davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AZ)

I never got an invoice last month from Comenity Bank Credit Card. I had no idea I had a balance ( {$75.00} ). Eventually, Comenity Bank texted me to tell me. I contacted them IMMEDIATELY and authorized them to take the money out of my bank account. Over a week later I was contacted by XXXX AGAIN to tell me they for some reason couldn't take the money out of my bank account, so I told them I would mail a check then. I immediately went into my checking account and the bill in full. Because I never received the bill, they even took off late fee and interest fee. I was also told that this would NOT be reported to XXXX, XXXX. When I saw the negative rating on my credit reports, I immediately called XXXX. They told me they could not do anything about it and that they NEVER told me it wouldn't affect my credit ( this is not true - they told me this )
Consumer complaint received 2021-11-20
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. (CA)

I sent a letter requesting the validity of debt to you regarding the account XXXX BANK USA Account number XXXX on XX/XX/2021 and XX/XX/2021 which Experian failed to provide.
Consumer complaint received 2016-02-16
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Peter Roberts & Associates, Inc. (MA)

i was in a auto accident on XX/XX/2014 i was taken to XXXX XXXX .This is a bill that they sent to collection. It was for XXXX & XXXX .I did call XXXX and told them that they would get paid when the case was settled, well they turn it over to Peter Roberts Assoc Inc for collection.i also talked to them and they said not to worry about it that when it got settled to contact them. It is still in my lawyers hands so It got on my credit report. I feel this should never happened I would like this matter taking off my credit report. This made my credit score go down. I always pay my bills and i`m proud to have great credit score
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (IN)

I owe about XXXX on my Best Buy ( citi bank ) card. When promos ended, my bill doubled and so did interest. When I saw the bill, I called and I tried to get them to lower the interest rate and guy said cant do I told him I am having financial hardship and said cant do anything. They keep sending me letters telling me to call to see what offer they make instead of telling what kind offer they are making in the letters. I am still having financial hardship and I am also having medical issues. So I cant pay the bill. Now they are making threats to send to collections.
Consumer complaint received 2021-11-20
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

These Accounts have been deleted from XXXX XXXX. Immediately delete and inform Equifax and XXXX  to delete also. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any hard inquiry requests before XXXX. 

here is the XXXX XXXX  credit report dated XX/XX/XXXX and XXXX XXXX  file attached.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-22
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: EGL US, LLC (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2016-02-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I have XXXX and XXXX mortgages with Navy Federal Credit Union which I have been paying late for over a year after I fell behind for several months in XX/XX/XXXX. I submitted borrower response packages in XX/XX/XXXX requesting modifications on XXXX mortgages. I was offered a modification on my XXXX mortgage on XXXX XXXX XXXX, but not on the XXXX mortgage. During the same time period Navy Federal asked me to submit another borrower response package for the same mortgages. I submitted another response package on XXXX XXXX. I called Navy Federal on XXXX XXXX and told them I was unsure of what was going on with the modification. I did not understand whether I needed to accept the modification offer on the second mortgage in XX/XX/XXXX or wait for them to finish reviewing the borrower response package I had just re-submitted for XXXX mortgages. I scheduled the payment for my XXXX mortgage on XXXX XXXX but I did not schedule a payment for the XXXX mortgage because it sounded like I should wait for a call on the borrower response package. On XXXX XXXX I was contacted and asked for more information for the borrower response package, which I provided. Navy Federal asked me for additional information on several more occasions up until XXXX XXXX. I received XXXX letters in the mail on XXXX XXXX. XXXX letter from Navy Federal dated XXXX XXXX telling me my borrower response package was now complete, a second letter asking me to fill out another borrower response package to avoid foreclosure, and a third letter from an attorney dated XXXX XXXX explaining they were being instructed by Navy Federal to " commence foreclosure '' on my home. I am extremely confused and beat down by all of this. I have been paying my mortgage. I paid it on time for over 10 years until I fell behind. If this is true and they are foreclosing on my home over a misunderstanding I really need help.
Consumer complaint received 2022-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX and I am submitting this CFPB complaint to you today to request the immediate removal of the fraudulent accounts and information being reported on my Credit File. 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 accounts 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 accounts 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 is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-11-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Im having a problem with credit acceptance. They have been calling me XXXX times and hour everyday. I have strictly told them that I am a college student and I am in class most of the day and that i cant take calls on weekends. But they continue to constantly call me. They are even calling me at XXXX in the morning on some days and I know legally that isnt allowed. I have an arrangement already worked out with them but they continue to call me anyway. Something needs to be done with this company or I will not be paying back anymore of the loan.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I received an Experian Credit alert that my score had dropped XXXX due to a late payment on my XXXXXXXX XXXXt loans ( 4 accounts ) in XX/XX/XXXX payment. I contacted the Creditor and they never reported me late as 1 ) all payments are on ACH 2 ) they only report at 60 Day late in their system 3 ) I provided Experian with my monthly statements showing no late charges or payments were late and the accounts were current at that time. Experian was the only Credit Bureau that reported the information. I filed a dispute immediately and as of XX/XX/XXXX they corrected the error. However, they would not correct the drop of XXXX points on my credit score due their mistake and claim it is indisputable with Experian
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

I applied for AMEX XXXX XXXX XXXX on XX/XX/XXXX as part of a XXXX % percent and {$200.00} card promotion ( see screenshot below ). This card was critical as I was making a large purchase for me to pay over the promotion period. 

I received the card and charged {$3500.00} on XXXX, I didnt see the promotion apply after checking the charge status from pending to actual charge a few days later. I called XX/XX/XXXX and expressed my concern. I was told that they would check it out and get back to me in XXXX days. I decided to check-in XX/XX/XXXX. I talked with XXXX who informed me it would now be resolved in XXXX and theres no guarantee that the promotion would be applied. I said that would be a problem. She shared that the backoff team would review and it was in process. I expressed the impact to me as I did not budget funds to be able to pay. This would impact my credit and likely AMEX would also not be happy. 

I asked to talk to a XXXX. After waiting, I talked with XXXX who let me explain the situation. I emphasized that I could not pay. He went thru the process which already had been explained to me. I acknowledged understanding that but need to do something else such as cancelling the transaction / card. He informed I would still need to pay which I already expressed wasnt possible. He asked about the vendor cancelling which I dont think is appropriate as it wasnt the vendor or I that caused this situation. I explained that I followed the links and he talked about using promo codes. I explained that I didnt enter, change or select any promo codes. He then went back thru the process. I was frustrated and reminded him that I didnt have the funds to pay. He suggested I do a balance transfer which again furthers my financial burden. He didnt offer any actions that he would take which I expressed wasnt helpful. He then asked, What do you want me to say? Im not sure how to respond to it other than its unacceptable as I have nothing to do with the promo site links and why this is the case. 

The only internal AMEX action he offered, which was not an option, was AMEX internal process with your back office. He then offered to transfer me to the credit office if I couldnt pay I found that very insulting.
Consumer complaint received 2021-11-20
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. (FL)

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. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MA)

Citibank has charged a monthly service fee for the months of XXXX, XXXX, XXXX of 2021 claiming low balance even though balance was over the required amount. After contacting the bank ( case XXXX as per communication with Citibank on XX/XX/XXXX XXXX EST ) the monthly service fee was reversed butonly upon request.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I do not work for anybody No job employment should be on report XXXX XXXX XXXX Inaccurate address only address should be on my report is XXXX XXXX XXXX XXXX XXXX Al On address that should be on my report
Consumer complaint received 2022-05-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 3 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 Report : XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX  Balance : {$450.00} XXXX XXXX Balance : {$480.00}.
Consumer complaint received 2021-11-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (IN)

I sent Navy Federal Credit Union XXXX XXXX XXXX XXXX on XX/XX/2021 and they received it on XX/XX/2021 at XXXX. Stating the facts with proof and exhibits. They have failed to respond to my previous complaint and is now in default. 

XXXX XXXX has been false and misleading during this entire consumer credit transaction. They have been sending false character amounts, reporting false information on my consumer report and calling at inconvenient times.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXXXXXX XXXX DATE OPENED BALANCE {$2500.00} XX/XX/XXXX DISPUTED WITH CREDIT BUREAUS, XXXXXXXX XXXX DATE OPENED XX/XX/XXXX bALANCE {$4400.00}, XXXX DATE OPENED XX/XX/XXXX CREDIT LIMIT {$400.00}
Consumer complaint received 2022-10-12
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. (CA)

I have asked the credit bureaus respectfully, to fully investigate these accounts that do not belong to me. They have not been through with their alleged investigations and keep letting these accounts falsely report to my credit report.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

You are in violation. Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, My information was sold and bough illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report.
Consumer complaint received 2022-05-23
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)

You are in violation. Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2021-11-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

Getting constant calls some blocked some from different number all for the same company I receive almost 10 calls a day its stressing me out because I simply dont have it to pay and its a constant reminder of what Im going through on top of me trying to be a new mom
Consumer complaint received 2021-11-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (CA)

I am writing to dispute an incorrectly reported credit issue in my file associated with XXXX XXXX and Barclays Bank Delaware. Attached are signed and notarized documents proving grounds for my dispute. These have been mailed to XXXX XXXX XXXX Department and Barclays Bank Delaware. XXXX XXXX Mail, Return Receipt Requested for proof of receipt. 

The enclosed Notification, Affidavit, and XXXX XXXX XXXX XXXX  will show the reported item in question is, and has been, in dispute with XXXX XXXX and Barclays Bank Delaware. 

While I do not deny a contract was signed with XXXX XXXX, the contract was entered into upon fraudulent acts committed by XXXX XXXX, as shown by the enclosed documentation. 

Please reinvestigate this matter and delete the disputed item as soon as possible, and mark any further attempts on behalf of XXXX XXXX and Barclays Bank Delaware as disputed. 

Sincerely, G.