davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Avant Credit Corporation (CA)

I applied for a card. I was " approved. '' I was connected bia XXXX XXXX. Then they send me a vague email asking me to call them. I make three attempts to call them back. Each time they claim they need to make an outbound call to me. They don't call once. I have not one attempted inbound phone call in my call log. Supervisor XXXX fake apologizes for me " feeling this way '' and also promises to call me and doesn't. I believe this company has scammed my personal information and is a fake/fraudulent company. Please investigate.
Consumer complaint received 2024-05-17
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

My complaint is with Comenity Ulta beauty rewards credit card. Late fees have been illegally charged onto my account since I opened my account. I was not late on some of my payments and I was still charged a late fee multiple times without being late on my payments. Also I made a payment on time of {$37.00} last month which was the amount it requested due online/payment portal to avoid any late fees and I was still charged a late fee. I was told that my payment was late due to me not paying a previous late fee but this was not true because the amount paid was the amount that the payment portal was requesting to be made to avoid any late payments or late fees. I was also enrolled in a hardship program and was told if I made timely payments of at least {$10.00} I would be refunded for all previous late fees and there was NO late fees reimbursed at all, even though I made the payments on time and paid more than the amount due of {$10.00}. I contacted customer service to report this and other discrepancies on my account and they were extremely rude and unprofessional with no resolution to my issues. I have been charged late fees on top of late fees illegally and promised late fees would reimbursed and they were not. Also this company has been calling me none stop even though I don't have a past due payment.I have currently been having issues logging into their online payment portal, it's not allowing me to log in, after I enter the verification code texted to my cell phone number it won't go into my account information.
Consumer complaint received 2023-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MA)

Chime closed my account after I received a deposit from my son for his rent in the amount of XXXX. I would like this money back and it has been months since this money was sent. I have tried to negotiate this money back with Chime but they have given me the run around about my account apparently being closed. Could the CFPB help me in any way with retrieving my funds. I appreciate your time and attention to this matter.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (OH)

In XXXX of XXXX I had unauthorized transactions take place on my XXXX  account from the company XXXX XXXX. I disputed these transactions with the bank, they did their investigation, determined the transactions were unauthorized, and refunded me my money. I explained to them that I did not use XXXX XXXX and requested that this company be blocked. They said they would. Then on XX/XX/XXXX, the unauthorized transactions from this same company started again and continued thru XX/XX/XXXX. These transactions totaling approximately {$7200.00} being taken from my account. XX/XX/XXXX or XXXX when I checked my account and noticed the transactions I called the bank and made a claim. I was given claim number XXXX. After not hearing anything for XXXX weeks I called to follow up. I was told that my claim was denied because there had been previous transactions with the company in the past. I asked what transactions they were referring to. I was told the transactions they wer me talking about were the ones in XX/XX/XXXX that had already been successfully disputed and ruled by them to be unauthorized. I explained to them This and asked why this company was not blocked as I requested. I wasnt able to get an answer. I asked how they could use transactions that they themselves labeled fraudulent to now say Ive had previous dealings with this company. I couldnt be given an answer. I asked that it be escalated which the did. After several follow ups I was told to submit my XXXX a second time by XXXX Which I did on XX/XX/XXXX after they claimed not to have received it the first XXXX times. I called to verify theyd received it and I was told Id hear something in XXXX days. I waited until the end of XXXX now without hearing anything before I called beck to be told that they have no update and I would be contacted by someone. However Ive never been contacted the XXXX times they told me that. Now it is may and I still havent heard anything.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-17
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: SYNCHRONY FINANCIAL (MD)

Synchrony Bank wants to charge me {$7600.00} for a purchase that I did not authorize. XXXX XXXX XXXX XXXX XXXX XXXX  They say the merchant provided a delivery slip, but it is useless if it doesn't have my signature of acceptance. 
I DID NOT ACCEPT THE DELIVERY, I DID NOT SIGN. 

I hope the people responsible for resolving this issue will review the delivery slip carefully and understand that I DID NOT SIGN NOR ACCEPT THE DELIVERY.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-21
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)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-11-19
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

XX/XX/2023 Chime sent me a temporary credit of {$450.00} for fraudulent activity happening in my account. XX/XX/2023 fraudulent activity happened again my account was at a balance of {$740.00} fraudulent activity occurred again. I regained access to my account filed a dispute and chime did not reimburse me for my money that was stolen by identity thieves. I have been fighting day after day since XXXX waiting patiently for there investigation team to pay me but that are committing fraud against me
Consumer complaint received 2023-11-21
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. (PA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (NY)

I am writing to dispute the validity of four accounts that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The accounts in question are as follows : 1.Midland Credit Management 2XXXX XXXX As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. 

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. 

I kindly request that you take the following actions : XXXX. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts. 
XXXX. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 
XXXX. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies. 

Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights.

I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-20
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2024-04-17
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. (AZ)

After reviewing my TransUnion and XXXX credit reports, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachments below
Consumer complaint received 2024-02-19
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. (LA)

On XXXX The XXXX, XXXX in XXXX the XXXX. XXXX. XXXX XXXX XXXXXXXX. 
XXXX XXXX In the amount of {$2600.00} Tried to collect the debt that I was not responsible for and they agreed That I was not responsible for this debt so XXXX XXXX XXXX XXXX agent Agree to remove the collection from all 3 credit. 
bureau 's XXXX, XXXX, Equifax. But unfortunately they removed the collection account from XXXX and XXXX, but not from Equifax. I have reached out to Equifax in regards to this matter with the collection account. XXXX XXXX XXXXXXXX I have sent Equifax paperwork showing them. The account is supposed to be removed From my credit report. Equifax refuse when the collection agency sent them proof and I sent them proof.they still Came back as updated. 
I do not think Equifax is investigating my Dispute. Because if they was it would not come back as verified.So I'm reaching out to CFPD to resolve this matter. Thank you.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

I have requested that my old phone number be removed from my personal statement/identity theft alert and credit report over a dozen times the past several years. ExperianXXXX have ignored this request over and over and over again. 
I DEMAND THAT EXPERIAN XXXX XXXX REMOVE THE PHONE NUMBER XXXX FROM MY CREDIT REPORT, INCLUDING MY PERSONAL STATEMENT AND IDENTITY THEFT ALERT. 
I DEMAND THAT EXPERIAN XXXX XXXX REPLACE THE NUMBER ABOVE WITH XXXX IMMEDIATELY FROM ALL PARTS OF MY CREDIT REPORT, INCLUDING PERSONAL STATEMENT AND IDENTITY THEFT ALERT.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX OF XXXX XXXX Date Opened : XX/XX/2020 Balance : {$6000.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8100.00}
Consumer complaint received 2024-05-16
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. (CA)

Experian issues are never ending. 
I believe I'm the victim of retaliatory actions from Experian. 

Please note : After I filed complaints against Experian, for the credit monitoring services charging my credit card and refusing to allow cancellation... I was completely locked out of my account for years! 

Now, my FICO is suspiciously lower than the other bureaus '! 

After many years of my entire Experian credit history not being available... 
Now I have an inaccurate and very low FICO score available.

Experian is reporting a FICO score of XXXX Whereas both XXXX and XXXX report a FICO of XXXX That's too huge of a difference. 

The credit history generating these very different scores are the same. Meaning all three bureaus are reporting the same credit history... But Experian is reporting a totally different and much lower FICO score for the exact same credit history.
Consumer complaint received 2024-02-08
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 noticed a collection account on my Transunion consumer report from XXXX services. I don't have nor have I ever had any accounts or any business with XXXX services. In addition the Certificate of Indebtedness the documentary evidence required to prove XXXX 's claim is a general ledger in accordance with the Generally Accepted Accounting Principles and signed by the person responsible for maintaining the ledger on behalf of XXXX services. Federal Rules of Civil Procedure, Federal Rules of Evidence, Rule 1002 states that I am entitled to the original. Billing statements and consumer credit contracts or agreements are insufficient forms of debt validation and or verification, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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: WELLS FARGO & COMPANY (FL)

I have negative reporting on my credit report from my mortgage lender. the negative marks are from approximately XXXX  years ago. I paid the mortgage off XXXX years early. I've contacted the mortgage company and they are telling me I am no longer in their system, therefore they are unable to remove anything from my credit report. I looked up and provided my account number, they insist they are unable to locate me in their system.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (NJ)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-05-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (FL)

Dear US Bank NationaXXXX, Are We in Loss Mitigation right now? 
Please respond with a letter stating yes or no. Explaining why or why not. 
See attached, US Bank National letter to me dated XX/XX/XXXX to reach out to them for help with mortgage. 
I reach out with a Mortgage Assistance Application on XX/XX/XXXX. 
Sent all disability and income/pay stub attached. 
US Bank Acknowledged by email to me on XX/XX/XXXX - see attached - that they did receive it. 
Please have your Attorney cancel the sale date of my home set for XX/XX/XXXX. 
The letter you sent me dated XX/XX/XXXX, was BEFORE your Attorney got a sale date on XX/XX/XXXX.