ago, which I reported to my Best Buy Citibank card. I also submitted a dispute of the fraudulent charges. Today, they added those charges back to my account and proceeded to take a minimum payment autopayment of {$920.00}, when it is only supposed to be {$200.00}. I did not receive any notice that these fraudulent charges were added back to my account, nor that my payment would be so high. I was notified by my bank of the transaction. They failed to remove these fraudulent charges, failed at providing notice that they were being added back to my account, and failed to inform me they would then be charging me almost {$1000.00} for a minimum payment. My new card has yet again been compromised as there are now additional fraudulent charges for some " XXXX payment ''. I want those removed. I want this payment returned immediately and will pay the required {$200.00} minimum payment. I will no longer enroll in autopay as they seem it is ok to take as much money as they want at any given time. IF this is not handled accordingly I will be filing a lawsuit as they failed to give notice of any of these actions. I have gone through my letters they provided and downloaded every single one, not XXXX of them has information pertaining to these charges being added back to my account or that they were deemed my responsibility since my card was reported lost/stolen. I cant even dispute these again because the old card no longer shows on my account, and those were the reason the card was reported lost/stolen to begin with.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

I had a valid verified check that I deposited from my old bank institution which was my tax refund from the IRS a teller personally put a hold on my account out of anger even after I provided the documents from my other institution and IRS verifying my check. They are refusing to get my funds and putting me in a financial hardship right now
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I submitted a request to Equifax, XXXX, and XXXX for all of my personal information to be corrected and updated. My full name is XXXX XXXX XXXX born XXXX XXXX. This is the only name that I ever went by with the exact date of birth.If there are any other names or date of births listed on my report I ask for it to be removed immediately. My only and current address is XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. Any other addresses listed on my credit report I do not reside and they arent mine. I ask for all bureaus to please remove every or all addresses that arent mine be removed immediately. Lastly, my social security number should end with XXXX. Any other social numbers listed I ask for it to please be removed immediately. Once all of my information is updated, I request an updated copy from all three bureaus, of my report to be mailed to my current and only address.
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (TX)

I am contacting you regarding a collection entry from your agency that has appeared on my credit file. This entry is of significant concern as I received no prior notification about this collection. Moreover, I have substantial doubts about the validity of the claimed debt. 

Invoking my rights under the Fair Debt Collection Practices Act, I formally request validation of this debt. I expect you to furnish this validation and take appropriate measures to address this issue promptly. 

Please note that a comprehensive response, including all requested documentation, must be provided within 15 days of this communication 's date. Be advised that an unsatisfactory or incomplete validation response within this timeframe will be deemed insufficient.
Consumer complaint received 2024-08-12
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (SC)

Made purchase last year and was told 12 months 0 % interest. Told them equal payments to ensure it was paid in full before allotted time and XXXX  {$590.00} interest hit my account. I called and asked for a copy of communication that I would be charged interest and they simply denied me a copy. I have found many that have fell victim of same issue. Its a store card for XXXX through XXXX XXXX a bread financial company.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (NJ)

Multiple inquiries on my report that XXXX not aware of. 
-XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XX/XX/XXXX -XXXX XXXXXXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX security freeze
Consumer complaint received 2024-08-12
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (LA)

On XX/XX/XXXX, this apartment complex made a collection for anothers month rent after i moved out on XXXX of XXXX. This collection is in the amount of {$1400.00}. This apartment has been under many managements from the year i lived there to now. 

I called the apartment complex which is under new management & they informed me that there is no record of this collection and no record of the old management to contact them. 

The debt collector doesnt want to even settle the debt at a lower price to close and delete this collection off my credit. 

I have sent in many documentation stating the account was once closed but they reopened it & a cease and desist.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MN)

I have filed two previous complaints with the CFBP regarding this. Discover claims my bank rejected the ach debit request. Upon contacting my local bank I am told there is no record at any time from Discover that an attempt was made to debit my account the XXXX. 

I spoke to XXXX at Discover executive relations this morning. She told me she has a document from my bank but refuses to give it to me. 

I have no way to fix this problem with my bank unless I have that document. 

There is no proof that Discover ever submitted it to my bank. If they did not submit it to the bank then the returned check fee charged by Discover is invalid and should be refunded immediately.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (AL)

Affirm Inc. and their debt collector XXXX XXXX is reporting inaccurately to credit reporting bureaus. 

In CFPB Complaint number XXXX Affirm Inc. agreed I was not responsible for a reported debt and agreed to remove their reporting from my credit report. They have not removed it and denied removal through credit report dispute process. 

Affirm 's response to previous CFPB complaint acknowledged the item is not mine, " Affirm records indicate that after additional review of your case, the Account XXXX team found you not responsible for repayment and sent you an email informing of this resolution on XX/XX/2022. The loan was labeled as unauthorized and will be removed from your credit report within Affirms next credit furnishing cycle, which may take between 30-60 days. '' Affirm has not honored their commitment to remove this unauthorized item from my credit report. It is causing significant damage to my credit history as it shows XXXX payment history and is reported seriously delinquent. This has caused significant financial hardship and threatens my XXXX security clearance and employment. 

I have provided Affirm Inc. a reasonable amount of time for this item to be removed. I have disputed the debt through XXXX providing Affirm 's own response from the previous complaint. Affirm is still refusing to remove this unauthorized item.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (CA)

In XXXX, I started self, but their program messed up, and required me to create another account to report my rent because it would not let me setup an account the normal way. This was directly supervised by self employees, who said that I would not have to worry about my rent builder since it was connected to the account. This turned out to not be the case, and I saw a XXXX pt hit to my credit, while i am looking at new leases. This is because they closed that account in XXXX and stopped reporting my rent ( which i paid for by the way ). I have tried to contact them multiple times, but each time they deflect the call and say that there is literally nothing they can do because I have to speak to their ai chatbot on the computer. It has just become a game of cat and mouse and they have not even attempted to contact me within 2 weeks. This company has completely neglected to assist me, and I wholeheartedly now believe that it is with malicious intent.
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (FL)

I will be attatching emails that show after i was emailed about the dept, it was paid the next day and following payments were made. the amount of XXXX is still incorrect.. It states this collection was open XX/XX/year> and my last payment was in XXXX, so it doesn't make sense. Also the date of XX/XX/XXXX is incorrect, this collection emailed me XX/XX/XXXX trying to collect the debt.
Consumer complaint received 2024-08-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Aldous & Associates, PLLC (VA)

I called Aldous and Associates to attempt to pay a " debt ''. I was told the only way I can do this is by paying a shady 3rd party credit site " a dollar ''. After doing this 3 times the lady on the phone became enraged and hung up. Today this scam lawyers office took XXXX dollars from my bank account under the guise of a " credit repair ''. They stole my money and have all my information.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (OR)

I am unaware of this debt and I did not have an opportunity to dispute this debt. I did not receive proper notification. If in fact you believe that I received proper notice, please provide the certified mail of the receipt with my signature on there certifying I received it. And I submit to the CFPB as my witness that this company is known to never do their due diligence as XXXX XXXX Caine & Weiner XXXX has so clearly demonstrated. And they blatantly ignore the Federal Debt Collections Practices Act ( FDCPA ) as XXXX XXXX XXXX CAINE & WEINER COMPANY , INC .
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: LOBEL FINANCIAL CORPORATION (HI)

this complaint is regarding the company XXXX XXXX XXXX  on the date of XXXX. XXXX 2024 I was told to lie to Lobel Financial By XXXX XXXX he told me to falsify my deposit that but I put no money down to the loan officer over the phone I was in coerced by XXXX XXXX a non licensed car dealer selling cars under the table for this company and I was extremly scared and intimidated when I was signing papers I did not read what I was signing XXXXXXXX XXXX and another person trying to get me to repossess the vehicle. and have falsified all my name and document even as I don't have the car. XXXX  XXXX found XXXX continues to report my payments incorrectly. incorrectly. and is a negative impact on my credit report as I will submit document supporting payments for a vehicle that is not under my name at the time of the I signed and I was shown two different contracts that had two different names for this particular vehicle that I was forced to purchase because I did not know what I was doing They continued to do this to others please. This needs to stop. They have hurt several people with their deceitful car dealership and loan financial services working together to ruin my life. I will forward all this documentation as well to the XXXX XXXX XXXX XXXX. As. as well as the IRS and the local Police Department. I hope this can stop because fraud is unfair for people trying to do the right thing.