davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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: Kikoff Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-04-04
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. (FL)

I did a review of my credit report and noticed that I had late payments on an account and I have never been late according to the credit reporting agencies and they have assumed a vital role and responsibility of submitting consumer information to the maximum accuracy. I have never been late in payment of this account XXXX  XXXX, Account # XXXX please investigate and provide proof of status showing that these payments are late, if proof can not be provided I demand that this payment be updated in a timely manner, because I I have not been behind on this account. thank you.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (GA)

I received and email on XX/XX/XXXX that my statement was due for Genesis FS Service and i never applied for a card with them. Upon speaking to customer service someone opened and account with my information at XXXX XXXX XXXX. I have requested for the account to be closed
Consumer complaint received 2024-05-28
Product: Credit card — Store credit 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. (WI)

On XX/XX/XXXX and XXXX, 2024 two unauthorized charges in the amounts of XXXX and XXXX were charged onto my Home Depot card without my permission. They were put on a XXXX interest for 6 months payment plan so as not to attract my attention. I have never in my life used these types of programs. Since XXXX I have made many many phone calls to them. Each time they would say they would be sending me the fraud papers to sign in the mail but no papers ever came. When I called again I talked to a lady for XXXX minutes and she again took all my information. Finally I received an email stating they rejected my fraud claim because the products were ordered by me and sent to my address. I am XXXX and home almost all the time and I have not received any packages. When I asked what was ordered on those days they said they did not have that information. XXXX is the amount of money I want refunded to me in the form of a check since I have closed both of my Home Depot credit cards because of this situation. This includes a credit of {$50.00} that was on my account. When I went online to see if other people are having problems with the Home Depot Citibank card the internet was flooded with stories just like mine. I have worked hard to get my credit score to XXXX. It is very frustrating when Citibank does not abide by its unauthorized charges guarantee
Consumer complaint received 2024-07-16
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: Cascade CISS Holdings, LLC (IL)

On XX/XX/XXXX, I discovered an inquiry on my credit report that I did not authorize from XXXX  XXXX. There are 2. One was done on XX/XX/XXXX and the other was done on XX/XX/XXXX. I did not authorize either of these transactions.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (FL)

I believe the account is invalid. WESTLAKE PM needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. WESTLAKE PM XXXX
Consumer complaint received 2024-01-11
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. (IN)

I has a credit card with XXXX which suddenly went out of business and canceled my credit card. I have no balance. My credit card went down XXXX pts. I did not cancel the card. There is no longer a store. Why should I be penalized?
Consumer complaint received 2024-05-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (NV)

I have been a victim of Identity theft since XXXX when I noticed items on my credit report that did not belong to me. I started to receive billing statements and late notices from XXXX cable in XXXX, I NEVER took out services or ordered service from XXXX, it was part of identity theft. I called XXXX, sent them XXXX reports, police reports and the item was deleted from my credit report. Recently the debt was sold to Berlin Wheeler Inc, a collection company who has contacted me by email, mail, phone calls and has reported this debt that does not belong to me to all XXXX credit bureaus. I previously contacted Berlin Wheeler in XXXX of XXXX, sent them proof the debt did not belong to me. They removed the collection from my credit report. Today I notice they have placed the collection back onto all XXXX credit bureaus and have sent me another collection notice.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (FL)

I believe the account is invalid. XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX
Consumer complaint received 2024-05-29
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: Bread Financial Holdings, Inc. (CA)

On XX/XX/year> I applied for Dell Business Credit and was denied. I called Dell Business Sales team to find out why and I was told that my business did not have enough credit but I could be a guarantor for the business and apply for the same card ( business dell credit ) with my personal information as personal guarantor to the business. I was approved and I purchased a few computer for my business. The customer service was located in either XXXX or XXXX and I had asked on multiple occasions weather the card was a personal credit card or business and was assured that it was a business credit card with personal guarantor. A month later I received a notification from XXXX that a new account had been added to my credit report. I immediately logged into my XXXX credit report and saw that a personal credit card account by COMENITYCAPITAL/DELL was opened in my name. I called Comenity Capital Bank and asked them to close the account and remove it from my credit bureaus as I never requested a personal credit card from them. They gave me an address to write a letter with the explanation as to what had happened to remove that account from my credit reports. A few weeks later I received the response back from them that contained irrelevant and unrelated information to my request - a generic letter stating the account was closed by my request which I knew from the get go as I closed the account but no relevant information to my request to remove the account from my credit reports. I disputed the account through credit bureaus and they kept reporting it.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I am a resident of XXXX XXXX XXXXXXXX and I am complaining against Citi Bank for my account Bank. On XX/XX/year> I opened a checking and Savings accounts with Citi Bank at CITIBANK , N.A . XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, NY XXXX. The Banker who opened the accounts is XXXX XXXX, Personal Banker NMLS ID : XXXX, phone number : XXXX XXXX. 
On XX/XX/year> I send a wire transfer, reference number:XXXX, then Citi Bank blocked my accounts for fraud. Since then, I have been calling the Department of fraud, and they told me that they are going to send me a letter which will contain a reference number which they will use to unblock the accounts. The Department of Fraud has been requesting three 3 times that those letters being sent but the Department which suppose to print them out and send them never done it. Consequently, its been two 2 months I can not use my money, I mean my own money I deposited in the Bank.
Consumer complaint received 2024-05-29
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX. XXXX Complete XXXX told us my vehicle needed a XXXX XXXX on the XXXX to fix the problem I was having with my vehicle. We paid for a complete diagnostic. They did not mention anything about XXXXXXXX XXXX at that time. We decided to allow them to complete the work on the XXXX XXXX because of what they stated their results of the diagnostic report. On XX/XX/year>, XXXX Complete XXXX contacted us to say my vehicle was ready for pick up. After I paid {$2300.00}, They gave me the key and I drove my vehicle off the lot. When I reached the Stop sign the vehicle started to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called my XXXX ( XXXX XXXX ) from the vehicle and explained what I was experiencing. I drove my vehicle home to my husband ( XXXX XXXX ). I was Completely and utterly Furious. We then took my vehicle back to XXXX Complete XXXX. I stayed outside and my husband ( XXXX ) went inside to speak to them. Two weeks later, they called to say the vehicle had been fixed correctly this time. They also stated that the work they have done carried a years warranty on parts. On the bottom of the invoice, I paid the XXXX XXXX states they have a Warranty on parts and labor for 12 months or 12,000 miles whichever comes first. 

On XXXX XXXX I set out to drive to see my grandchildren. My vehicle ended up stopping at XXXX XXXX XXXX at XXXX. I had to contact insurance and it was a nightmare. I was on the side of the road for at least an hour before the tow truck came. I had to end up being taken to the XXXX XXXX XXXX for the night because there was no other place to take my vehicle. The next morning after going through 3 additional tow truck drivers, my vehicle ended up at XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX After speaking with XXXX at XXXX XXXX XXXX XXXX, He stated that there was NO WAY possible XXXX Complete XXXXXXXX did not know my vehicle did not need a brand-new XXXX. XXXX XXXX XXXX just put a bandage on an already XXXX XXXX  in hopes it would work.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

During XX/XX/2021 XXXX XXXX charged me a late fee and reported a late payment to the credit reporting agencies. XXXX, XXXX, and Transunion are all reporting this late payment which is a violation of 15 USC 1681 ( a ) ( 2 ) ( 1 ). Which states a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. Since XXXX XXXX charged me a late fee, which is a transaction the credit reporting agencies should not be reporting the transaction on my credit report.

The credit reporting agencies are reporting a factual inaccurate late payment. Please see the attachments and evidence.
Consumer complaint received 2024-05-29
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (CA)

My car was towed to a yard named XXXXXXXX XXXX. I contacted XXXX and went to the yard to pick up my car, they said it wasnt there. That XXXX XXXX picked up the car. I contacted them and they said they had no record of my vehicle. I contacted Westlake financial and they said I had to pay {$1900.00} to get my car back. I paid {$1900.00} on XXXX XXXX. Westlake said they sent the release to XXXX XXXX XXXX that same day and could pick up my car anytime. I went to XXXX on XXXX XXXX to pick up my car, they said they never received a release. I called westlake and explained the situation and I was hung up on 6 times, screamed at by one of the employees, spoke to 12 other employees and was told that they sent the release at XXXX that morning. Today is XX/XX/2024 and XXXX is stating that they still havent received a release from Westlake. I have spoke to them 5 times today and one person says that it takes 24 hours for the release to be sent, another says that I have to wait one hour. Ive been transferred over and over again. Westlake is saying that they sent my release to XXXX XXXX in XXXX CA. I tried to explain that my car was at XXXX XXXX XXXX in XXXX, CA and they say that the computer says something different but I know that my car is at XXXX XXXX XXXX because I was there on XX/XX/XXXX, and saw that my car was there. Which I Also noticed that all of my personal property is missing ; drivers license, bank cards credit cards etc.. I have recorded the conversation with westlake financial and XXXXXXXX XXXX XXXX and notified every single person that they were being recorded.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmedinformation without producing proof within the legal time range. XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX  XXXX Balance : {$660.00} ; XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00}.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

( On XX/XX/XXXX ) My Care Credit Master Card account was Fraudulently accessed and my address was changed to ( XXXX XXXX XXXX XXXX, Ohio XXXX ) as well as other action with 2 other with Synchrony Bank Card accounts XX/XX/XXXX I contacted XXXX credit bureau to remove a fraud alert I had removed XXXX and was still active. 
While speaking to the agent by phone and viewing my credit report on-line at Experian.com, the Agent removed my fraud alert and I found ( viewing the acct.on line ) that 2 of my credit accounts were closed and an incorrect address had been reported .The agent verified the address change and both credit card closures were reported to XXXX by Synchrony Bank on XX/XX/XXXX XXXX The Home card was closed for " Inactivity '' and the XXXX card was v closed at " Customer request '' I filed a fraud dispute on XXXX card and a dispute to re-open my Home card. I then filed a dispute for fraudulent change of address with XXXX. 
XX/XX/XXXX I contacted Synchrony Bank XXXX Care Credit Master Card Fraud department by phone. Spoke with " XXXX '' He stated the address change was reported " on-line XX/XX/XXXX and updated to the account on XX/XX/XXXX. He placed a Temporary freeze on my account and issued a new card. I asked what the bank would do about my fraudulently accessed account, he said the bank does not inform customers on any action taken in fraud situations with customer accounts. 
Note : ( After reporting this address change on XX/XX/XXXX to Synchrony Bank ) On XX/XX/XXXX XXXX. ( XXXX ) I received my first communication of changes to my Care account : I received a letter from my Synchrony Care Credit Rewards Mastercard stating Synchrony Bank had received an address change and updated my accounts mailing address
Consumer complaint received 2023-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (MD)

CFPB, I stopped using the XXXX XXXX platform in XXXX. 

On XX/XX/XXXX, I received bill collections notice from Cedars Business Services , LLC ( collections agency ) stating I owed XXXX XXXX {$1200.00}. I didnt owe XXXX  XXXX any money when I stopped using their platform and I have never received a bill from XXXX XXXX stating I owed money. I reached out to Cedars Business Services , LLC to let them know I do not owe XXXX XXXX money and that I have never received a bill between XXXX and XX/XX/XXXX stating I owed money. XXXX XXXX is using its access to US customer information to fraudulently request payment for money that is not owed. Any assistance would be appreciated. 

XXXX XXXX User ID : XXXX Cedars Business Services , LLC Reference Number : XXXX Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Monday - Friday, XXXX XXXX - XXXX XXXX PST Saturday, XXXX XXXX - XXXX XXXX PST XXXX : XXXX Thank you, XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SS : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
XXXX. XXXX XXXX XXXX : Account XXXX ending in XXXX XXXX. XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXX. XXXX : Account XXXX XXXX XXXX. XXXX : Account XXXX XXXX XXXX. XXXX XXXX : Account XXXX XXXX XXXX. XXXX Bank : Account XXXX ending in XXXX XXXX. XXXX Bank XXXX Account XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Bank XXXX XXXX : Account Number ending in XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result oXXXX XXXX

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX in persons or XXXX XXXX if the consumer has provided XXXX documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations.

BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. CFPB2022-0023 ] RIN 3170-AB12 Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures XXXX of identity XXXX documentation
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

This account was paid. Ive contacted Experian, XXXX and XXXX XXXX on numerous occasions disputing this negative account. I hear nothing back. Another credit reporting agency did a correct investigation found this should not be on my credit file and removed it. I expect the same from Experian and XXXX.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FinCo Services Inc DBA Current (GA)

On XX/XX/11 a transaction in the amount of XXXX was taken from my account from a XXXX XXXX PAYMENT I immediately called and chat with customer service and they initiated a dispute claim. After 45 days I received an email stating that my dispute was denied and they found no error. I bank with CURRENT CARD and they did not send an explanation why or even provide a provisional credit to my account. I was a victim of fraud and I have no clue how and CURRENT CARD will not return my funds.