davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Finance Direct LLC. (TX)

In XX/XX/year>, I initially reached out to XXXX with the hope of improving my dental alignment and overall oral health. After following the prescribed steps and undergoing the initial scanning process, I received my first set of aligners. Unfortunately, upon trying them, I discovered that they were uncomfortably tight and did not fit properly. Consequently, I promptly visited your office to address this issue and underwent a second scanning session. 

Regrettably, despite the reassurance provided during my second visit, I have yet to receive any further correspondence or the promised product. Subsequently, I was dismayed to learn that XXXX has filed for bankruptcy, leaving customers like myself in limbo regarding the status of our orders and refunds. 

This situation has been exacerbated by the fact that Healthcare Finance Direct continues to demand payments for a service that has not been fulfilled. As a result, I am now facing undue financial burden and stress due to circumstances beyond my control. 

Given the circumstances and the lack of clarity regarding the future of XXXX, I kindly request a full refund for the services I have paid for but not received. It is only fair and just that I am reimbursed for the amount I have invested in a service that has not been delivered as promised.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (AZ)

I was out of the country for 2 months and they never put my payment to autopay as I requested before because i had no access to the app or website. I was never 30 days late so they reported inaccurate information on my credit report as late. The company has never reported once ever my on time payments. They are reporting inaccurate information on my credit report as 30 days late even though they gave me an extension for a reason and I was qualified for the extension. Please help me remove this inaccurate late report on my credit file on XXXX.
Consumer complaint received 2018-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I had an open credit line of {$8700.00} with a XXXX balance. It was closed by the company. When I inquired about the closed account, they stated they could not reopen due to the risk associated with the account. I advised them that the disclosure I received did not state that they could close the account due to inactivity. ( That was the initial reason I was given, then it went to a risk situation after I made a formal complaint ). I was going to use this for my home improvements when I moved into our new home on XX/XX/2019. I am requesting to have the account reopened without a credit check as I have never been late on this account and paid my balance in full.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (FL)

Dear CFPB, I am writing to file a formal complaint against Early Warning Services for their unlawful actions, specifically the unauthorized inquiry into my consumer report. This action has adversely sabotaged my ability to open a checking account, thereby impacting my financial well-being which is causing me not only severe emotional distress but also financial distress and damage. 

I discovered that Early Warning Services was violating my rights on XX/XX/year> ; I promptly disputed the false allegations within my file. ( Reference : consumer # XXXX. ) In my dispute, I highlighted the violations of the Fair Credit Reporting Act ( FCRA ) by Early Warning Services, citing 15 U.S. Code 1681. 
I have attached supporting documentation, including a copy of the dispute letter and their audaciously dismissive actions in response to my valid concerns and lawful request for resolution. 

Furthermore, Being deprived of a checking account has significantly affected my ability to conduct daily transactions, receive my taxed earnings from work, efficiently manage my finances, and overall completely restricting my access to essential banking services as a lawful citizen in this nation.
Consumer complaint received 2024-03-08
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: DISCOVER BANK (GA)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2024-03-07
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

I visited a Best Buy store a few weeks ago to apply for a Best Buy credit card from Citibank. The employee conducted a credit check to determine my eligibility for the card. After completing all the necessary steps and running my credit report, we received the results within 4 to 5 minutes, which unfortunately showed that my application was not approved. According to the Fair Credit and Reporting Act, I have the right to be informed if any information from my file was used against me. If a credit report or consumer report is used to deny credit, insurance, employment, or take any other adverse action, the person or entity must disclose the agency 's name, address, and phone number that provided the information. 

Citibank failed to comply with the law by denying me a credit card without providing a reason. I am seeking the name of the furnisher responsible for this adverse action so I can pursue a tort claim against them for denying me credit without justification. This is not a representation but a warranty of fact. An adverse action was used against me in the act of trying to obtain credit using my own credit through my social security number that states that the social security number is an unlimited credit up to {$25000.00}. So, why am I getting denied to use a partial of my unlimited credit?
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I had a mortgage with SPS they sold my mortgage to XXXX XXXX in XX/XX/XXXX. I paid the home off through XXXX XXXX which reflects on my credit report in XX/XX/XXXX. The problem is Select Portfolio Servicing is still reporting my mortgage as open. I have been reporting this to the company Sps and all credit reporting agencies still to no avail. At this point it's affecting my credit and me purchasing a home I don't know what else to do.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

Vanilla Visa Gift Card placed my card on hold. I called the customer service number at XXXX to ask why my card was on hold. A representative answered the phone and would not answer why my card was on hold. She kept talking over me and wouldn't answer my question. I asked to speak to a supervisor. I was then placed on hold for hours and no one ever answered my question of why my card is on hold. I have funds on the prepaid Vanilla card that belong to me.
Consumer complaint received 2023-04-13
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. (WA)

A loan/credit card from XXXX XXXX is showing up on my credit report from XXXX. I was born in XXXX, which would make me XXXX XXXX XXXX and not of age to concent to someone using my social security number. Neither of my parents authorized this as well. XXXX XXXX says they cant find anything with my information on it and therefor will not help resolve the issue of it showing up on my report. I am in the process of purchasing a home and this negative mark is preventing me from the purchase. I dont have the luxury of waiting for this to be resolved, it needs to be done immediately so XXXXm able to show an accurate number for my credit score. Thank you.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A. (TX)

I have a credit card issue through Citibank. All the preferences for this account list every transaction document as paperless. I began receiving balance transfer checks for this account. I requested verbally to not receive these checks now or ever in the future. The first request was made over two months ago. The checks began then arriving once every two weeks. I have contacted Citibank multiple times, and told them that under no circumstances should I ever receive these balance transfer checks. Ive been assured on multiple occasions that I will not receive these checks ever again and that my preferences have been updated. I continue to receive these balance transfer checks, And believe that by sending these out my account could be compromised, as these checks could be used if stolen. Citibank seems to have no way to stop mailing me these checks.
Consumer complaint received 2024-04-13
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. (CA)

When I reviewed my credit report, I discovered some information was erroneous. The XXXX  credit bureaus must validate these ITEMS in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting ITEMS as unverified information without providing any proof within the period allowed by law. The following ITEMS need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$5400.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX Balance Owed : {$830.00} XXXX XXXXXXXX XXXX Balance Owed : {$44.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$350.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-21
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. (IL)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2023-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC (AL)

On XX/XX/2023, I applied for installments for my tires and wheels and was denied. Given the fact that the entire consumer transaction is predicated upon my unlimited credit, Title 15 USC subsection 1611 { False and misleading denial of my own credit } has been knowingly and intentionally violated in this case.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (IA)

In XX/XX/XXXX I received a notification that an account was sent to Diversified Adjustment Services Inc. on behalf of XXXX in the amount of {$970.00}. When investigating, I was under the impression this was an older debt that was XXXX in my XXXX. I disputed this debt with all 3 credit bureau with this provided information and the company only verified that it was valid, no other information provided. So, I contacted Diversified Adjustment Services via mail on XX/XX/XXXX and requested that I be provided a proof of debt verification letter as well as any signed contracts between myself, Diversified Adjustment Services, and XXXX. 30 days have passed and no letter has been received or sent per the customer service representative I spoke with on XX/XX/XXXX. On XX/XX/XXXX I went to the original creditor XXXX and asked to be provided this same information because at this point I know it is fraud. They are refusing to provide me with any signed documentation, photo id, or any verification method used to establish this account. They can not verify this debt and they refuse to remove it from my credit report even though this is a fraudulent case. This is preventing me from buying a home because someone else was able to easily use my information to establish a utility account. I would like XXXX and Diversified Adjustment Services to be reviewed since they are working together to blantly ignore customer questions and inquiries and penalizing the wrong people.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (MI)

In XXXX, I used XXXX through BMO 's banking app. The app had a bug and duplicated the payment to XXXXXXXX XXXX 

Once I observed the error on my statement, I contacted the bank in XXXX, and explained the issue. I was directed to dispute the payment. As the representative asked dispute questions, I repeatedly informed her that the multiple choice responses did not relate to my issue given the duplicate payment was due to an error in the app. 

On a letter dated XX/XX/XXXX, I was notified the dispute was denied because I authorized the payment. I again contacted BMO customer service to inform them that I authorized one {$98.00} charge, not two. I also explained that I completed a web search about the duplicate XXXX charge. There were results that mentioned XXXX customers had similar issues of duplicate charges when using XXXX.
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DFC Global Corp. (FL)

In XXXX, I cashed two posted dated checks at the check cashing store in XXXX Fl. They didnt hold them and tried to cash them. The didnt clear. They called me and told me they would turn it over to XXXX XXXX Attorneys Office to collect monies owed through courts. the check amounts were {$110.00} and XXXX. SO I get the money and delivered it to them paid in full. Much to my surprise in XX/XX/XXXX XXXX and XXXX XXXX placed these on my credit report. I called them and told them they were paid. They said they didnt care that I owed the money. Quite rude. I called the check cashing store and they said they had no record i owed them any money. I called the collection again but they demanded I pay on a debt that had been paid in full years before. I dont have the receipt of payment because I changed banks and moved a few times. Covid happened shortly thereafter. This has caused great harm and undue stress. My attorney advised me to file a police report against XXXX XXXX XXXX. I want this removed from my credit immediately as its caused me great harm.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CT)

At the end of XX/XX/2023 there were a series of fraudulent transactions made using my debit card information, I had possession of the physical card. I was alerted via email and text by Chase that some transactions were flagged as fraud and after I checked my account I confirmed with Chase that the transactions charged to XXXX were in fact fraud and I did not make them. Chase issued me credits and opened a claim for me, # XXXX. After their investigation they reversed the credits for two of the transactions. I called Chase 's claims department and was told the merchant provided " compelling evidence '' that I made the purchases. I did not, I've never even heard of this company. When I tried that to tell the Chase employee I was speaking with I was effectively just told " too bad, talk to the merchant ''. I got upset with him and he offered to let me speak with his superior. I asked if that would make a difference, he said no. I assume this conversation was recorded.

I don't know how they were convinced I made two of these transactions that happened at the same time- see attached transaction records from my account for that day. I actually don't think they are convinced I made the transactions, I think they're just charging me because they want else someone to pay, which is XXXX. I think they thought the amount is so low that I would just shrug it off and they get their money.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (MD)

I dispute the inquiry on my credit report made by XXXX on XX/XX/2023. I have no recollection of authorizing this inquiry and believe it violates consumer protection laws. The Fair Credit Reporting Act ( FCRA ) guarantees accurate reporting of credit history. Please investigate this matter and provide documentation to validate the legitimacy of the inquiry. If you fail to do so within XXXX days, I request its removal from my credit report. Kindly confirm receipt of this letter and update me on the investigation.
Consumer complaint received 2018-11-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditor's Collection Service, Inc. (NC)

I was contacted by mail by Creditors Collection Service. I called them by phone to set up satisfactory arrangements for the debt in question. We agreed that i was to pay {$29.00} on the XXXX of the month. I kept my end of the deal. This item as told to me by the representative would remain off my report as long as payments were paid as agreed. They in turn went and reported the debt to the credit bureaus for an inaccurate amount. And I kept my payments as agreed. This item was not on my report prior to me setting up this arrangement with them, which were paid as agreed. They used this as a scare tactic trying to rush me in paying this debt in full after the communications they sent never said it would be reported. It said only if satisfactory arrangements had not been made, that's when it would report this account to the bureau. This has affected my score by 33 points with one bureau and 20+ points with another. I kept my part of the deal they did not.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Delete account XXXX XXXX Delete account XXXX XXXXXX/XX/XXXX Delete account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Delete account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX delete account XXXX XXXX XXXX  delete account XXXX XXXX XXXX XXXXXX/XX/XXXX delete account XXXX XXXX XXXX XX/XX/XXXX. They are in violation of the FDCPA Laws.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (OH)

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc. (FL)

Regarding account : American First Finance : XXXX This company have received my documents for the identity theft that was used to obtain this account. The company has investigated and have determined that this account is in fact associated with identity theft. 

This company has agreed to remove all account information from my credit files, including inquiries, reporting information, addresses, personal information, and payment history from my files within 30 days.