davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX Original creditor XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  Original creditor XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX BY XXXX XXXX XXXX : {$120.00} Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (TX)

I recently filed a complaint in XXXX of XXXX against Ad Astra Recovery Services, about a collection they were improperly reporting in regards to a debt collected from XXXX XXXX. The complaint number is XXXX. They said they would have the account deleted from credit score and it would take 30 days to have the collection deleted. The report is showing that it is still open on all XXXX major credit agencies. And it has caused me unnecessary pain and suffering. Ive had to pay higher premiums and prices for basic necessities just for me and my child to live a basic life. The debt was only {$100.00} but they keep reporting it as {$240.00}. Also if Im reading the report correctly, they just recently reported this account as still being active in the beginning of XXXX of XXXX. I will also be reporting this complaint to the FDCPA.
Consumer complaint received 2022-10-17
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXXXXXX Bankruptcy Case Number : XXXX, XXXX XXXX Bankruptcy Case Number : XXXX, XXXX XXXXXXXX Bankruptcy Case Number : XXXX
Consumer complaint received 2022-10-17
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXXXXXX Bankruptcy Case Number : XXXX, XXXX XXXX Bankruptcy Case Number : XXXX, XXXX XXXX Bankruptcy Case Number : XXXX
Consumer complaint received 2023-03-10
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. (AR)

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies od proof of verifcation if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Crediet reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (PA)

Dear LexisNexis Consumer Center, I hope this letter finds you well. I am writing to bring to your attention a matter of disputed accuracy concerning the bankruptcy information within my consumer report. Upon reviewing my report, I have identified discrepancies related to the bankruptcy entry. I believe the information reported is inaccurate, and I am formally disputing its validity. DELETE IT IMMEDIATELY
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I disputed an automobile ( lease car ) XXXX installment account in my XXXX online account that was settled and paid by insurance back in XXXX XXXXXXXX ( someone hit my car and the insurance concluded total lost on that vehicle ), and the insurance of the driver ( who hit my car ) agreed to cover the loss. However, on XX/XX/XXXX, XXXX sent me a message saying they have a result on my dispute and they will update it on XX/XX/XXXX. And then on the very second day ( XX/XX/XXXX ) XXXX immediately decreased my credit scores by XXXX points without any reason ( my scores had always been around XXXX for all these years! ) and since then I saw a late payment error in my XXXX online account ( not in my credit report )! The XXXX account that I disputed was paid and closed as agreed, it was NEVER LATE. So I tried to call the XXXX ( and Transunion ) many times over the last 3 years but the representative were always telling me that credit score is the underwriter 's job and they can not do anything about it because they are just the representative. I checked on my XXXX online account it says I have a serious delinquency ( late payment for over 60+ days ) which is NOT TRUE because I have NEVER had any late payment! I checked my credit reports ( from all 3 credit bureaus there was NO LATE PAYMENT ). This happened to Transunion too because I checked when I logged in into the Transunion online account I saw a late payment error ( over 60+ days late ) that was not supposed to be existed. Same thing Transunion credit report showed no late payment, only in their online account it said late payment. I couldn't dispute the mistake both XXXX and Transunion make on my online account. I tried to dispute the problem but because it was not in my credit reports but it was in my online account, they didn't do anything to fix the problem when every time I called in ( to both XXXX and Transunion ). And because of this, my credit scores went down significantly for the last 3 years and I still can not find anybody from XXXX or Transunion to help me look into that. Please help me I am feeling helpless. This error existed for more than 3 years but BOTH XXXX and Transunion refused to check on their mistakes. They should not decrease my credit scores without properly checking on my account. My credit scores were ALWAYS between XXXX and I have never once forgot to pay my bill! Please let me know if I need to submit my 3 credit bureaus ' credit reports to support my evidence!
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

The Bank of America Premium Rewards credit card advertises a {$100.00} per year airline incidental credit. They do not make clear, even in the fine print ( " terms & conditions '' ) that the credit does not apply to all domestic airlines. I spent {$110.00} on incidental ( seat assignment ) fees on XXXX XXXX XXXX on XX/XX/19 using my Bank of America Premium Rewards card in the expectation that the incidental credit would apply. Bank of America now says it does not, and that the credit only covers certain airlines that do not include XXXX XXXX, so Bank of America will not credit me the {$100.00}. But their terms & conditions and program rules nowhere name the airlines that are covered, and imply that all domestic airlines are.
Consumer complaint received 2019-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (UT)

Experian, XXXX  and XXXX are erroneously reporting false addresses names and social security numbers on my credit report. I have filed a request with the 3 bureaus and provided them with my drivers license, social security card and proof of residency and requested to have this inaccurate information removed immediately. Experian, XXXX and XXXX  have failed to remove these items and is in violation of the fair credit reporting act. The information that must be removed is as follows Address Ive never lived at : 1. XXXX XXXX XXXX XXXX XXXX UT XXXX 2. XXXX XXXX   XXXX XXXX, UT XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 4. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX 6. XXXX XXXX XXXX XXXX XXXX, UT XXXX I request these address and every variation of these addresses be removed from my report. I have never lived at any of these addresses. I DO NOT KNOW OF THESE ADDRESS. 
SSN that are not mine that show on my report 1. XXXX 2. XXXX I request these SSN numbers be removed from my report Phone numbers that have never been mine. 
1. XXXX 2. XXXX 3. XXXX I request these phone numbers be removed. 
Spouse Name : 1. XXXX This person is not my spouse. I request this name be removed from my file. I do not know this person. 
Names : 1. XXXX XXXX is not my name. I request this name be removed from my report.
Consumer complaint received 2024-04-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (WA)

At the onset of the loan, they required autopay be set up. The loan officer accidentally entered the last digit of my routing number incorrectly, so the first payment failed. When I tried to go into the portal to pay, it was blocked because that payment failed, and I had to call in to make the payment, which they charge extra for. Was told it will be fine the following month. Fast forward 10 months later, and each month, it's the same thing. Payment wont go through, they make me call, and charge me extra. Last month, a lengthy discussion with the 'branch manager ' said she removed the blocks that were set form that first error. I did go in and set up autopay successfully on the portal for the first time. Now four days into the month, I see the payment didn't go through. I went back to the portal, and autopay was turned off, and once again the portal will not let me make the ayment 'because it is late '. They have stated each call that the first payment 'bounced ' which it didnt, it was an error on their side, but they say they can't change that perception of bounce. I believe that they are purposefully making it almost impossible to pay this loan as a practice to get people to default, and to charge extra fees for payment methods. This is VERY fishy, and I'm still struggling on how to make the payment this month as no one answers the phone, the portal doesn't work, and after all, I've done this every month all year already and it has never been fixed.
Consumer complaint received 2023-07-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TD BANK US HOLDING COMPANY (CA)

My name XXXX XXXX My account # XXXX XXXX XXXX XXXX I bought phone XX/XX/ =check in -online and pickup from near me store. It was XXXX Store of XXXX. 
I chose the payment plan, which is more convenient for me. 
This is a 24 month plan for a single payment of XXXX 
I got approved. I went and picked up the phone at the XXXX XXXX, CA. 
I downloaded the application ( aka XXXX XXXX, but it was TD Bank ( as on TD XXXX Card Servises ), linked my debt card And set up auto payment ( as I thought ). 
And forgot about it. BUT- AutoPay and System Notification is not working in your app. 

But I found out about this three months after the purchase. What saddened me. 
In these months of delay, I did not receive either a letter No any emails. No any SMS about missing payments, nothing. 

somehow I became the owner of a XXXX  credit limit. I did not agree to this. I was deliberately misled. I wanted to buy a phone for XXXX. Everything else is the use of official position to sell credit limits. 

I deliberately became a debtor and creditor who is a millimeter away from a drop in credit rating. The bank did not answer the question why I have a limit of XXXX XXXX. 


I want to get rid of obligations to TD Bank ahead of schedule for deliberately misrepresenting a loan product, hushing up the terms of service. This is the worst banking app I've ever used, which has resulted in my credit rating getting worse and incurring unexplained debts. Help get rid of. Please
Consumer complaint received 2024-04-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

Canceled XXXX. Paid last months bill on XX/XX/23. They continued to charge us a finance charge each month after on money already paid. On XX/XX/XXXX we call them AGAIN. Make sure we reiterate that service should be canceled. Explain we already made the payment. They show no payment being made. They send us to a form on their website to report payments made but not reflected on the account. Downloaded documentation proving we made the payment. Got no response. They just keep sending me bills along with sending account to collections. On XX/XX/XXXX we get collections notice. Sent the collections company proof that bill was paid and we did not owe any monies. Again, received another TWO bills from XXXX AFTER sent to collections with amounts accruing in finance charges. I've exhausted myself fighting a {$130.00} bill that is now over {$200.00} according to them.
Consumer complaint received 2018-05-29
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: Bread Financial Holdings, Inc. (CA)

I was shocked when I reviewed my credit reportand found late payment on the dates below : 30 days late as of XX/XX/2016 I am not sure how this happened, Ibelieve 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.
Consumer complaint received 2022-09-24
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

On the last week of XX/XX/XXXX I opened a XXXX credit card with chase bank because they offered a promotion of XXXX dollars statement credit if I spent XXXX on the first two months. So I did use the credit card to pay for some XXXX tickets on XX/XX/XXXX they charged {$49.00} as credit card fee. I paid XXXX dollars for the tickets plus XXXX on a different transaction to complete the XXXX dollars requirement and as of today XX/XX/XXXX they havent applied the credit they promised on their ad and every time I called they said they will check and have me call back even when their agents confirm that I should get the credit. Last month I paid whatever amount I owed besides those XXXX dollars credit to avoid paying interest on it but they will keep charging interest. I feel like I was deceived by Chase Bank because I didnt need nor want their credit card and the only reason I got it was because I thought I would save some money by doing it but in the end is costing me more on interest and by the time they decide to apply the credit they promised if they do it I probably would not have saved any money anything at all and may be pay more than if I had paid with my other credit card. Not to mention that now Im stuck with a really high interest credit card
Consumer complaint received 2024-04-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: MIDFIRST BANK (GA)

Do to mortgage company 's system issue misrepresent that didn't meet all conditions for HUD mortgage assistance due to missed payment during the three month trail of HUD mortgage assistance program I qualified for at the time the system denied the apples. I was told this information by a representative of my Midland mortgage on XX/XX/year>. I sent proof that I did make all payments on XXXX. On XX/XX/year> I followed up with mortgage company to confirm that they received proof of payment in order for them to proceed original HUD application. Per rep XXXX at approx XXXX XXXX  told me that yes they received proof of payment but that they are going to have to renege in moving forward with original application even issue was their system not properly updating the payments on the account. Instead without my consent processed a new mortgage assistance application request. I asked her what was needed to submit a complaint since they are not fulfilling their part of original application contract conditions. She said that she would have to submit it on my behalf and that I could not do so myself. They reneging to fullfil their part of original terms of application which is a breach of contact. I was never sent copy of terms/conditions, checked my inbox message center on company dite to get copy with no avail, and they would only provide conditions verbally. This has had a negative impact due to their systems issues, renigging, and not attempting to comply to original HUD application conditions.
Consumer complaint received 2023-02-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (FL)

I went to XXXX  office, where they would read me the tests sent by the dr , the dr indicated XXXX XXXX  and they told me that insurance did not cover it, I asked how much I should pay and they told me {$350.00}, I said ok I'll pay it, and I paid it, They put me on XXXX XXXX a few months later I get a bill that owed {$40.00}, I called XXXX times and they didn't give me an answer, they would call me later and nothing and now I get a letter from a debit collector.