davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
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. (TX)

Equifax Information Services has violated consumer my rights by sharing and furnishing an account ( XXXX  ) account number ( XXXX ) that is fraudulent on my credit file that they maintain under my social security number. I am attaching the FTC statement, to address the account ( XXXX ) account ( XXXX ) that is fraudulent. Please remove the XXXX  ( XXXX ) account off of my credit report. This account was not open by me. Equifax Information Services has verified the account multiple times stating that it is verified as mine. This is now willful violation of the FCRA.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

It came to my attention that my file has been merged with my fathers file which is clearly erroneous. 
I took the liberty of writing to this company on XX/XX/XXXX, with  clear instruction differentiating my fathers data with mine. 
our personal info detail differs from one another. 
My fathers name : XXXX XXXX XXXX, My fathers Social security number : XXXX XXXX XXXX, My fathers date of Birth : XX/XX/XXXX. 
This is my information : My names are : XXXX XXXX XXXX XXXX, My social Security number : XXXX, My Date of Birth : XX/XX/XXXX. 
Unfortunately, with all my detailed differences, this company still went ahead and kept reporting both our data merged until now. Yet again the following accounts are not mine and I need removed asap : XXXX XXXX XXXX, CA XXXX This is not my address, please delete XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Not mine, please delete XXXX XXXX XXXX XXXX XXXX , CA XXXX Not mine, please delete XXXX   XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize what this is, please delete asap XXXX XXXX XXXX # XXXX I have no knowledge of this account please delete I am looking at taking legal action if my data is not separated from my data. 
Attached here with is the first dispute I sent to this company.
Consumer complaint received 2023-11-15
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

I signed up for a Care Credit card in XXXX of XXXX as a financing option for a medical service. The initial purchase amount was around {$1200.00}, and I was approved right away during the consultation at the XXXX XXXX. On XX/XX/XXXX of XXXX I was charged {$740.00} of interest alone, which made my total balance increase to over the initial purchase amount. I was never told that this card had deferred interest and if I didn't pay off the whole balance in 24 months, that I would be charged 30 % interest on the initial purchase amount. And I have made payments on this card, to be fair. If I had been told this, I would have never agreed to use this card. The main reason why people are drawn to these credit cards in the first place, is to pay off a debt they can not afford to pay in full, and so the idea of deferred interest seems to directly defeat the purpose of this. In my opinion, these terms are extremely deceptive and fraudulent. This does not sit well with me at all, and this will be the last time I do any kind of business with Care Credit, or Synchrony Bank. They could care less about the people who fall victim to their terms, in fact they have no problem defending the terms as if they make sense in the first place. People are struggling with bills, and inflated prices making it hard to pay for necessities, and I feel like there is no one out there to defend me or people like me who just want to be treated fairly. I guess this is the way the world works now, and if you can't pay the outrageous price in full, then you just deserve to stay behind forever. 

Thanks a lot.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TX)

Dear CFPB Complaints Team, I hope this message finds you well. I'm writing to bring attention to a concerning issue related to inaccurate information on my credit report, particularly concerning accounts linked to XXXX XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) and Elan Financial Services. 

I've made numerous attempts to rectify these issues through different channels, yet unfortunately, I haven't received satisfactory responses or seen compliance with my requests. 

According to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate reporting and validation of debts. Therefore, I am formally requesting specific documents and information to address these concerns XXXX XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) Copies of any contracts signed by me that validate my liability for the alleged debt. 
Documentation proving the authority to make claims. 
Any detailed evidence, including signed contracts, that establish my liability for the alleged debt. 
Certified copies of initial balance sheets for the account in question. 
The entire promissory note related to the debt. 
A comprehensive disclosure of the alleged agreement and all contracts contributing to the claimed owed amount. 
A contract specifically authorizing the pursuit of the alleged debt against me. 
For Elan Financial Services : Documents substantiating the contractual obligation linking me to the alleged debt. 
Evidence confirming authority to pursue the debt on behalf of the creditor. 
Complete disclosure of agreements and contracts forming the basis of the claimed debt. 
Regarding the credit reporting agencies ( XXXX, XXXX, XXXX, XXXX ) : Detailed records of communications with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that include names, authorities, contact information, and documented evidence. 
Similar records for communications with Elan Financial Services, including contact details and documentary evidence. 
Signed disclosures authorizing the disclosure, verification, and validation of my consumer accounts. 
Documentation outlining the methodology used to modify my consumer report, including sources of information and validations considered. 
These demands aim to secure comprehensive information and documentation necessary for validating the debts in question and the processes used by credit reporting agencies. I am deeply concerned about the inaccuracies and the lack of response from involved parties, which seem to violate consumer protection laws. 

I kindly request your prompt attention and assistance in resolving this matter. Thank you for your time and consideration.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX Account number : XXXX Account balance : {$2000.00} Date opened : XX/XX/2023 Account name : XXXX XXXX Account number : XXXX Account balance : {$100.00} Date XXXX
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
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 (AL)

On XX/XX/XXXXXXXX  Wells Fargo decided to put a charge off on my credit report that should have been put on there in XXXX. For whatever reason they didn't report any data. So now 5 years later, when i desperately need my credit, they destroyed it on XXXX My score dropped XXXX points. I'm XXXX and I'm on a limited income and that hurt me because now I can't have the credit. My credit card companies lower my borrowing limits when my credit goes down, we didn't get all of the handouts during Covid. We paid our bills and I've always paid every single bill I've ever had and they have listed me as missing a payment. I've never missed a payment, this is the letter I got from their escalation department. I've called and no answer. Why do they need to verify anything?! You and them have my information. I need my credit back so I can survive. I thought you were suppose to help me. please help me
Consumer complaint received 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TN)

Speedy cash every month keeps going up on my balance. Instead of the amount owed going down every month it goes up. They took a payment of XXXX a month that I did not authorize.
Consumer complaint received 2023-11-17
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. (GA)

I am writing to bring to your attention the provisions outlined in 15 USC 1681, specifically section 604 ( a ) and 15 USCS 1666b. As per my understanding of these regulations, a consumer reporting agency is prohibited from furnishing an account without the consumer 's written instructions.

I have noticed that there are closed accounts on my credit report, and I would like to formally request their removal. According to the mentioned statutes, I believe that the presence of these closed accounts may not align with the legal requirements. 

Some accounts are listed closed twice Such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also 15 USC 1681 , specifically section 604 ( a ) and 15 USCS 1666b . These regulations emphasize the necessity of obtaining written instructions from the consumer before furnishing an account. Additionally, I have identified instances of reported late payments, and I believe that addressing these concerns aligns with consumer protection laws. I kindly ask for a thorough investigation into these matters and, if applicable, the prompt removal of closed accounts and correction of any inaccuracies related to late payments on my credit report. Your cooperation in ensuring the accuracy and compliance with relevant laws is greatly appreciated.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MO)

Citi Bank states I closed my Shop Your Way Master Card on XXXX. I did not. A disgruntled employee closed my account. This is unethical. Every time a speak to a representative of the company I am told a different story. I did not close my account and Citi Bank is covering up their employees contemptible closure of my account.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (TX)

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : American Credit Acceptance # XXXX, Account Name : American Credit Acceptance # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX, XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX. XXXX, XXXX # XXXX, Account Name : XXXX  XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, XXXX # XXXX 15 U.S.C 1681a-4 -states I have the right to privacy.

15 U.S.C 1681s-2 section B -states a consumer reporting agency can not furnish an account without my written instructions.

115 U.S.C 1681a-5 - states no consumer reporting agency may make any items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 - section A- states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I ACQUIRED MY CREDIT REPORT AND ASKED THE CREDIT BUREAUS TO CHECK AND MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681i I WAITED 30DAYS AND I HAVENT RECEIVED NOTHING BACK MY TRACKING NUMBER IS XXXX AND ONE MORE THING, THEY DIDNT EVEN RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION. 
XXXX, AND TRANSUNION AND XXXX IS HOLDING ME BACK FROM BUYING. NEW HOME AND CAR DURING THIS HARD TIME IN THE WORLD. I AM STRUGGLING AND TIRED OF PAYING HIGH RENT. 
THE CREDIT Bureau IS NOT DOING THEIR JOB ACCORDING TO THE LAW
Consumer complaint received 2024-03-24
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. (NC)

Despite numerous written requests, the unverified accounts listed below persist on my credit report, contravening federal law. The XXXX Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the legally mandated timeframe, and continues to report unconfirmed information. Given all my efforts to rectify this matter directly with the creditor, this now amounts to willful negligence and non-compliance with federal statutes. I demand the complete removal of the following accounts from my credit reports. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-17
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

I went to an Ulta on XX/XX/XXXX where they said I was pre approved for a credit card. I accepted but never received a card. Three months later, I received a notice from my bank that my credit score had decreased because of late payment all of my credit cards are on auto-pay. I called Ulta and transfered me to Comenity bank. I told them that this charge was unrecognized and that I had never even received a credit card to this day I have never received an Ulta credit card. I asked to file a dispute with and they said they would investigate. It took them three months to get back to me about the investigation, but each month in between they charged me with late fees. The mail they sent said they needed more information such as a receipt. I attempted to get a receipt from Ulta but they said too much time had passed so the receipt was not in their system. 

I filed a complaint with CFPB about Comenity bank not resolving a fraudulent purchase on a credit card I have never received and their response was completely irrelevant to my issue. So I am here once again to re-explain that the issue is of an unrecognized purchase that I never made on a card I never received. The card has since been cancelled but I need the fraudulent charges and late fees reported to each bureau so I can get back to my 700+ credit score, which Comenity bank has completely ruined with their negligence and terrible customer service.
Consumer complaint received 2018-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IA)

We sent a payment to Freedom Mortgage by electronic transfer from XXXX XXXX on XX/XX/2018. 

It was never credited to our account with Freedom mortgage although the loan number was correct. 

I wrote to Freedom Mortgage by email on XX/XX/XXXX. They sent me a letter on XX/XX/XXXX, received XX/XX/XXXX stating that I should NOT have written to them by email ( although the web site told me to do so ) and that I should have written to them at a new address in XXXX. 

They said they never received payment and are demanding a front and back check copy ( which does not exist ) and a copy of " ... .your full running bank statement showing the running balances from the date of payment until the current date showing your payment in question has cleared your account and is not showing as Pending is needed fro further research .... '' I do not understand how they can credit other payments appropriately using the SAME method before and after the payment in question. 

I want they to find the payment and credit to my account
Consumer complaint received 2018-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive Sent several letters via fax and mail and also spoken with reps regarding a debit collector that they company keeps reporting onto my credit report ive sent attached documentation and also proof that the account ( XXXX XXXX XXXX ) is not bonded in the state of Texas and reporting the un bonded account is against the texas law The company removed 2 of the 3 account when ask why was the 3rd account still listed the rep couldn't give me a reason I sent another letter via fax and i will attach photo proof with complaint I have not received a response and the account is still listed
Consumer complaint received 2023-11-22
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: Experian Information Solutions Inc. (MS)

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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-17
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: CITIBANK, N.A. (CA)

I called on XX/XX/XXXX to dispute a charge on my credit card as saw a charge posted on my credit card that I didnt recognize. I called customer service of Citibank to inquire about the charge but they couldnt provide me with any information about the merchant which is actually an organization per the charge that I saw on my Citibank credit card app. Btw, its a XXXX XXXX but is a general card and I use it as my primary card. I just called today again, XX/XX/23, since when I open up my Citibank app it asks me to call customer service. The customer service rep, I think is from their fraud department, was apologetic. I was like so you think everyone will have two cell phones registered to them so as to authenticate the customer. So theyve supposedly sent me a letter in the mail albeit Im not home since on a business trip. I will be home tomorrow late night ( XX/XX/23 ) and hope to get the letter with reference number because until then I cant use my card nor can I submit a formal receipt. Ultimately I intend to make the dispute and not use any new card they provide and will then close my account after the dispute is resolved. I find that their authentication practices are inadequate and discriminatory if it requires that a customer has to have XXXX separate phone numbers to authenticate. Banks are typically able to authenticate a persons identity through many means inc SSNs, mothers maiden name, prior addresses, email accounts rather than Citibanks supposed practice of either two phones or sending a letter in the mail that contains a reference number.
Consumer complaint received 2023-11-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/23, I decided to get my roof repaired. I was contacted by a roofing company. I was told to fill out an application to be approved. I informed them, I had a budget and wanted to pay a certain amount. I received an email stating my interest rate was 12 % and I was approved. I decided I did not want to continue with the roof repair. I let the XXXX know. Later I received an email from Service Finance company that my payment will be due soon and they wanted to know if the work was to my satisfaction. I called them and let them know I did not get any work done. In their contract is states there must be a signed contract stating the work was done. They did not receive a signed contract. I called the contractor and they contacted Service finance. They were informed work was not done. I requested to cancel the loan. I thought was a loan approval. Service finance still has the loan open. Service finance informed me I must call the XXXX again and have them cancel the loan. I
Consumer complaint received 2023-06-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MI)

I filed bankruptcy in 2005 and Navy Federal CU was one one of the creditors at that time. Since then nearly 20 years later after a discharge of my debts and my credit has been repaired, Navy Federal CU has used unfair credit and loan practices against me operating as a scorn spouse. I have repaired my credit and have request credit from the credit union which I still have an open accounts there, and they have marked my account for terminal rejection citing " THERE IS LOSS ASSOCIATED WITH YOUR NAVY FEDERAL ACCOUNT ( S ). I find that the credit union is practicing discriminatory and unethical lending practices.