davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-02-26
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (MI)

The XXXX account with the account number XXXXwas marked as Charge-off with an identified balance of {$25000.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Payment history ''.
Consumer complaint received 2019-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (RI)

National credit systems is reporting to my XXXX credit report a debt that is not mine that is ruining my credit. I have disputed this 1000 times. I have no idea what this account is and it is not on any other reports.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

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 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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

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 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 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I was shopping for a A/C unit on XXXX XXXX place. I came across with an ad about XXXX XXXX unit for {$85.00}. I decided to make the purchase, after finhesed the payment, the website freeze and didn't allow me to create an account to track my order, I didn't receive any email about the purchase confirmation. I tried to get back to the same ad and website and I couldn't find the same again. Since that day and now XX/XX/XXXX. XXXX still showing some ad with the same product and same price. I saved more than 5 website with the same layout same deal, exactly the same but with different title/name. All those website doesn't show you any phone number to contact. The only way for costumer service is by this e-mail : XXXX. I XXXX this email.adress and show up a bunch of warning of scam. People saying that bought items and never received. Show up more than 5 website using the same email as a costumer service email. It's totally a scam. And I couldn't get my dispute resolve properly and so far I didn't receive anything from the seller and they don't reply my emails that I sent.
Consumer complaint received 2022-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (GA)

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-08-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified '' Please remove the following accounts XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX from my credit report. You have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (MI)

The CCB/ULTA account with the account number XXXXwas marked as Charge-off with an identified balance of {$290.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Payment history '' .Reinvestigate the account thoroughly and furnish all documents you will be using for me to confirm. Nonetheless, remove immediately.
Consumer complaint received 2022-02-26
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: JPMORGAN CHASE & CO. (NJ)

CHASE BANK ARE STILL REPORTING A ACCOUNT ON MY REPORT AS OPEN MEANWHILE THEY CLOSED IT IN XX/XX/2021... 

TRYING TO SETLE THIS ACCOUNT WITH THEM BUT THEY THREAT ME VERY RUDE OVER THE PNONE AND ARE NOT WILLING TO SETTLE WITH ME
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

What happened? I filed a dispute with Experian on XX/XX/XXXX for Account Name : XXXX XXXX XXXX. Account no. : XXXX File Identification Number : XXXX Provided by Experian Consumer Relations My request to the credit bureau was to remove the account as it has inaccurate information which I know to be incorrect as I was not even in the US at the time of " Date opened - XX/XX/XXXX '' '' that shows on the account. 2 days later the response was " Your Investigation Results INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED ''. After doing my research I found inaccuracies on the report still, even after they did their due diligence. Here is the full account detail : Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX XXXX {$980.00} - - -XXXX XXXX XXXX  Information Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone XXXX Date Opened XX/XX/XXXX - Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Balance {$980.00} Date Updated XX/XX/XXXX High Balance {$980.00} Original Creditor XXXX XXXX ( XXXX ) Past Due {$980.00} Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks ACCT INFO DISPUTED BY CONSUMR What I want to achieve : I would like The CFPB 's help in removing this account from my report as it is inaccurate as quickly as possible. My mortgage rate is costing me XXXX XXXX  extra because of this inaccurate information. In accordance with the Fair credit reporting act convergent the above account has violated my rights. 15 U.S.C 1681 section 602A : States I have the right to Privacy. 15 U.S.C 1681 section 604 A Section 2 : IT also states a consumer reporting agency can not furnish an account without my written instructions. Thank You Warm Regards XXXX XXXX Account info Account name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$980.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$980.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/XXXX I authorized the payoff balance of my XXXX XXXX XXXX Credit Card for {$3200.00} in order to close out my account that would then result in a {$0.00} balance. The payoff amount was automatically generated to cover any and all interest charges on the account during the timeframe of the payment. The payment posted on XX/XX/XXXX. Five days later on XX/XX/XXXX my bank account was credited back {$25.00} which was stated to be a credit refund ( attached for reference ). On XX/XX/XXXX I was sent a statement stating that I now owed a balance of {$23.00} for interest charges ( attached for reference ). Immediately after receiving the statement, I called the customer service line to inquire on the recent charges of {$23.00} that were now showing I owed. The customer service rep apologized for the confusion and stated that I did not owe any charges and my account would in fact remain at {$0.00} as it was at the time it was closed out on XX/XX/XXXX. Right after XXXX, I had been taking care of my elderly XXXX who contracted XXXX XXXX and had gotten extremely ill so I will admit that I hadnt been up to date on staying on top of my emails after the XXXX XXXX however to my knowledge my account had been closed out for an entire month after paying off the balance IN FULL back on XX/XX/XXXX. I did not ever think that I would have to worry about later posted fees that would be assumed I now owed? Now, almost 3 months later the balance is STILL showing as owed on-top of multiple late fees acquired which have in fact affected my credit score to decrease. I made one final phone call this afternoon to the customer service line and even requested to deal with a manager level rep who not only informed me that there was nothing they could do about the charges now being owed but also stated there is no history of ever crediting my account for {$25.00} ( which would have covered the later posted interest charges ) when it is clearly stated directly on the statement received on XX/XX/XXXX ( highlighted and attached ). I have not only been lied to twice now but have wrongly been credited back an amount just to acquire another charge at a later time. It seems this was done on purpose for closing my account. This is fraud.
Consumer complaint received 2022-02-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch (GA)

I only owe XXXX XXXX. They sent my account to an attorney saying that I owe them XXXX. Strangely, They never have been on my credit report and I have been a victim of ID theft. I don't know what to do. I hired a debt settlement company out of Florida who has been trying to settle this for me, but this lawyer and XXXX are determined to take me for all I have and have turned down an offer two weeks ago as high as XXXX, even though I don't owe them that amount!!!!!. I am being abused here thousands of times over and thats also because my state of Georgia has such poor laws that protect us against collection abuse. At this point abuse isn't even the word for it. Its far worse, I believe I am being TARGETED. They also believe that there is money available that isn't!!! I don't deserve this. This debt is over 4 years old, which is past the Statue of limitations. Crown Management hired XXXX XXXX XXXXXXXX for XXXXXXXX XXXX to create multiple layers to protect XXXX against their original offer because they want to take me for THOUSANDS OF DOLLARS. THIS IS A GRAND SCAM and a GROUP OF CRIMINALS. This Attorney, XXXX XXXX XXXX, XXXX in XXXX GA of XXXX XXXX XXXXXXXX is part of the scam. Both XXXX and this Attorney need to be investigated. You should see the reviews on XXXX about XXXX XXXX XXXX, it is a nightmare. How many XXXX Citizens has this group of criminals taken? This is a scam ring. Also, I believe they broke into my account at the GA Department of Labor to try to find out where I work, thats how they decided they were going to go through and add on thousands of dollars to the original amount! I have filed a complaint against XXXXXXXX XXXX XXXXXXXX because they have my Social Security Number, and they are the only ones besides XXXX and Crown Management that would have a MOTIVE!!!
Consumer complaint received 2022-02-26
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. (IL)

I have sent several letters to XXXX over the course of the last 6 months. I have provided copies of my consumer report as well as identified inconsistent and erroneous information that should not be on my report and they have yet to sufficiently respond. I have asked specifically for original contracts with wet signature. They keep sending computer generated responses instead of actually doing an investigation. They fail to answer any of the questions in my disputes which proves they are not even reading the letters. I sent sent them specific laws listed in the FCRA that they have failed to abide by and they again have not done anything about it. This is damaging to my report and harmful to my consumer reputation. I have been denied credit due this this incorrect information being furnished on my report. It needs to be removed immediately.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-02-26
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. (FL)

Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Account is fraudulent I have contacted this company because they are listing a collection account on my credit file and this account does not belong to me. I have demanded a validation letter from this company and this contract they sent over does not have my address or signature on file. The contract also shows XXXX payment was made on XX/XX/XXXX and all payments after that failed. so with that also being said the last payment made was on XX/XX/XXXX, the next payment shows it was due on XX/XX/XXXX and on my credit report that are showing last activity date XX/XX/XXXX under the protection of the law " The Fair Debt Collection Practices Act ( XXXX ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. '' they are trying to extend the last date of activity into XXXX, so this account can stay on credit report. there validation letter they sent me clearly shows the last payment on this account was back in XXXX and not in XXXX, under that part alone, I am demanding the credit agencies protect my rights under The Fair Debt Collection Practices Act ( XXXX ) and have this account removed from my credit file and all credit reporting agencies immediately for falsely reporting an account, especially XXXX that does not belong to me.
Consumer complaint received 2022-02-26
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: Experian Information Solutions Inc. (NC)

Hi, my name is XXXX XXXX and I have been having problems with all XXXX  credit bureaus in which it has been over XXXX days and they have failed to contact me back or reach out to me regarding some serious incorrectly reporting delinquencies on my credit report. I have attached all the following documentation with the XXXX complaints and am hoping the CFPB can help me in regarding to clearing this off my credit once and for all as after this I will look to pursue legal action as there is only so much more that I can do.
Consumer complaint received 2017-03-18
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: DISCOVER BANK (NC)

We have had to file a hardship through XXXX. A company that I do n't have an account with, but my husband does, had been calling my work. They called at XXXX and I picked-up the phone and requested that they stop calling my work. The lady requested payment from me and told me that she could draft it from our bank account since they somehow have our account information. She told me that they do n't negotiate with debt relief companies and said that we were going to be sued. I told her that she was not allowed to remove any funds from our account and hung up. Later in the morning, after I had left for work, a man called and my husband answered. He threatened my husband, used vulgar language including the " f '' word and told my husband that we owed them money and that they were going to take it from our account with or without our permission. This company has never had our permission to automatically draft funds from our account.
Consumer complaint received 2022-02-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MA)

XX/XX/2022 I attempted to send money to my family overseas. After filling the online information section at Western Union website, it stated that I had to provide my id information. I uploaded the image and sent it to the company. Western Union website stated that my transaction was on hold because they needed my id. This time, they said send the id to a specific email address XXXX XXXX. I resent my driver 's license image again with the XXXX  number : XXXX. After a couple of hours, I got an email that my transaction got declined. I called Western Union and the associate was not able to tell me why the transaction got declined and stated that I go to a store to do a transfer.

Next day, I went to a local store to do a transfer. The store was not able to do a bank-to-bank transfer and required me to have an agent. I don't know of any agent and preferred a bank-to-bank transfer. 

Again, filled an application to send the money o my family. Again, Western union put my transfer on hold because I need to send them my id. XXXX number : XXXX. I have sent them my id 3 times and each time I send it they say, they don't see it. 
I wanted to talk to a manager and the lady on the phone was very rude and said the managers will not be able to talk at the time. 

I don't understand why Western Union is putting a hold on my transfer. It is my money and I am asking them to make a transfer and Western Union is giving me a hard time like as though, I am a criminal.

Never seen a bank behave this way to its customer.

Very bad customer service very bad service
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I opened an account with citi bank in XXXX 2018. After two months, they closed my account without warning and explanation. After one month, they closed my XXXX XXXX which I have been used for couples years without warning and explanation too. Citi bank refused give me back credit card rewards money which around {$200.00} and also the bank interest. I called the customer service many times and asked them why, the only words they told me is " bank decision ''.
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (VA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my 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 2022-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

My credit score dropped dramatically though I have been paying all the bills on time since I arrived at US in XXXX. I never had any issue with late payment or debt. My credit score has been excellent except this happened. When I checked my credit report, I found out that there are incorrect address ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX ), phone number ( XXXX XXXX ) and debt on XXXX account ( XXXX ) which I never opened. I do not know how someone got my info and stole my identity. XXXX did not check the info securely and easily opened the account with someone's stolen information. I have never experienced identity theft issue and very complicated. Now XXXX sent it to Jefferson debt collection amount {$5400.00} that appeared on my credit report. It caused a lot of stress to a father  of XXXX, who struggles to pay the rent, bill, family expenses every month.