davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (IL)

On XX/XX/21, Macys ( the department store company ) called me about what it claims is a past-due payment on my Macys credit card ( hereinafter, MCC ). I informed the Macys agent that I was unaware of any account balance, which the agent said is greater than {$2000.00}, or that a payment in any amount was due and that, furthermore, I had never, prior to the subject phone call, received any communication from Macys informing me of such indebtedness. During the next half-hour-plus of phone time, about 80 % of which I spent on hold, the agent neither informed me of the amount then due nor would he direct me to an online site that would provide an accounting of my transactional history. A second phone call with Macys, which lasted another approximate half hour ( 90 % of which time I spent on hold ), again yielded no information about MCC transactions. Later, that same day ( XX/XX/21 ), I received a no-reply email from Macys ( time stamped XXXX ) stating : Your Payment is Past Due. The email did not indicate the amount due nor did it direct me to a web site for additional information relating to my account or alleged indebtedness. Having already spent more than one hour ( mostly on hold ) during two phone calls with Macy 's, I am now reluctant to again subject myself to such hold-and-wait abuse with no results.
Consumer complaint received 2021-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi KOHLS/CAPONE ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, 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: CITIBANK, N.A. (TN)

I have tried several times to login my credit report on XXXX  with no luck. I can reset my password and after that I cant login. I have spoken with their tech support and they couldnt help. I need to dispute an account on my report. As for the dispute I was an authorized user on my Mothers account which I requested to be canceled. The other reporting agencies have deleted the information from my account but for some reason it still shows up on XXXX
Consumer complaint received 2021-08-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.
Consumer complaint received 2021-08-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I have submitted a debt validation dispute and it has been way past the time legally alotted and havent had any response yet.

Original sent XX/XX/21 Sending second validation request XX/XX/21
Consumer complaint received 2021-08-07
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To Whom It May Concern, I would like to file a complaint against Bank of America. My name is XXXX XXXX. Last 4 digits : XXXX, Claim ID : XXXX, Reference number : XXXX The bank helped an untrustworthy merchant to steal {$6600.00} as the estimated amount for the goods and money stolen from me. The bank did not uphold its standards or reputation to assist me with my claim, allowing the merchant to sell me blatantly fraudulent merchandise which I have received verification from 3 authenticators about its false authenticity. When negotiating with the buyer, he promised to assist me with my merchandise after the initial claim ruled in my favor. I sent the money and the buyer proceeded to accuse me of not sending the money and basically leaving me with fake goods and none of my money. 

After I filed another complaint, the bank told me to send the merchant their merchandise back and provide evidence with a tracking number. I proceeded to do this and the bank closed the dispute saying that they couldn't do anything regarding my claim without any details. When I went to the bank, they informed me they closed the case and couldn't do anything, after I did what they asked to return the merchant their goods. The bank allowed the goods to be taken by a fraudulent seller and failed to further assist me with my case, even after I conformed to their demands to escalate my case which did not happen. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX
Consumer complaint received 2021-08-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-25
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. (DC)

Cfpb complaint inaccurate information In pursuant to 15 US Code 1681 this is considered a violation I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This comany is reporting inaccurate credit limits, inaccurate High Credit, Inaccurate Last Reporting Date, inaccurate Date Last Active, inaccurate Date of Last Payment. Congress has made it clear of the FDCPA to ensure 100 % accuracy this information reporting is not 100 % accurate and should be deleted XXXX XXXX # XXXX
Consumer complaint received 2021-08-07
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. (RI)

On XX/XX/XXXX at XXXX XXXX  est a payment in the amount of {$1000.00} was made to XXXX XXXX and I was hit with a 30 day late payment on my credit report.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

In XXXX of 2021 I received a letter from Southwest Credit systems stating that I owe a XXXX phone bill. I responded within 30 days asking for debt validation. They sent me a copy of a statement from XXXX that has no signature from anyone. I noticed that the copy they sent me is the same one that was sent to me previously from another collection company named XXXX XXXX. They could not validate the account either. I sent another letter to Southwest Credit asking for full validation or the removal from my credit report. I also stated to them that I am in the middle of a major purchase that relies heavily on my credit score and by them reporting this to my credit report may have put this purchase in jeopardy. Southwest credit just sent a copy of the same statement again with no kind of respone to what I had explained to them. I have called XXXX several times asking about a bill in my name and they told me that I do not have any outstanding bills with them. Southwest Credit has not contacted anyone at XXXX and they are just getting their information from a fraudulent statement that can not be verified. They can not prove the account number, the amounts or anything else about this account. They are going by the information they received from XXXX XXXX. They haven ; t shown me any documents showing that they have been contracted by XXXX XXXX to even try to collect on this account. Southwest credit put this account on my credit report the day they signed for my validation request
Consumer complaint received 2021-08-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ray Klein, Inc. (OR)

We continue to get telephone calls to our home number from PROFESSIONAL CREDIT SERVICE at XXXX. We have perfect credit and do not owe anyone, We hang up as this is so annoying! We are elderly and someone is trying to take advantage of us and our age and financial status.
Consumer complaint received 2021-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (CA)

Dear CFPB, If this wasn't happening to me then I honestly wouldn't believe it. I have been a loyal card holder of my XXXX credit card plus I drive an XXXX XXXX. Both items have never been late but for some strange reason I receive a threatening letter from XXXX card member services on XX/XX/2021 indicating in a letter format that because my account is currently inactive for non using my " XXXX BALANCE '' credit card during covid ( which I purposely did not use because I didn't want any debt because of these uncertain times ) ... the letter plainly stated I was a credit risk. 

In fact the letter says : The primary reason for this decision were - * Account is currently inactive The letter from Card member services went on to say that my good standing credit card would have its balance reduced from {$2500.00} to {$500.00} which ultimately would affect my credit score " SEVERELY '. And it did. I received a credit alert notice from XXXX  today stating my credit score had dropped 10 points because of the reduction in this credit balance.

Cardmember services indicated in its letter that there decision was based on a credit report they pulled from XXXX  ( when I did not authorize this nor was I credit risk ) so this was pulled fraudulently and maliciously. I feel they are targeting there XXXX American base of clients with this redlining process they are implementing. if I had a high credit limit, was late multiple times or behind on a current payment then I would understand the retaliation but thats not the case here. 

I have a " XXXX BALANCE '' credit card in impeccable standing and as a consumer I am choosing not to use it unless its for emergencies just like the rest of the population - preferably XXXX. 

I always maintain a credit score somewhere between XXXX to XXXX but even in this situation I still had a high score considering the national average. I have attached a copy of my credit score from XXXX  which I'm a member of XXXX XXXX and I monitor my credit like a hawk so for this to happen and get punished for actually having a pro balance during one of the bleakest periods in history for mankind is really scary that Cardmember service is taking this bold move to harass, punish and push its members to run up debt to appease its shareholders is absolutely pathetic to say the least.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I have disputed the same XXXX XXXX account with Equifax multiple times as this account has been closed for over 4 years and they are illegally reporting it as open. I filed a complaint with the CFPB in XX/XX/2021 ( XXXX ) again about this account as it had sat in dispute status for over 2 years with no resolution. Equifax stated they would request information from the furnishing company to resolve the dispute and the CFPB closed the case. It has been over 7 months now and this account is still being reported by Equifax as open and being disputed. Equifax continues to violate Section 313b of the FACT Act and by law are to delete this account or face financial fines and penalties for their failure to provide accurate and current information and to resolve this issue within 45 days. Both the XXXX  and the CFPB continue to let this company get by with merely stating they will check with their data supplier and are not holding this company accountable for their failure to follow the law. This can not be attributed to any COVID issues either as it has been in dispute for almost 3 years. The XXXX XXXX account needs to be deleted now or I am requesting this company be held liable for their violation to the full extent of the law and all accompanying fines and penalties for their willful neglect to follow it.
Consumer complaint received 2021-08-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine
Consumer complaint received 2021-08-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am very upset with this issue regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX XXXX has continued to contact me for more than a year regarding a debt that is no longer owed. The debt that XXXX XXXX XXXX XXXX is attempting to collect has expired, as this account went into collections in XX/XX/2009. I have continuously explained to the collectors when they call that I do not owe this debt and to no longer contact me. This is not a debt that reports on my credit report. After requesting the debt collector to no longer contact me for over a year I am left with no other choice than to make a written compliant. I have sent a cease and desist letter.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following public record and credit inquiries isnt my public record or credit inquiries : Bankruptcy Chapter XXXX-Discharged, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX/XXXX, XX/XX/XXXX
Consumer complaint received 2021-08-07
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. (MN)

I have sent letters to the U.S. Department of Justice, U.S. Senate, U.S. House of Representatives, Federal Trade Commission, and Consumer Financial Protection Bureau, requesting an investigation into the following fraudulent and unauthorized credit inquiries thats constantly listed on my XXXX, XXXX  and Trans Union credit report : XXXX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2021-08-07
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. (TX)

I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that don't belong to me or I never authorized. I notified my family lawyer and he instructed me to file a complaint with the CFPB 1st. The following accounts are fraudulent and are not mine and need to be deleted from my credit report. XXXX/XXXX  XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XXXXXXXX. Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX. Also on my personal information my Address is : XXXX XXXX XXXX XXXX, Texas XXXX and my Employment is XXXX XXXX XXXX XXXX XXXX. Please correct my information, none of the other personal information applies to me.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (UT)

US Bank is reporting late notations for XXXX on a credit account and XX/XX/18, XX/XX/18, XXXX on my mortgage account. I went through some pretty serious hardships and paid as soon as I could. I ask that US Bank please make a one time goodwill adjustment and remove the late notations on my credit file. This would help a ton and I have been a very long time customer and love banking with US Bank and ask they make a one time exception and remove the lates.
Consumer complaint received 2021-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (AK)

KEYBANK CARDS OPS, their mailing address : XXXX XXXX XXXX  XXXX, OH XXXX - XXXX Your new Key2Benefits their copyright R encircled on upper right side of lower case letter s after the word Benefits then below commercial promising advertisement says Secure convenient access to your Alaska Unemployment Insurance benefit payments. To activate the card call 1800 295 2955 I have used this card at XXXXXXXX XXXX XXXXXXXX in XXXX to buy hot chicken wings and pizza minutes later I checked my Keybank Unemployment Insurance checking account using this same particular card it took my {$200.00} dollars, I doubt it was the bar tender. Now, my {$2.00}, XXXX dollars gone with the wind.