davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (MS)

On XX/XX/XXXX, Cedar Business Services alao doing business as Cedar Financial placed a collections account on all three of my credit reports for an alleged debt from XX/XX/XXXX from the Original creditor, XXXX. I did NOT make this purchase during that time. However I did make a purcahse with XXXX back in XX/XX/XXXX and I'm attaching the receipt so you can see that the purcahse that I made in XXXX of XXXX was definitely paid for. Now during this transaction that I did make in XXXX of XXXX there were several things that went wrong with the transaction. For starters, my card was charged twice for the one piece of furniture that I purcahsed which was a dining table set. I reached out to a Supervisor at XXXX and he assured me they would refund the charge because he seen where the account had indeed been charged twice for the one dining table set. They did refund my account for the second charge. Next, when the dining table set arrived the middle leg piece what the table sits on was broken. I again, reached out to XXXX and spoke with another supervisor who explained to me that they were sorry this happened and would send out the replacement piece at no charge to me. They did send out another middle leg piece for the table. This was the first and last time I've ever purchased anything from XXXX because of all the issues and me having to go through so much with them to get them to send out a replacement piece and for them to refund my account. I had to actually speak with a couple of supervisors because it took a while for the replacement piece to arrive. 
After this purcahse and debacle that I went through I have never dealt with XXXX again and have never heard anything else from them. 

Now years later, a collections company Cedar Business Services also doing business as Cedar Financial has placed an alleged collection account debt on my credit report saying I've made a purcahse from XXXX in the amount of {$590.00} on XXXX XXXX. I did NOT make this purchase and Have no idea as to what purcahse they are speaking of. The only thing that I can think of was the pircahse I made back in XXXX of XXXX amd all the mistakes that were made from my previous purcahse back in XX/XX/XXXX. 

I'm attaching a copy of the receipt where you will see where there were clearly two charges on my card and then you will also see where they refunded the second charge back to me. You will clearly see the one charge on my card where the purchase was indeed paid for. You will also see, where the replacement piece ( broken damaged middle leg was returned to them ). You will also see where they have something on there that says bad debt but this is untrue because you can see where they charged my card for the dining table set. 
I would like for the CFPB to have Cedar Business Services also known as Cedar Financial to remove this debt from my credit reports.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Incident time and location : XX/XX/23 XXXX pt time, on th phone XXXX with capitalone employee XXXX ID number : XXXX Details : My checking account fund of XXXX dollars are not being used or transfered im behind my mortgage payment and medical bill, needing the fund immediately. 

I uploaded my government ID per email instruction and called today to make sure my account is cleared. When I spoke with XXXX, she was more introgating no-banking related questions, she asked where I'm and if I'm in the United States , what I'm going to use this fund for and how I'm going to fund this account, I qustiond her about these intrusive questions and expressed my discomfort, instead of assisting me to address my need she is roboticakly striking her on her keyboards document diligently and I happened to find out my conversation about my plan to XXXX is documented in my account note, I questioned again why all these and how long i have to face these experiences, she replied it is up to capital one and it depends and it is to capitalones discretion. informed her I refused to answer and I feel I being treated like a criminal by her and the bank and it is my fund I need yo withdraw, she then bluntly stated I'm not going to remove your restriction then I requested to speak with her supervisor she questioned me why I explained I need to address my experience and ask the manager to further assist my withdrawal request. She put me on hold twice and the call disconnected. 

In addition to this incident, I have encountered other checking account issues and credit card acckunt issue, basically, capital one deducted my checking account fund but not reflecting the payment on my credit card balance at all or they will reflect partial of it, these strange incidents making worry if they are using my fund to invest their financial products and causing my fund delay. 

Appreciate your assistance. Thanks.
Consumer complaint received 2020-01-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (VA)

Used Synchrony/Sam 's Club XXXX  regularly paid off balance every month XX/XX/2022 balance was paid off by XXXX XXXX XXXX  was not applied to my statement appealed statement and provided proof of funds transferring from bank account to Synchrony back and forth with Synchrony for several months eventually, Synchrony double billed me for the original charge and refused to credit account now, trying to get loan for kid to attend college and an adverse report on my credit prevents me from getting student loan
Consumer complaint received 2021-03-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

I Sent in dispute letters for unverified information on my credit profiles for all three credit agencies. none of the agencies informed me of a pending investigation for any items, and it has been over 30 days. I have sent in a letter demanding the erroneous items that werent investigated and/or verified within the allotted 30 days are deleted.
Consumer complaint received 2022-12-07
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. (NJ)

this is a real personal complaint made by me XXXX XXXX. Not a third party company or anyone else. I am a victim of identity theft, i submit a report to the credit reporting agencies and they didnt remove any of the accounts. and per the fair credit reporting act they have 4 days to remove all of the accounts.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-06
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

the consumer reporting agencies have been put on notice that they are reporting inaccurate information and refuse to delete claiming to have verified the information. they claim to have validated the information using statements and consumer credit contracts. they have never validated the alleged debt and are pursuing to attempt to collect a debt that has not been validated. 
the attachments are of my most recent credit reports which show that XXXX has deleted the account that I am asking to be validated not reinvestigated, yet Transunion and XXXX are in blatant disregard of there obligation to report accurate credit information pursuant to the FCRA. The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j
Consumer complaint received 2024-04-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (MO)

Back in XXXX  Public Service Loan Forgiveness ( PSLF ) Program Limited Waiver Until XX/XX/XXXX, XXXX I applied for this waiver. The dept of education denied it saying the forms were not signed by my employer. I refaxed the forms and they still have not reviewed it and have put me back into making monthly payments.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

Citibank offered a tiered bonus promotion with the deadline to open a new checking account by XX/XX/22. Please see uploaded files for terms and conditions of the promotion. Please note the date and time of promotion detail files. 

Timeline of my experience : XX/XX/22 Applied and Opened new Checking Account XX/XX/22 Deposit a check for over {$15000.00} in branch to satisfy deposit requirement XX/XX/22 Balance was maintained to meet the following requirement : " Maintain the required Minimum Balance** in your eligible account ( XXXX ) for an additional XXXX days from the XXXX day after account opening. '' According to the terms of the promotion, the {$400.00} bonus should have credited to my account at the latest by XX/XX/22. 

XX/XX/22 Contacted Citibank by phone ( XXXX ) to initiate a dispute Reference # XXXX. Rep mentioned that the investigation may take up to XXXX business days. 

XX/XX/22 Called for an update when not correspondence was received. Rep communicated that the investigation is still in process and could not say how long it will take. 

XX/XX/22 Called for an update and was asked to wait another week. 

XX/XX/22 Received a secure message letter - copy of letter uploaded as part of this complaint. Although not part of the terms and conditions of the promotion, the letter requested additional information. 

XX/XX/22 Received another secure message that the dispute was resolved. Simultaneously, the original XX/XX/22 message was deleted and replaced with the same brief message as the XX/XX/22 secure message stating that the dispute is resolved. 

I was not even given XXXX hours to contact Citibank and provide the requested information. Please see uploads of messages from Citibank as well as proof of my eligibility.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

This account from forever21 was oped as fraud in my name and the company has done nothing, I asked for information im told otherwise. this account has been on my report for a very long time and ive gotten so much hassle to remove when I didn't open the account in the first place. which has hurt my credit very badly. which is not fair.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (AZ)

Good Morning, I have a Caesars rewards Visa card with Comenity bank " The bank is a subsidiary of Bread Financial '' Customer Care Address. Comenity Bank XXXX XXXX XXXX. XXXX, OH XXXX I had a balance of XXXX on my card however, I've paid the entire balance as of XXXX XXXX That said, Comenity bank has not reported my credit since XX/XX/2022. I had several attempt to contact and ask them via phone why it wasn't reported but customer service always mentioned that they can't do anything about it. 

Following phone contacts with no results, I've sent messages to the customer service asking them to remove it but they responded back to me to call the customer service which was a loop of poor consumer relations and mishandling of the case. 

When I got a car loan in XX/XX/2022 this credit balance lowered my credit score and caused a higher interest rate. 

Fair credit reporting act 15 U.S.C. 1681-1681x clearly states that company should report credit in a timely manner. 

Appreciate your help on resolving this issue. 

Thank you, XXXX XXXX
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-06-06
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. (LA)

I was trying to buy a house and I realized that I had damage on my credit report according to the 15 U.S.C 1681 they should not be any damages on my report this is a defamation of my character. 

In XXXX I lost my job due to XXXX. per the CFPB website we were advise if you are having problems with paying your bills during COVID-19 to reach out to your Leanders or creditors and find out what options or programs were available. I reached out to every company. XXXX would not approve payment deferment on all my account. I had to try to borrow money to pay XXXX. If I was unable to make payment and company could not defer that account I received an 30 day late on my credit report. XXXX used a company system and it would only allow 1 or 2 account to be deferred at a time. 

Once I started receiving unemployment payments I was able to make payments on my accounts. I was not able to find a job until XX/XX/XXXX. 

The government advise all the creditors to forgiving late payments during COVID-19 XXXX and XXXX XXXX did not offer grievance during COVID-19 XXXX has damaged my credit with 6 accounts and several late payments. I had 8 accounts totaling over {$10000.00} and was never late until I lost my job, XXXX XXXX reported 1 late payment in XX/XX/XXXX. I have written letters and sent several emails asking to remove late payment. XXXX XXXX sent back a very nasty letter. I had this account since XXXX and never been late.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (AZ)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current