davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-05
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. (IL)

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following credit inquiries are related to none of the aforementioned permissible. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible. 

XXXX XXXX DATE OF INQUIRYXXXX XXXXXXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX XXXXXXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXX  DATE OF INQUIRY XXXX, XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXXXXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX XXXX PRE DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX-DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (CA)

Discover failed to close my account at requested, and resulted in additional charges and even late fees. 

On XX/XX/XXXX, I made a call to Discover customer support to request to close my account, because I was leaving US. They promised to do so. 

Recently ( XX/XX/XXXX ), I received an email saying that I owe Discover {$310.00}. I didn't think this was possible, since I have requested to close my account more than a year ago. So I logged into to my account, found out that there were two auto-renewal services that charged me in the beginning of XXXX. But because I was completely unaware of this, the debt piled up and Discover kept charging me late fees ever since.

Had Discover closed my account at my request a year back, none of these charges should have happened. It was Discover that failed my request, yet I had to pay for their mistake, and they even benefited from this by charging me late fees.
Consumer complaint received 2020-06-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (TX)

Company keeps calling and hanging up repeatedly. Will call from several numbers. At times, I can hear breathing. They will call as early as XXXX and as late as XXXX every single day at least 15 times a day. I have an app that automatically detects spam calls and Ive blocked several numbers but they still call using other numbers.
Consumer complaint received 2022-05-16
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. (LA)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : EXPERIAN : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$560.00}
Consumer complaint received 2020-08-11
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: AMERICAN EXPRESS COMPANY (VA)

I have a loan with XXXX XXXX XXXX, AMEX, and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX  XXXX, AMEX, and XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Wire withdrawal from my Citibank savings account amount of XXXX to a XXXX XXXX ... .same situation with XXXX  XXXX  . Closed my account due employees miss conduct. Both banks on same street. XXXX XXXX XXXX  XXXX XXXX XXXX... XXXX NY XXXX... .my thrift savings plan federal XXXX withdrawal form stolen from XXXX XXXX XXXX... I have not received in the mail my nys unemployment benefits debit card mailed to me. To XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny and my HUD vash section 8 federal mail has not been delivered to my address..my contacts information cells phone number is XXXX XXXX XXXX XXXX XXXX XXXX D ... A ... .V
Consumer complaint received 2018-01-23
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. (MI)

Hello - Two years ago I went through a divorce. As part of the divorce settlement my ex-wife was given one of our cars that we had a loan on. It was a joint account through XXXX XXXX XXXX. I asked my ex-wife to remove me from the account though she never did. She changed the mailing address for the account and login information online, so I was unable to access the account. The loan was nearly paid off, so I did n't worry about it too much. In XXXX of this year I got a notification from my credit monitoring service that the account was over 30 days past due. I contacted my ex-wife and she said it was due to a change in her billing account and fixed the issue and paid off the outstanding balance. 

Still as a result of this I now have a 30 day late payment notice on my credit report. My credit score took a hit as well, dropping from XXXX to XXXX. 

Recently, I contacted XXXX XXXX to explain the situation and inquire about having the negative mark removed from my credit report. Since I no longer had access to the account online and my ex-wife updated the mailing address to her new address. I received no notice of a past due balance. XXXX said they were sympathetic but unwilling to remove the mark.
Consumer complaint received 2020-08-11
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: Atlanticus Services Corporation (FL)

I have a loan with FORTIVA/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FORTIVA/XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MO)

Received a bill on XX/XX/2020 from Wells Fargo Auto claiming I owed {$72.00} in late charge fees on my auto loan in which i paid off on XX/XX/2020. Upon calling the company, a representative told me that the {$72.00} are late charges over the course of the loan. This was confirmed by an escalation specialist that I spoke to as well. 
The issue is that they explained to me that when I have made a late payment that the additional amount paid was applied to the principal balance rather than the late charges accrued. I explained that doing so was deceptive as the total amount due showed the normal payment amount and late charges. There is no additional box to click or put in a number to specify that you want it to go to late charges. Both representatives told me that I would have to call and tell a representative that I wanted to pay my late charges. I asked why no previous representative or bills stated that I had unpaid late charges and they said that information is not disclosed unless you call and specifically ask. 
Not only is this deceptive, but their methods of applying the payment go against what is stated in the legal documents that I signed. According to the legal documents, payment is applied to interest first, principal payment owed, accrued fees ( examples include late charges and NSF fees ), and then additional principal balance. What both representatives told me is that it's applied to interest, principal payment owed, principal balance then late charges are collected at the end of the loan. 
I am not denying that either way, I would owe the {$72.00} but I was deceived throughout my loan by the fees owed not being disclosed to me through monthly billing on paper and online nor through speaking with company representatives. This then caused me to payoff my loan only to find out later that I owed additional amount as the late charges hadn't been disclosed, even at the time of requesting a payoff.
Consumer complaint received 2022-10-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tally Technologies (TX)

XXXX XXXX is the name of the company. It is an app that is designed to help people get out of credit card debt. They have marked a late payment on my XXXX credit report two times. The first time I asked them to take it off after making a payment to them of over {$1000.00}. I had some financial difficulties and after paying the large amount asked them to remove it. The second time, was on XX/XX/2022. I had paid what was due on XX/XX/2022. This was NOT a late payment. I asked them to remove it and they said they would not. Both late payments need to be taken off my credit report.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

In XXXX of XXXX, American Express began trying to collect, for the second time on a 3 year old account. They sent multiple emails stating that I could settle the account in XXXX and XXXX. When I did not respond. The re-aged the debt.The account had been closed and charged off in XXXX. They are showing an incomplete payment history on the account and reporting new late payments on this account. They also have tried to make the account look as if it is a recent charge-off in XXXX.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (MS)

Upon checking with my credit union. I have discovered many hard inquiries on my credit report that I did not authorize. I have only financed through my credit union. These items are inaccurate. I did not authorize. I have not financed anything through these companies or given them consent in any way I am disputing and requesting that these items be removed from my credit report. Here is a list of unauthorized inquiries : XXXX, SANTANDER, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XX/XX/2022. Please investigate this matter and delete as soon as possible.
Consumer complaint received 2020-06-17
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. (IL)

I have been on the phone monthly with the three major credit reporting agencies and finally got the last bit cleared up today. This has cost me credit cards and loans. It started with one person getting caught fraudulently using a card in my name. He was arrested. 

Later, several accounts came up in my name but a different social was entered on all three credit reporting sites, showing that I had two social security numbers ( red flag? ). It took my roughly 2 years to get them to stop reporting it. After my fourth mail in attempt to XXXX  and XXXX, they changed the social and misreported address used to send mail to. Ironically, we knew the people at the fraudulent address and they helped us to report and attempt to rectify the issue. 

Experian has just now removed the personal information after several more attempts to mail in the correct information. That is ridiculous and has affected my financial capabilities. 

With all the data breaches in the last few years, its impossible for a civilian to catch identity theft as it happens. That is decided by how secure our credit bureaus are ( which judging by the amount of time my shadow had access to my credit, not secure at all ). 

Credit Reporting Bureaus have proven themselves useless in helping victims of identity theft even though they are the last line of defense and the police are useless too unless they are caught in the act. There needs to be more responsibility on the CRBs.
Consumer complaint received 2020-08-11
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. (NC)

Hello, I pulled my credit report in hopes of getting ready to purchase another home ... When I seen my report I was quite confused at what I was viewing. The reporting from XXXX on my credit report appears to be totally incorrect with several errors in the reporting of this debt. I reached out to all 3 Credit Bureaus as well as XXXX to ask if the account can be validated to ensure that in fact this account is reporting correctly on my credit report. At first XXXX ignored my request, I then sent a follow up letter in which they responded with some sort of statement of account which clearly did not rectify my issue with the reporting of this account on my credit report. As stated, I even reached out the the Credit Bureaus for help only to get a response that the account was reporting accurately ... How is this when I can spot several errors and Im not a professional in credit reports. 
**First off the account appears to be outdated going by the dates reporting **High Credit Reporting on a closed account **Date last active is not correct **Payment status reporting 120 days late on a closed account
Consumer complaint received 2020-06-11
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)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2022-05-16
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. (NC)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : Equifax : USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance : {$0.00} XXXX : USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance XXXX {$0.00} USDOE/XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2020-06-17
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. (PA)

I recently requested copies of my credit reports from all three credit bureaus, ( XXXX, Equifax, XXXX  ) and found numerous accounts had been opened established in fraud. I driectly contact the credit bureaus, all three and also directly contact the creditors and the collections agencies also reporting the fraudulent debt, I'm now reaching out to you in helps of expediting this issue and getting it resolved for. I have asked all parties involved to send me proof of these debts that are claiming to belong to me, XXXX XXXX. I have asked to get ip address, physical mailing address, statement/invoices, signatures, and signed contract and dates. Still I have not received anything back or any updates regarding this extreme matter.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : DPT ED/XXXX XXXX Balance Owed : {$3700.00} ; XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX/ XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX/ XXXX XXXX ) # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-06-11
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX XXXX {$2800.00} XXXX {$740.00} XXXX {$2000.00} XXXX {$2800.00} XXXX {$2000.00} XXXX {$960.00} XXXX {$1300.00} XXXX {$2000.00} XXXX {$1300.00} XXXX {$1500.00} XXXX {$2200.00} XXXX {$790.00} XXXX {$460.00} XXXX {$1100.00}
Consumer complaint received 2020-06-11
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. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. 

XXXX XXXX {$660.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX {$43.00} XXXXXXXX  XXXX {$310.00} XXXX XXXX {$2400.00}
Consumer complaint received 2020-06-11
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. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. 

XXXX XXXXXXXX {$660.00} XXXX XXXX XXXX {$200.00} XXXX  XXXX {$2800.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX {$43.00} XXXX XXXX {$310.00} XXXX XXXX {$2400.00}