davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MA)

I am writing to delete the following information in my file. The items I need delete are listed in the report. I am a victim of identity theft and did not make the charge. 


XXXX XXXX XXXX XXXX When the account was opened : XXXX XXXX Account Balance : {$6500.00} Account name : XXXX XXXX XXXX  When the account was opened : XXXX XXXX Account Balance : {$300.00} Account name : XXXX XXXX When the account was opened : XXXX XXXX ACCOUNT BALANCE : {$980.00} Account name : Discover Bank When the account was opened : XXXX XXXX Account Balance : {$1000.00}
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCF Intermediate Holdings LLC (CA)

15USC 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-05-08
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. (TX)

I initially submitted a complaint against this XXXX, XXXX XXXX, CFPB # XXXX, I was not satisfied with the results and their service, so I paid off the account as soon I could. XX/XX/XXXX, closing statement date showed a new balance of {$570.00} with a minimum balance of {$30.00}, stating, " Mailed payments must reach us by XXXX XXXX ET. '' On XX/XX/XXXX, XXXX XXXX XXXX  received my payment of {$570.00}, continued to charge me a finance charge of {$7.00}, and continued to charge another for the next two months. 

Each time I received a statement, I made several attempts to resolve this and was passed on from their new financial institution XXXX, back to XXXX, who claimed they could not credit my account since it was closed! Please bot the referenced complaint above XXXX chose to close my account when it was in good standing! Each month I fought to have them remove the fees and was told it would be resolved, and when I asked for documentation, I received none. 

In XX/XX/XXXX, and XX/XX/XXXX, I applied for a HELOC loan with XXXX XXXX  and was declined both times due to these recent past-due delinquencies. I received a vague letter from XXXX apologizing and claiming to fix the error, but no mention of what error. XXXX XXXX  insulted me by sending check # XXXX dated XXXX for over {$2.00} to credit me for the interest I overpaid. 

I have also attempted to dispute this thru Equifax, but they do not contact the creditor, only suggesting that I write a statement explaining my side, which is XXXX 

Someone needs to hold both companies accountable! I've given Equifax more than enough information to overturn this decision, and they updated the inaccurate delinquency from 2 30 days late to 60!!! 

My creditworthiness is ruined! I have NO delinquencies or past due accounts on my credit except for this inaccurate reporting!
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (GA)

I have a Citibank world elite card. I received advertisement for a 0 % balance transfer. I called and asked several times that if I paid off my balance then transferred another balance is it saying there will be zero interest on the new balance. I looked at my statement on XX/XX/XXXX only to find interest charges, one standard and one Pur not sure what the extra charge was for. I called and spoke with a manager from Kentucky location name XXXX employee number # XXXX. He said that even when I paid my balance in full because my balance was not paid in full in XXXX it carried over and I was being charged for XXXX balance. I was under the impression whatever balance is shown on your credit card and you pay it in full you avoid interest. That is how every card Ive ever owned operated. My credit card payment is due on XX/XX/2024 I paid off the entire balance on XX/XX/2024, I did a balance transfer that posted on XX/XX/2024 and two interest charges in the amount of XXXX} and XXXX  was charged on XX/XX/2024. They claimed it was nothing they could do the charges were valid. I feel robbed!
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

Greetings, tried to find out why my credit score drop more than XXXX XXXX  I have no late reports no collection and my utilization is excellent and my payment is excellent. The credit bureau. Cant give me a reason at all this is not fair.
Consumer complaint received 2024-05-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (TX)

I moved into my new place which was a brand new start for me. I have previously bought furniture from the before by fulfilling my lease. I received the coffee table and end tables ( FROM XXXX XXXX ) and the coffee table has rusk on the chrome base and the end table is warped. upon receipt i advise that the coffee table was not right in which i was advised to attempt to wipe off and to give them a call if not right. He refused to take it bac. I then attempted to call Acima and was advised that someone will get in contact me from the resolution team. This was XXXX,, the same day.. i received a call on that saturday on XXXX. The rep was very rude, would not allow my to speak and told me I had no choice and that they can't help me. I felt so embarrassed and belittled behind my purchased. 

I called on Monday XXXX, and after being hung up on, transferred and spending several hours on the phone hold,,, i spoke with XXXX who finally gave me some information. However, after the experience, I had i don't trust this company. Additionally, the website states XXXX Free Returns which is a false advertising... 

No One, I mean No one would give me the address to corporate but only an email address which is XXXX. I have sent all requested pictures and emails to XXXX as requested. 

All i want is to be lt out if the lease, pick up the furniture, and continue to start my new life, I had good intentions with this company and have been treated unfairly. I want them to take accountability on how they talk and treat people and to uphold what is on the website. Also, i want the calls pulled for training as i was told flat out NO..
Consumer complaint received 2018-08-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I confronted Bank of America in XX/XX/XXXX when I realized that bank of America gave away my direct deposit statements away to someone that's not on my account certified stamped and signed by a bank manager that worked at the bank and was later able to use in court. I found them in my daughters mothers financial packet at the courthouse. They said they would do an investigation and get back to me. I waited a couple weeks for them to get back to me and when I explained the issue to them and they told me that I should go get a police report in the state that it happened in. I then reached out to the CEO of Bank of America and he then had XXXX the regional manager for that region or branch call me. She then said she was going to do another investigation and get back to me within a week. She got back to me and said she couldn't find nothing but they will put a special team to overwatch my account. I told her that doesn't prove anything and asked what my case number was and she told me that she couldn't give me that information. I then reached back out to the CEO and got a call from XXXX again and she said they would give me {$500.00} dollars for what I went through and I declined the offer. My daughters mother was able to use my proof of income coming from the XXXX to scheme the system and manipulate her finances in her favor to get more money out of me. I recently reached out to XXXX XXXX the resolution specialist a couple times last week then got a call back from her on XX/XX/XXXX and she stated they weren't able to verify the time and date of when this occurred when I have the proof of when it did it states XX/XX/XXXX and she also said it was to long ago and said because I have my mother on my account that it could have been her. All it looks like is that bank of America knows they messed up and isn't trying to own up to there former manager signing off on a certified document and having a way of not being caught in the system. That is not my issue that they can't verify or find out the exact date and time of when she did it, all I know that it was signed and had all my recent direct deposits from XXXX to XXXX because she had court on the XXXX of XX/XX/XXXX. It was found at the courthouse and used fraudulently without my consent. They should have a system in place that employees or managers can't get into your information without having my consent to give away my information so freely to someone that has no right to have my personal information in the first place.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (NV)

On around XX/XX/2024 I've been attempting to remove information that is related to identity theft in fraud activity. Information that the conns furniture has on this account number is incorrect I do not have any business with Conn 's furniture. 

XXXX Account Number. I'm also found a complaint with attorney general 's office of the state because this is fraud. 

XXXX Account Number. Reflecting on my credit file.
Consumer complaint received 2018-08-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I am writing you regarding XXXX  XXXX  XXXX. They have placed 2 collections on my credit reports for {$230.00} and {$270.00} with XXXX XXXX allegedly being the original creditor. I have written them certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking them to verify or validate the alleged debt and send me an original contract between them and I. They have failed to do so on every occasion. I have asked them to remove this from my credit reports if it can not be validated. They have failed to do that as well. They failed to send me a dunning letter for the {$230.00} amount prior to placing it on my credit reports and, therefore, failed to notify me of my right to dispute. All they send me when I ask for validation or verification is a computer generated statement from company records, which does not prove that I have any contractual obligation to them. They have never loaned me any money. They are not named as a creditor against me on any contract I have ever signed. I am also disputing this with the credit bureaus. Portfolio Recovery has inquired on my credit reports an obscene number of times, without my permission. Looking at my credit reports, XXXX XXXX is not reporting delinquent debt from me. They are reporting an old credit card account that is closed and was in good standing. They are also reporting open credit accounts that I have with them and am paying on. Portfolio has listed themself under " banking '' on my credit report but have never loaned my money and I have never opened any account with them. Portfolio Recovery is harassing me via mail and phone. They are calling my employer after I asked them not to contact me via phone. They called me at work today and threatened to start calling my family members if I did not provide them with an alternate phone number. They have called my XXXX year old son, telling him that I owe them money. They call repeatedly using different phone numbers. They have repeatedly been mailing me the same computer generated statement. They have broken so many federal laws and are causing damage to me, financially and with my employer.
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (NJ)

Credit card agent called me on overdue bill which I paid on the phone with agent then he convinced me to change my credit card bills from paper mail billing to online billing.I explained to him that I am a XXXX  citizen and not computer savvy and he then went on to convince me to sit by my computer and walked me through the process of converting the payment from mail billing to online.With my XXXX  moments I totally forgot about the payment change and as I always do wait for my mail to pay my bills.No bills arrived in the mail and I received a phone call 3 months later that I owed approximately {$1500.00} on credit card which was a bill from 3 months ago since I did not use the credit card in the past two months. 
I told the credit card representative I want to pay my bill but I need to see a copy of the bill to verify the charges. The agent said they will send the bill by mail and 2 weeks later I received the bill in the mail and called immediately the credit card company to pay the bill.At that time the agent told me the credit card was cancelled and all my points accumulated over time were removed and there were fees and interest charges on the bill as well as a yearly credit card fee. I explained that I havent received a bill in the mail for these charges and the agent said you needed to go online to see the bill. I told them I am not computer savvy and dont know how to get my user and password and the agent confirmed that I never opened the online account since it was opened with the original agent on the phone. 
They claim I opened the online account on my own without any assistance of their agent which is a complete lie and they deny their agent had anything to do with my opening the online account.They claimed to review the telephone recording and I would like to hear the telephone records of the complete conversation with the agent in XX/XX/2022 when I paid the credit card on the phone with the agent and then he convinced me to change the billing information to online and had me sit in front of my computer and walk me through the whole process to change the account from mail billing to online.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (IL)

Last year after paying government taxes, we struggled to make a payment on our loan. We attempted to do a loan modification with XXXX XXXX at which time they started the process and no payments were required to be made. They claimed to have approved my request but I never received paperwork and it was taking an extremely long time at which point I decided to make my full amount owed and bring the account current. They are now stating I missed two payments in XXXX and XXXX ( all during the modification process ) and this is hurting my credit and our attempt to take out home equity. If you look at 24 month trending data on my loan, you will see that my payments are always made and never more late than 30 days except for that loan modification timeframe which payment wasnt even required. I am requesting for it to be removed ASAP so that we can move forward properly on getting our home equity. 

Also they claimed to have placed me on a forebearance which that was never something I requested.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Nissan North America is currently jeopardizing my legal rights. Any harm inflicted upon my legal entity is, in turn, causing harm to myself, XXXX XXXX XXXX. Failure to adhere to the appropriate procedures implies consent to the terms and conditions outlined for the concerned individual involved in the ongoing legal proceedings. This situation is of utmost gravity, and as a consumer, I was not provided with full disclosure. I have received a cease and desist notice regarding an unsubstantiated claim. As the rightful note holder and XXXX lien holder of XXXX XXXX XXXX, the life claimant, I assert that the vehicle in question has been fully paid for and purchased on credit. 

NMAC 's actions are a deliberate infringement upon my consumer rights. I demand that they rectify the inaccuracies in consumer reports and cease all media communications and collections until the conclusion of the ongoing litigation. Your cooperation in this matter is appreciated.
Consumer complaint received 2023-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (AZ)

XXXX I posted online for XXXX  tickets. XXXX XXXX ( name on XXXX who has now deactivated her XXXX account ) She showed me the image of the 4 XXXX tickets as well as an image from her XXXX account. She stated for section XXXX the tickets were $ XXXX so a total of {$9000.00} XXXX - She gave me her cell phone number so my husband could call and verify ( XXXX ) XXXX My husband gave me the go-ahead on purchasing the tickets. I tried several times to send the money via XXXX, the XXXX XXXX, etc. The XXXX handle I paid {$2000.00} to was XXXX ( she said this was her sister 's account ) She said they work together because they'll ticket brokers. So I sent the {$2000.00} then XXXX wouldn't allow me to send any more money. She refused XXXX. I suggested a XXXX XXXX and attempted to pay $ XXXX but again it failed. So my suggestion was a wire transfer. I went to my branch bank at BMO harris on XXXX in XXXX. The teller XXXX XXXX filled out the wire. I gave the recipient 's account info : XXXXXXXX XXXX - routing XXXX account number XXXX. I sent this recipient {$7000.00} via wire. As soon as I showed her the image she blocked me on XXXX and wouldn't return my calls. When the teller asked me what the address was for the recipient I sent her a message to get her address. The teller responded " just pick an address, it doesn't matter ) so the only address I knew off the top of my head was my mother 's. So the wire transfer doesn't even have a correct address on it. 

XXXX I went into the bank to close all of my accounts because she had access to my account numbers and address. I submitted a complaint to the attorney general, the filed a police report for the XXXX police, the submitted a fraud case to the FBI.
Consumer complaint received 2023-12-11
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. (GA)

I DO NOT RECOGNIZE THE NEXT INQUIRIES : CREDIT PLUS DATE OF INQUIRY 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 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 2024-05-03
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: Capio Partners, LLC (TX)

Code ( XXXX  ) XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TXXXX XXXX XXXX XXXX, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
( Accounts ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX needs to be removed from my credit report " I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof the XXXX XXXX XXXX, nor therefore any such debt exists this company is sharing my information back and farward with another company and it is illegal to do so without my permission
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up complaint to recent dispute I sent regarding the items reportedon my Credit File. I sent a letter on XX/XX/XXXX requesting to the Credit Bureaus to remove the following fraudulent accounts and inquiries appearing on my Credit FIle that are UNKNOWN to me 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read that according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XXXX XXXX XXXX Ive already included this in my previous Complaints and I am including it again. If the Credit bureaus believe that the disputed items belong to me, I request that they send me copies of documents supporting such claims. In the absence of such documents, immediate deletion of the disputed items are expected.