davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting 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: Experian Information Solutions Inc. (FL)

In the early morning of XX/XX/XXXX when I noticed Experian had lowered my credit Score by 16 points I immediately went to check the notifications on the app. There wasnt any notification update and no explanation for the lowered score. I immediately complained to Experian to put back my points before I file a complaint. And magically, it reappeared 24hrs later. Then after that, i checked on my app again XXXX XXXX had fraudulently reported false information. Immediately submitted a dispute with consumer protection bureau and Experian and my credit score at this point again went down by the exact XXXX  points. I was notified the company was deleted and get this, they refused to increase my credit score by 23 or more. Experian is doing illegal unfair practices with my credit score and I believe this is targeted towards specific people. This has been happening for years. I am just now realizing the sneaky actions and now is when Im fighting back. I told Experian this. I told them that I know what has happened and I am closely monitoring and when I caught what they did they still had no explanation to give me! And this morning I opened my email to find them some guy by the name of XXXX from Experian write me to sell me Experian Credit works  a package that cost XXXX dollars to monitor my credit score!!! And i wrote back and told this guy, listen I will never spend a dime on you crooks and thats what annual credit score .com is for! And thats FREE! I told this XXXX guy from Experian, I gave them 24 hrs to correct the error in increasing my score 23 or More and instead they chose to stick to their previous illegal activity which they didnt think I would catch well time is up Im filing a formal complaint! So thats everything that has happened.
Consumer complaint received 2021-10-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (OH)

Out of the blue I started receiving calls from an unknown number, I called them To find out it is about a credit card debt. I have found out It is my elderly mothers card that I am on and is to be used for Emergency use only. OUR CARDS HAVE AN EXP. OF XXXX! 
My mom said there is No Way SHE has So much charged, We believe a family member got the card and caused this! 
NO ONE WILL TALK TO US AND PROVIDE A LIST OF WHERE THE CHARGES CAME FROM AND WHEN!! We are ALWAYS HUNG UP ON!, And ALL THE COLLECTOR SAYS IS I WANT PAID!, AND ALSO SAID THERE WAS ANOTHER CHARGE AS OF A XXXX DATE? BUT WILL NOT GIVE ANY INFO AND HOW CAN THAT BE WHEN OUR CARDS HAVE EXPIRED?? I NEED SOMEONE TO HELP GIVE ME ANSWERS TO HELP MY MOTHER GET THIS RESOLVED!!
Consumer complaint received 2021-10-12
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: CCS Financial Services, Inc. (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MI)

Citibank failed to appropriately investigate my dispute. I submitted a certified letter on XXXX and Citibank did not report the negative item as disputed to XXXX, XXXX nor XXXX. Which again proves Citibank did not investigate my dispute or cares about my concern. I am including your response letter which states that a dispute note was added to the " XXXX XXXX account each time '' which is a not truthful. You have not provided any documentation that shows you investigated my dispute. I am providing proof of your failure to follow the law by properly reporting my dispute with the submissions of my XXXX, XXXX and XXXX credit reports to the CFPB.
Consumer complaint received 2021-10-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

As of XX/XX/2021, XXXXLOANCARE LLC has not fully resolved my prior complaint with the CFPB. The company still has my principal and interest payment at {$2200.00}. This is incorrect. In the loan modification correspondence ( see attached ) dated XXXX, XXXXXXXX XXXX, LOANCARE , LLC. stipulated that my principal and interest payment would be {$1900.00} effective XX/XX/2021. The first payment was due on XX/XX/2021. They fixed the escrow piece that was incorrectly processed by their escrow department and lowered my escrow payment to {$950.00} via the escrow analysis dated XX/XX/2021. However, the escrow department failed to have the updated principal and interest amount in the new escrow analysis that was stipulated in the loan modification documents. The escrow analysis ( see attached ) stated my total mortgage payment is {$3100.00}. This is incorrect. The totally mortgage payment should be {$2800.00} based on the modified principal and interest, plus the new escrow amount. LOANCAREXXXXXXXX XXXX  XXXX should be shut down. Their handling of loans as a servicing company is unprofessional. I wish to be transferred to another company that will handle my mortgage payments with accuracy and care. This has been an awful experience, and I should not have to contact the CFPB to actually get things resolved.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. Back on XX/XX/2021 the COMPLAINT Number is : XXXX I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I have tried multiple to have my XXXX  auto loan show correct information on my experian report. I have made my payments on time and it doesn't show anything. My auto loan does not even show up on my credit report, so now I'm not receiving any benefits towards my credit. Please help me understand why this information is not being shown on my credit experian report.
Consumer complaint received 2021-10-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-01-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Chapter XXXX Bankruptcy XX/XX/2021 To Whom It May Concern, Your company is currently reporting a negative listing regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 

The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello, So I spoke to my bank XXXX XXXX XXXX XXXX, and Transunion about an issue with a credit account that was removed from my credit report without my consent. 

I spoke to Transunion on XX/XX/2021 via phone and online about a remark on my account that dropped my XXXX XXXX by XXXX points. I asked transunion over the phone and online about the drop, saying there might be an issue with my XXXX  credit card. Transunion spoke to me and said over the phone they removed the remark. 

About a month later I noticed how my account for XXXX was back to my usual credit score, but my Transunion account had not returned to normal. I noticed that my credit card account was removed for some reason. I have been speaking to both Transunion and XXXX  about this, and have messages from XXXX  on their app. XXXX  has stated they reached out to Transunion and were told I needed to provide some type of reinsertion letter with my signature and other information on it, I am not doing that and making myself liable if there is some fault on one of these parties here. I spoke to Transunion about this, and they stated that XXXX  never reached out to them and started whatever reinsertion process. 

I have never told any of these parties to remove any account in my name, I still have my credit card and the account is open. I want a 3rd party to mediate communication amongst these two and please get this handled, that is it. I am not doing another round robin involved with this, because someone probably just made an error somewhere because I was concerned about a sudden credit drop. 

XXXX XXXX
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. Back on XX/XX/2021 the COMPLAINT Number is : XXXX I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: EQUIFAX, INC. (NY)

I received a call from XXXX on XXXX asking to confirm I was opening a checking account with them. I did not, someone stole my identity and they proceeded to deny it. I looked at a disclosure report from XXXX an saw 5 checking account inquires using my SSN since XX/XX/2019 that attempted to open checking accounts. I called XXXX and the identity thief successfully opened an account in my name. XXXX closed it and I am waiting for a letter in the mail about the investigation they conducted.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filled out a form online for Beneficiary Required Minimum Distribution Service. The copy they emailed back to me was incorrect. They refused to fixed it when I called to report the error. They are supposed to have 24/7 customer service, but said I have to call back another day to cancel the form and start all over. I am traveling and don't have time for this. I have already wasted an hour of my time online and by phone with them.
Consumer complaint received 2021-10-12
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: Lending Club Corp (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XX/XX/2023 an unauthorized inquiry was made to my credit report from XXXX XXXX XXXX XXXX  that I didnt authorize. I called TransUnion to resolve this issue and they wouldnt help me get it resolved so now Im filing a complaint to remove this inquiry ASAP. 
Transunion XXXX XXXX  XXXX, XXXX, PA XXXX XXXX
Consumer complaint received 2021-10-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (FL)

Vehicle leased through GM Financial, 48 month lease matured on XX/XX/2021. The lease was paid in full in XX/XX/2021. Vehicle was traded into XXXX XXXX XXXX on XX/XX/2021. Sitting in the dealership I called GM Financial to obtain the payout and the transaction was finalized. 
When the check for the buyout was sent to GM Financial they refused it and kept returning it XXXX XXXX XXXX XXXX XXXX XXXX This was between GM Financial and XXXX XXXX having noting to do with me, my account to GM Financial was paid in full and closed. 
GM Financial took 3 months to finalize the paperwork with XXXX XXXX and in the meantime kept " extending '' the original lease. This was not requested, authorized or even necessary as I had already purchased another vehicle and the old vehicle was accepted as a trade in and payout provided. GM Financial extended the Lease by 3 months and each month kept reporting the payment as past due. reported past due. 
I tried on multiple occasions to have this corrected and GM finical instated that the past due amount was correct it is not. GM Financial has since processed the paperwork and finalized the buyout, I have received notification of same yet they are still refusing to remove the late payments from my credit history.

This has had a significantly impact on my credit scope, it has reduced my score by 97 points, which has in turn put a bad mark on my credit worthiness and creditors have decreased my credit limit reducing my score even more. I want these late payments removed from my history, as it is false information reported.
Consumer complaint received 2020-12-25
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. (FL)

XXXX has reported me being 30 days late 2 times in XXXX & XX/XX/2017. I was the victim of fraud. My card was lost and used by someone unknown to me. Prior to this my card balance was {$0.00}. I immediately reported the lost card to XXXX, I was told I was not responsible for these charges while under investigation. The fraud claim was resolved in my favor, yet XXXX reports me as 2 times late for charges that were not mine.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX XXXX, XXXX AND XXXX FRAUD DEPARTMENT RE : XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. CAPITAL ONE XXXX, should redact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. this company refuses to obey the credit laws, again this is not my account, and I did not open this account, this is preventing me from getting a good job and a nice home, the info on my credit report from the company is incorrect Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report police report
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (VA)

I had a XXXX credit card with a promotion to pay no interest for a year. In XXXX I decided to pay it off, so I paid the account off in full, based on the statement balance on XX/XX/21. 

I had a {$29.00} returned check fee and a {$2.00} charge for interest on XX/XX/21, that didnt appear until my XXXX statement, because I thought it was paid off, so I did not look at the statement since it would have been XXXX. That statement had the returned check fee from XXXX. They then sent another statement for XXXX, and I opened that because I wondered why I was still being sent statements with a XXXX balance. That is when I realized that when I changed bank accounts, the timing must have conflicted with the auto-draft, and that is why the returned check happened. 

I paid well in advance of the total balance on XX/XX/21 that is due in XXXX to fulfill the advertised promotion of no interest for a year, so I feel I was taken advantage of by confusing advertising and then XXXX late charge showing up in a XXXX statement, so I called to see if they would reverse it and they would not. Trying to establish credit with banks that prey on younger customers that are not as financially savvy. I escalated the call twice and they kept quoting policy instead of working with me since I paid so much off early. I feel this bank is only concerned about their profits and not doing the right thing. I am learning the interest free advertising is deceptive, not fair and an easy trap with loopholes so they can make a lot of money in fees, even when the customer is trying to do the right thing. This bank obviously built this product to prey on customers through multiple ways to get more fees and interest through the lifecycle of the promotion. It is not designed to help customers finances, but is designed to charge extra fees. I called XXXX XXXX when a payment did not go through when I changed bank accounts ( same time as the above ), and they gladly refunded me the fees without any hassle. 

Although I will hit many feedback sites with my warning about XXXX and Comenity based on their confusing and deceptive advertising and non-caring customer service, I am asking the Bureau to investigate this product and the amount of fees that customers are being charged to determine if this is a legitimate product to help consumers, of if it is a deception that preys on lower FICO customers in order to charge extra fees and that only put lower-income folks in financial trouble especially when job losses due to COVID probably cause most of the issues with repayment, like in my situation.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

XXXX XXXX routinely makes me wait one week after I make my payment to post my payment to my account, however they get their money right away. I made a {$90.00} payment on XX/XX/21 and today, XX/XX/21 they reported me as late to credit reporting agencies, lowering my credit score by XXXX points. How can they get away with this? What can I do? This seems so XXXX criminal its not even funny.. I know they love people with low scores so they can charge a higher interest rate please help
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a Capital One Credit card in the mail that I never applied for. In XXXX of 2023, I reported this to capital one and the account was never closed. I did not apply for a credit card through capital one. Another inquiry has been made though capital one to open another account in XX/XX/2023. This was also without my knowledge. I have disputed these through expirian and flagged my account. I believe someone has stolen my identity.