davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (TX)

I HAVE NO IDEA WHAT THIS HUNTER WARFIELD DEBT COLLECTION IS IN REGARDS TO AS THIS IS THE FIRST NOTIFICATION I HAVE GOTTEN TODAY AS OF XX/XX/2024. SAYS I GAVE PERMISSION BUT I DONT KNOW NOR REMEMBER WHEN I DID THAT. THIS HAS NOT HIT MY CREDIT THAT IM AWARE OF BECAUSE I KEEP WATCH ON MY CREDIT BUT THIS BETTER NOT HIT MY CREDIT AS THIS IS ILLEGAL. I JUST GET SOME COLLECTION BILL OUT OF THE BLUE, NO NOTICES PRIOR TOO THIS AS TO WHATS THIS IN REGARDS TO OR ANYTHING. IF THIS HITS MY CREDIT I WILL DISPUTE EACH AND EVERY ONE OF THEM AS THIS IS UNFAIR UNDER FCRA AND ITS ILLEGAL. PLEASE REMOVE THIS DEBT UNDER ALL THREE CREDIT BUREAUS AS I OWE THEM NOTHING. JUST THIS EMAIL I GOT THIS MORNING THAT IM NOT TAKING AND REFUSING. IM NOT ACKNOWLEDGING ANY DEBT CONTAINED IN THIS LETTER NOR PAYING ANYTHING.

THIS BETTER NOT HIT MY CREDIT AS I DO KEEP WATCH. I DONT EVEN KNOW WHAT HUNTER WARFIELD IS..HAD TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX 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 2023-08-30
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

Charges being made on my debit card that was not authorized by me. When I dispute the charges with chime they are immediately being denied by chime and nothing is being done to get credited the funds back to my account. They refuse to give me temporary credit for anything that has fraudulent written all over it and in all they have hung up on me 9 times just today not including the massive amount of times in the past.
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (NY)

I am writing again in response to a notification on my credit report. The files reported are inaccurate and erroneous and its leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7700.00} XXXX XXXX XXX Date opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXX Date opened XX/XX/XXXX Balance XXXX
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I have repeatedly asked Citizens Bank to stop sending me marketing solicitations. They make it extremely hard to even find out how to do it. You have to search on their website to even find it and when you do it gives incorrect information. 

I have attached the solicitation.
Consumer complaint received 2023-09-15
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: DISCOVER BANK (CA)

I began using the Discover student credit card about 6 months ago and have awaited my credit score from the credit bureaus. However, despite checking multiple times, I have not seen any activity, credit history, or credit account listed on my XXXX or any other credit bureau 's website. Initially, I thought it might be because I was new to credit and it was my first credit card. But after hearing from others who reported seeing their card and activity listed within three months or less, I became uncertain about the issue. 

I tried to address any potential discrepancies in my information, such as my address or name. However, as I can see both hard and soft inquiries, I believe my account has been correctly identified. Nonetheless, the credit card and its associated activity have not been registered, resulting in the absence of any credit score. My initial suspicion was that Discover might not be reporting my account, but after confirming with them several times, they have assured me that reporting is done in every cycle, including off-cycle reporting. 

During my last contact with Discover, they initiated a case to investigate the issue. However, I still remain uncertain about why I can not see my credit card loan and activity listed on the credit bureaus ' accounts, even after reporting has allegedly taken place.
Consumer complaint received 2023-12-01
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. (DE)

This is XXXX XXXX XXXX please 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 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XXXX, Equifax XXXX XXXX has added this to my report without validation of account. This account does not belong to me and is reporting on my credit report, this account belongs to XXXX XXXX, as they agreed to take payment for emergency assistance and should contact them for the payment of this account. 
Please see documents to validate my claim. This is a violation of the FCRA and should be removed immediately. 

Collection Agency : XXXX XXXX, XXXX Original Creditor Name : XXXX XXXX  Date Assigned : XX/XX/XXXX Original Amount Owed : {$9500.00} Amount : {$9300.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification : RENTAL_OR_LEASING Last Payment Date Date of First Delinquency : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NC)

I bought items on sale and on clearance was never told promotional items, added XXXXXXXX XXXX back on card. I made complaints. They sent me a letter that had a false statement on it. Told me that I was late and it was the reason for adding the XXXXXXXX XXXX XXXX but I was not late ; instead it was an early payment. After being caught being misleading with the reason for adding extra money then they tell it was mistake it was promotional items that was bought and I told them I did ot buy any promotional items, items I bought from zales were on sale and on clearance never promotional, card told me it was too late too take off extra money that I had sixty days to make complaints.I made complaints when I got the bill online, the very next month, never went past there days to make complaints. So they hung up on me, when I asked to speak to higher ups after the third complaint.My complaint is against Comenity.net/zales. Which represents Zales until you have a complaint, then they are separate entities then.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Thunderbird Collection Specialists, Inc. (AZ)

I have been disputing this completely fabricated " collections account '' with XXXX and TCS Thunderbird Collections for years. XXXX keeps checking with Thunderbird Collections and Thunderbird Collections says its valid. 
I suspect tbird collections is being given whatever info XXXX XXXX still has on their computer. They are NOT validating the debt. 
WHAT are the charges for? I was not evicted from XXXX XXXX. My rent was paid, every month, up to and including the last month I was there. 
XXXX XXXX decided not to renew my lease. This debt says it originated in XX/XX/2019. For what??
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NE)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

I authorized a payment on XX/XX/2024 to be withdrawn on XX/XX/2024 and received conformation of the authorization via email on XXXX. I logged in to Mohela 's website today and saw that I'm now " past due '' for the XXXX payment because they didn't withdraw the payment when it was authorized to be paid. There is more than sufficient funds available on my end. 

To my recollection, I have never had a late payment in almost ten years of repayment and do not intend to have one now because of a mistake on their end while they're changing their web-based platform.

I received no timely communication from Mohela on the authorized date or within a couple of days that they encountered any issues with the XXXX payment.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I swear the only way to get a resolution on the bank side is filing CFPB complaint or I'll never hear back, this is a poor customer experience and bad business practice. Bad enough I'm unemployed due to lay off, but I've yet to receive any unemployment funds or help from the bank. I've done the majority of the work for the bank, I cant find my own money or we wouldn't be having this conversation. 

I set up direct deposit and checks were confirmed sent but no deposit received to date. I was able to confirm routing #, but not acct # with the company. It's possible they didn't provide the acct # when checks were sent and the payment is abandoned. I contacted C1 on XX/XX/XXXX and provided the information below with no response, update, research information, nothing. I had to opt for their prepaid debit card in the meantime to access other funds, huge inconvenience because now I have to transfer those funds and wait 2 more days. This is impacting my ability to pay other bills. 

Company name : XXXX  XXXX XXXX Date, amount, check # : XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$680.00} XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$340.00} XXXX XXXX : {$1700.00}
Consumer complaint received 2024-05-28
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. (VA)

XXXX XXXX XXXX Account # XXXX continues to certified that information IS CORRECT BUT HAS YET TO PROVIDE INFORMATION. 

Delete this account for Violation and inaccuracy because the date open of the account the XXXX XXXX XXXX Account # XXXX reported is incorrectly on Experian, XXXX and XXXX XXXX In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on Experian, XXXX and XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is my second time filing a complaint about this account .CFPB Complaint # XXXX i received closed on my complaint and iam not understanding why XXXX XXXX will not fix this. with the laws of Physics if i pay {$380.00} twice a month for the last six months adds up to {$770.00} for the month.so there is no way i can be 30 days late for XXXX and XXXX. no way. i have been a week yes in the pat not 30 days. my account was out 30 days late when i pay every two weeks. so there is no way i should be 30 days late for XX/XX/2024 and XXXX XXXX i deferred a few payment in the pass during Covic and was toll it was being to the back of loan. the mature date was in XXXX. and i still was paying every two weeks. not gave me no info that i had to make a modification payment plan on ending balance. i was still making monthly payments. so until i saw my credit report that i was put down for 30 days late for 2 months XX/XX/2024 and XX/XX/2024 which is not true. i untanned a modification payment plan now for remaining balance so XXXX asking you to please remove the XXXX XXXX lates off my report it is stopping me from purchasing a home. 
making XXXX payments of {$380.00} a month satisfied my payment for the month. This is not right!!! Account # XXXX
Consumer complaint received 2023-12-01
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)

The accounts listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried numerous times to have this situation resolved with no resolutions.. REMOVE THIS NEGATIVE ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. BK OF AMER 53**
Consumer complaint received 2023-04-25
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. (VA)

This account is currently reporting on my credit report, and I have not physically signed anything or applied for any type of credit with the merchant. I have previously requested an Investigation into this matter, and I have not gotten a resolution to the complaint.
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Stellantis Financial Services US Corp. (MN)

We are paying for a XXXX maintenance plan as a part of our lease. When we signed our lease, we were told that maintenance had to be performed at the dealership where we purchased the vehicle in order for it to be covered by the plan. Now the dealership has stated that we are free to have our vehicle serviced anywhere we choose. We have received very little information and also conflicting information about the XXXX maintenance plan from the dealership. Our interactions with the dealership have become an increasingly negative experience. We are unsure where turn.
Consumer complaint received 2018-12-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (NC)

Conns Home Plus has been contacting me for days and days at a time to collect on a debt that is owed to them. Yes I will say that my payment is late for the month. I have tried in the past to call Conns to let them know that my payment would be late so I would not get the calls and still ended up getting calls. So now when I am late it is no need to speak to them because they wont honor they agreement to stop calling. Now moving foward to the present time. The company is calling me from a number that is showing up as a XXXX XXXX instead of Conns or even with a name listed to get me to answer the phone. When I called the number back I told the person who answered the phone to stop calling this number less than 2 minutes later the phone rings again and it is someone else calling from the same company again from the same listed number. They will not leave me alone. I feel as if I am being harrased by this company and no matter what I do they will not leave me alone. Yes I am late on my payment but when I speak to them they still call the next day and the next day and I have to repeat the same thing that shouldve been notated in the account
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-01
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. (OH)

XXXX XXXX XXXX XXXX, Ohio XXXX & XXXX XXXX XXXX XXXX, Ohio XXXX is reporting incorrectly on this account. I demand that this inaccurate information be removed from my credit profile. I was a victim of identity theft on XX/XX/2017 XXXX XXXX XXXX. I sent Experian XXXX XXXX XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX copies of all reports several times, with no response other than verified that these items belong to me.. I have reported this on identitytheft.gov and also with all 3 credit reporting agencies. The two addresses have already been deleted from XXXX, and XXXX. This is a violation of 15 U.S.C 1681i ( 5 ) removal of all inaccurate/invalid credit. I demand that these items be deleted immediately. I have included my FTC Report credit report and documentation showing I was effective by the XXXX XXXX XXXX.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MD)

Three months ago I purposely closed out all accounts and requested no further dealings with NFCU due too negative comments w/a unknown revolving credit card limit I did not hold and the facts w/ their business practices at disrespecting minorities with having a mortgage. I have called them to express I no longer have an open account with then anymore stop soliciting my name through third parties inquiring about my credit score. I find it personal that I'm still being harassed as they continue conducting soft inquiries through XXXX, XXXX and XXXX. NFCU and their affiliates like XXXX XXXX XXXX  are not authorized nor do they have my consent too continue lurking into my credit history status period.