davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXXXXXX the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate. 

XXXX XXXXXXXX the payment history and the date last active is inaccurate. 

XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There is a delinquent payment posted to my credit report for my XXXX account ; however, this was the fault internally of XXXX when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my BA Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through rehabilitation in XXXX. I never received any type of correspondence from XXXX regarding the status of my forbearance. I then started to look into going back to school to obtain my Masters Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my XXXX account. From when XXXX XXXX was the servicer back in XXXX XXXX. This was when I was still in rehabilitation and determined to be XXXX XXXX XXXX from being hit by a drunk driver, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my MBA degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under XXXX 30/60/90 days late XXXX appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of XXXX and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and XXXX  Refuses to remove it. They hang up on me every time I try to talk to them about this.
Consumer complaint received 2024-04-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-07-19
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. (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the date they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an account that has already been paid. This account should be corrected right away : XXXX XXXX XXXX XXXX Balance : {$6800.00}.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (NY)

On XX/XX/2024, My Current account was hacked and took my entire paycheck which was XXXX and my paycheck advance which was {$250.00} that again was not authorized I wasnt able to log in and Current didnt do nothing about it they brushed it off after expressing my frustrations.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

On XX/XX/2024 at XXXX XXXX pm there were mutiple atm withdraws made from my chime checking account. I never received notification the money was being taken out of my account. On XX/XX/XXXX i noticed the withdrawals were made and from the state of Illinois. The total amount of charges including the atm fees were $ XXXX have never lost my debit card and I live in the state of Florida. The first time I called chime I was told there would be an investigation and it can take from XXXX days for the investigation to be resolved. On day XXXX of the investigation I was emailed that the request was being denied. I've called back mutiple times to dispute the charges and was told I would receive an email and paperwork showing showing why it was denied. I have never received any paperwork .Each time I've called in and sent in information it gets denied within an hour. I have sent in a police report and also other information chime asked me to provide as well as the police report i have filed. I also sent in a photo with the time stamp from the scarp yard I went to on XX/XX/2024 proving I could have not been in the XXXX Illinois. I have never been to that state and would like my money to be refunded to me. This has made me late on my rent and also behind on my bills. I am willing to sue Chime and also go to social media and news if the dispute is not resolved.
Consumer complaint received 2023-05-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

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 2023-06-19
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. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

I read a post on local yard sale website that had a mixer for sale. Person asked for pre payment. The address and name was local. I XXXX  them XXXX dollars. When I confirmed with them the name and post was deleted. I realized the that I was scammed. On XX/XX/XXXX th XXXX dollars was taken out of my checking account. I alerted pnc right away and a claim was opened. A week later PNC sent me a letter stating that they found no proof that it wasnt legitimate. I sent PNC the phone number I sent it to and I actually called it. A man answered and said he doesnt know anything about it.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX 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 2023-05-06
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. (NC)

I'm filing this complaint to alert you that I was the victim of identity theft. I looked into how to delete the bogus entries from my report and discovered that I needed to file a report with the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Credit reporting agencies are required by FCRA section 605b to remove/block any items reported on an id theft report. Please see the ATTACHED documents to help you stop the incorrect information that is being uploaded on my report. 

The following is a list of items that do not belong to me and were opened without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-05
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WV)

Comenity Bank processes XXXXXXXX XXXX credit cards. I had set up automatic payments through the XXXX XXXX website. I used my XXXX checking account. In XXXX, Comenity processed my payment but indicates they received a stop payment from XXXX. I did not stop payment. Comenity then sent a message indicating I had a message in their message center. I did not see that message until late XXXX when I received a XXXX XXXX message indicating my account was overdue. 

I immediately went online and processed a payment for the full balance and received confirmation. Today, I went to do my XXXX bill payments and realized there was no credit in my XXXX account for XXXX. I checked online and saw that the payment had been returned. Called Comenity and was told XXXX had returned the check. I called XXXX, and they had no record of any charges coming through that would result in a returned check ( I have overdraft protection ) and no issues with the account that would have resulted in the payment being declined. 

I called Comenity back and was told I needed to have XXXX send documentation indicating the information on the returned check. I pushed back because XXXX had no record of a returned check/payment or any item that would have had to be returned. 

Comenity indicated I must have put a stop payment on the account- which I did not do. The letter I received from Comenity indicated I requested to stop automatic payment but then the Comenity rep said they were stopped because of the returned payment. I did not stop payment to Comenity and XXXX has no record of any payment request coming in. I asked if Comenity shut down my automatic payments because I had not used the card for 9 months- they didn't respond but reiterated I would have had to do a stop payment or the account had insufficient funds -- neither was the case as confirmed by XXXX XXXX 

Comenity did waive the late fee but I was also charged returned check fees when there was no reason for the payments to be returned. Additionally, I could not use my primary checking account because Comenity would not allow it to be used until payments were good for 3 cycles- there was no communication regarding this until I brought up the earlier payment I had made today when I first called in. The first rep at Comenity took my payment and I left that call at least thinking the payment had been taken care of but, in pushing on why payments weren't clearing, was finally told they were not going to be allowed to go through. So, Comenity would, yet again, charge a returned check fee even though they knew it wouldn't be processed because of the situation.

It appears the payments never went out from Comenity to XXXX to be processed. What isn't clear is why the first one didn't go out ... that seems to have been the catalyst for the churn in their processes.
Consumer complaint received 2023-11-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (PA)

On XX/XX/XXXX, XXXX XXXX XXXX  mobility billed me, in advance, for the upcoming service period of XX/XX/XXXX through XX/XX/XXXX. However, I changed carriers to XXXX on XX/XX/XXXX, and, therefore, would never receive any of the services for which XXXX XXXX XXXX is attempting to collect. The documents submitted with this claim unequivocally support this. 

I called XXXX XXXX XXXX to dispute the advance bill as these services were never rendered. Their representative attempted to " settle '' for {$50.00}. I asked the XXXX XXXX XXXX representative what services they would be providing and they stated " none '', but that " it is their policy to bill in advance ''. I told the XXXX XXXX XXXX representative that I am disputing the entire advanced billing attempt since XXXX XXXX XXXX would not provide any products or services as claimed on the invoice, since I switched carriers prior to the start of the billing period in question. Based on XXXX XXXX XXXX XXXX own terms of service, I do not owe any sum for the period in question. Furthermore, I have documentation showing XXXX also billed me, accurately, for the same dates ( XX/XX/XXXX - XX/XX/XXXX ) for the same phone numbers. 

XXXX XXXX XXXX later added roughly {$6.00} in interest/late fees before leveraging multiple third-party debt collectors in an attempt to scare me into paying for services never rendered, or risk damage to my credit rating with the 3 bureaus. " XXXX XXXX '' is the latest third-party debt collection agency leveraged by XXXX XXXX XXXX in their attempt to defraud me. They have sent collection emails to me on XX/XX/XXXX and XX/XX/XXXX as of this writing. 

Following the submission of this formal complaint, I am mailing a dispute letter to XXXX XXXX, expecting that they cease and desist any and all actions pertaining to this matter. The attachments herein are indisputable evidence that XXXXXXXX XXXX XXXX erroneously attempted to bill in advance after they no longer owned the phone numbers in question, as both they and XXXX billed me on XX/XX/XXXX for the service period of XX/XX/XXXX through XX/XX/XXXX. As such, I do not owe XXXX XXXX XXXX any debt whatsoever.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I disputed XXXX a collector which states its on behalf on XXXX XXXX. It was on my 3 credit reports Ive disputed them on 3 occasions each or more. Im pretty sure equifax is the only credit bureau that let it stay. XXXX and XXXX seemed to have deleted it, and I hope it stays off. It isnt my debt. I asked for proof or evidence from XXXX such as a signature. I even went over my rights under FRRA. It is my right to do so.They sent me a short letter saying that they received my dispute, and feel it was done by a credit repair or 3rd party instead of myself. That is not the truth. I did it on my own. They refused to investigate and basically laughed in my face. I guess now we are allowing anyone to put anything on our credit reports and get away with this. I plan on doing everything I can to get these fraudulent companies to remove false reporting on my reports. Ive disputed with XXXX, equifax, and XXXX. Pls have this removed. The letter that thus horrible collector XXXX sent me will be attached.
Consumer complaint received 2018-10-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCalla Raymer Leibert Pierce, LLC (CA)

This Company name XXXX XXXX XXXX XXXX ( It looks the owner/owners of this company owned before XXXX XXXX XXXX XXXX ) sent me a letter Stating I owe the Amount {$900000.00}. 
I sent them a Certified letter disputing the Amount, However this Debt collector ignored my letter and pursue with its the Illegal Act first recording a void Document stating I owed {$900000.00} and later they to try to sell my house in a Foreclosure Auction on XX/XX/2018.I  believe its action of this Company has violated my rights under the FDCPA.I would like to make a formal request to have Regulators from the CFPB to look into the practices these 2 Companies XXXX  XXXX XXXX , XXXX & Mc Calla , Raymer, Leibert, Pierce, LLC engaging using the same Phisical Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX, Besides I believe its illegal also to send dunning letters as they used a XXXX XXXX  XXXX XXXX CA XXXX XXXX
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CO)

I have made many calls to USBank trying to see why they blocked access to my account. USBank teller I spoke with XXXX XXXX I asked to speak to the branch Manager she refused to speak to me is what XXXX XXXX explained to me. I called the USBank number and no response they told me I needed to go to the branch and walk in. Every effort I was unsuccessful. So I looked up the Corp name to contact. 

Dear XXXX XXXX, XX/XX/2023 I was a client of your US bank for the past four months and held a checking account in your branch on XXXX XXXX XXXX. My understanding was blocked access on XX/XX/2023 I was told that the account had illegal activity. I had sent money ( XXXX. ) through XXXX to my bank account with XXXX XXXX to pay my bills. I went inside the bank and spoke to XXXX XXXX ; she made calls and told me that I had cashed a check that came back returned. I explained I deposited cash, not a check. Due to incorrect information, I inquired with your branch, and they just gave me the runaround. 
I am sad to say that despite making calls to your branch and the customer-care toll-free numbers, there has been no delivery of my money. They closed my account on XX/XX/2023. I received my letter that they would send my money in a cashier 's check and update me. To this day, I haven't got an explanation as to why. I'm a XXXX individual. I care for a family member with XXXX XXXX. I live off XXXX. My electric bill wasn't paid, and my service would be cut off. I'm at the point where I'm going to file a complaint with FDIC & have the local news look into getting an answer for me. I have been mistreated, and I don't deserve this treatment. I want my money back. The account details are as follows : I request you to look into my case and help me receive my money at the earliest and oblige. 

Thanking You XXXX XXXX
Consumer complaint received 2024-04-22
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: GOLDMAN SACHS BANK USA (AZ)

On XX/XX/XXXX I opened a dispute with Goldman Sachs regarding a transaction on my Apple Card. I provided the initial contract for the services I signed, receipts of payment, and a statement saying I did not receive the services outlined in the contract. On XX/XX/XXXX I was told the outcome of the dispute was that the evidence provided confirmed the services were received. This is untrue because there was no merchant response to the dispute and all the evidence I provided stated that there was a contract that was not fulfilled. I reopened the dispute that same day. 

I had split up this purchase across XXXX cards, and the other card found the dispute legitimate with the same evidence provided. When I reopened the Apple Card dispute I provided them with the other card investigation findings and dispute outcome. 

On XX/XX/XXXX I was told the outcome of my dispute was the same and there is not enough evidence to say I did not receive the services. I called customer support and they said many people provide pictures of empty porches or things indicating there was nothing received. I reopened the dispute on that day. 

Its a service so I couldnt do that, so instead I convinced the merchant to sign a letter stating I did not receive the services outlined in the contract and no refund was issued. All members of the original contract signed the statement. 

On XX/XX/XXXX I received a notification saying that all the evidence provided was not sufficient to substantiate the claim. Up to this point I had provided the initial contract, payment receipts, a third party dispute investigation resulting in a legitimate dispute finding, a written statement by me detailing what happened, and a written and signed statement by all signers of the original contract stating the services were not received and no refund was issued. There has still been no merchant response to this dispute. The Apple Card rep stated there is no documentation related to a refund- if the dispute investigation team had read the documents provided, they would see a refund is covered in both the contract AND the signed statement from all the signers of the contract. I reopened the dispute on XX/XX/XXXX. It currently remains open for the XXXX time. 

It has been over 6 months since my initial dispute was opened. I have provided sufficient evidence proving that the services were not provided. Based on the responses from the dispute investigation team, they are not reviewing the evidence provided as each request is provided in the documented evidence.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

My student loans were paid off/forgiven in XX/XX/2023 with XXXX. I received a letter stated that I have a XXXX balance and no longer owe money to XXXX or Dept Education.