davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
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. (SC)

SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the Equifax breach, on which I've learned happened multiple times from XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX XXXX XXXX  passed the debt to portfolio recovery associates I told them I was locked up since XX/XX/XXXX Untill XX/XX/XXXX in XXXX  county I o I also saw the debt was incurred at a Airport and in Puerto Rico I have not given anyone the right to use my name or open up anything for my benifit or with my knowledge
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX I went to transunion.com to learn how to freeze/unfreeze my credit report. The website mislead me toward signing up for month service at {$24.00}. I thought I immediatelt phoned and cancelling this unwanted/unneeded service. I received a credit card statement showing the {$24.00} billing but no credit. I phoned transunion on XX/XX/XXXX and cancelled the service ( call # XXXX? ). On next next billing statement I see that I am still being billed $ XX/XX/XXXX for the service. This is now two billings where Transunion now needed to provide credit plus still cancel the service. 

Today/ XX/XX/XXXX, I can not speak with a live person to cancel the service and received credit for previous billings. I have phoned XXXX but can not get to a live person and am told via recording that no service personnel are available to cancel the service and my call is disconnected. Same instance when I call XXXX. When I reach a live person at XXXX I'm told that they can not cancel service and that I need to call XXXX again. When a phone XXXX and asked for a Manager-on-Duty I'm transferred and my call call is automatically disconnected again.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Dear CFPB Staff, Experian has allowed the following Fraudulent account to reappear on my Consumer Credit Report : Derogatory Mark : XXXX XXXX FKA XXXX. 

Experian has refused to address this twice so far.
Consumer complaint received 2024-04-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am writing to formally request the removal of the collection entry on my credit report associated with account number XXXX which I am not aware of and I don't owe. The details of the account are as follows : Date of Collection : XX/XX/year> Creditor : GENESIS CREDIT MANAGEMENT I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that the information reported is inaccurate. I don't owe this debt.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I reported an unauthorized transaction on this account from the XXXX XXXX for {$34.00} in XXXX, 2024. After XXXX months, an algorithm reported that card had been used. I already knew that. 

XXXX Capitol One humans claimed that there was nothing they could do to correct the erroneous algorithm. " Banking reimagined '' apparently means being a digital post office, with all the charm and helpfulness of the USPS. 

XXXX # XXXX, XXXX # XXXX and XXXX # XXXX were especially unhelpful on XX/XX/year>, with XXXX hectoring me that I should change banks ( I already have XXXX others ) and claiming that no one can challenge the decision of the algorithm. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-05
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MI)

I applied to open a checking account with CITIBANK. They approved it and I made a mobile deposit of my tax return of {$1200.00}. The next day I discovered they closed it and blocked any access to my funds. They said it was because of information theg get from early warning systems. I have been unable to reach an to help me understand what that information was. I live in XXXX XXXX Michigan. The closest office is in XXXX, and on top of it being far away, there are travel restrictions in place. I desperately need my money back. Please help. All I want is to move my money out to another account I have at another bank. They refuse to help me in any way.
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (CA)

I am writing to request your help. WESTLAKE FINANCIAL SVC is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/2020 and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : WESTLAKE FINANCIAL SVC : XXXX Date opened XXXX XXXX Status closed. 

This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.
Consumer complaint received 2019-04-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC (DC)

I, XXXX XXXX, applied online to a group of companies offering personal loans. 

I was under the impression that I was dealing with companies registered in the United States in a particular state ( Montana in this case ). It is believed that Bright Lending is charging approximately 685 % annual interest on a {$300.00} dollar loan with weekly installments of {$40.00} dollars. Three payments have been made with approximately 5 principal payments made between installment dates. Approximately {$150.00} to {$160.00} dollars up to this point has been made. Bright Lending is refusing to apply the additional payments towards principal payments. After further investigation, Bright Lending is believed to be breaking the law by charging annual rates above the State of Montana and the District of Columbia 's " Cap Interest Rates. '' The State of Montana does not have Bright Lending or any of it's affiliates listed as registered businesses. 

Bright Lending is believed to be working from an " off-shore haven '' ( XXXX ) where the site is listed as being hosted via a XXXX Search. Additionally a traceroute of the IP address indicates off-shore computer servers. 

My goals were to pay off the loan as quickly as possible within the District of Columbia 's Cap Rate of 24 %. It is believed that Bright Lending is a bogus site being operated by some third party refusing to be registered as a corporation in the US. 

It is believed that my phones were rerouted by Bright Lending in order to put me in a compromising situation relative to the loan.
Consumer complaint received 2023-02-14
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. (FL)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account.
Consumer complaint received 2021-01-13
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. (GA)

I have disputed unauthorized inquiries with Transunion. I stated that I didnt give consent for my credit to be pulled by the creditors I listed in a letter and they sent me back a generic response. Transunion did not investigate my dispute and did not provide proof of investigation.
Consumer complaint received 2020-04-03
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. (TX)

Was on hold with CitiBank for 49 minutes and when a guy answered asked for my CC number they hung up super fast, called again and waited another 40 minutes and the didnt ask for my card number and actually let me speak. XXXX  werent doing deferments because of Covid 19, just like XXXX.
Consumer complaint received 2020-04-03
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: Bread Financial Holdings, Inc. (RI)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (CA)

I'm a XXXX veteran and have been using Direct Express ( DB ), Comerca Bank ( CB ) Card, which treasury department sends electronic deposits and I been using DB for many years but trying to close and transfer balance of {$19.00} to new bank but CB automated system is denying because it's less than {$20.00}. I have already had Treasury department sucessfully send my new deposit to XXXX  XXXX XXXX XX/XX/2020 therefore they have my cheking and routing number but now CB is making difficult and creating obstacles to people with XXXX to close account and worry they may be intentionally doing this so they can keep balance. I agree to pay any fee 's to transfer but they're automated system deny 's us that option to transfer and request they comply with ADA and change their internal automated XXXX Customer Service system which can be simplified and accessible 24/7-365 Days a year.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M&T BANK CORPORATION (PA)

M & T bank is not reading the receipts I already did a complaint with them theyre saying it was another bank when we only dealt with them, XXXX XXXX needs to read the amounts involved and would obviously see there is a discrepancy there, our home equity loan was roughly XXXX XXXX  and we paid off XXXX all I want is breakdown on the dispersal of the XXXX that was paid to them, Ill attach a monthly receipt to verify this
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (FL)

My XXXX mortgage payment of {$3900.00} was received and cashed by the mortgage servicer on XX/XX/2022 ( check image attached to complaint ). As of XX/XX/2022, no payment had been applied to my account and I hadnt been notified by phone or email that my payment was late. The mortgage servicer said my case was under investigation but refused to guarantee that they would not report a late payment to credit bureaus while under investigation.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (WA)

Sir/Ma'am, My wife and I have two credit card accounts with Macy 's Rewards/XXXX XXXX XXXX Today ( XXXX ) my wife was reviewing her credit history with XXXX  - - because we're applying for a mortgage, which the issue I'm about to describe to you only exacerbates - - and she observed that Macy's/XXXX XXXX had apparently arbitrarily decided to lower our credit limit from {$1500.00} to {$800.00} per account without prior notice. 
This normally would not even really be an issue, but here are the specific and serious consequences for us, the lowly consumer : 1. We each have really excellent credit history, but this decreased credit limit - - done without soliciting any feedback from us - - will hurt our credit rating, through no fault of our own.

2. We're currently trying to get a mortgage - - see # 1 above.

3. Without exception, we pay all our bills on time - - see # 1 above.

4. Neither Macy 's nor XXXX XXXX contacted us ahead of time ( text/email/telephone/USPS ) regarding this - - they simply did it.

5. We spent well over an hour on the phone today arguing with Macy's/XXXX XXXX telephone operators in the XXXX ( because apparently American big business interests have written off investing in this country and choose to invest in overseas telephone call centers instead ) trying to describe the adverse financial consequences we will now experience with a likely lowered credit rating ( and higher interest rates ) when we apply for a mortgage in the near future. And of course, nobody in XXXX really grasped how this was a problem, nor could they explain why it was done or what our recourse was, nor how we could communicate directly with executives in XXXX XXXX in order to plead our case. 
6. Lastly, and most disgusting of all is the fact that these despicable and arbitrary actions are taking place in the middle of the global plague that the XXXX XXXX Government has unleashed on the world. People are literally dying around the globe and entire industries are going under, and we're on the edge of a recession or ( possibly ) even a depression. People are under a lot of stress, and the thoughtless actions of this credit card company are not helpful. I find it hard to comprehend how they failed ( and continue to fail ) their customers, and their behavior especially at this time is hard to comprehend.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MS)

Synchrony Bank and XXXX XXXX  are reducing credit limits arbitrarily, thereby making credit card usage appear higher which negatively impacts credit scores which increases interest rates. This is causing consumers to spend more in interest to purchase cars, housing, etc. 

The accounts I have with both these banks have NEVER had a missed or late payment. They are using some computer generated model to determine a persons credit worthiness and they then reduce the limit or close the account with no notice to the consumer, which is an entirely unfair practice. 

The file I attached shows how XXXX  listed my credit limit decrease immediately before my credit use increase, even though I had not used that card.
Consumer complaint received 2023-01-30
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: Resurgent Capital Services L.P. (GA)

I was checking my credit yesterday XX/XX/2023 because i want to buy a house and noticed erroneous infornmation on my credit profile. below is the information. 

Account Name : XXXX XXXX  Account Number : XXXX Amount Owed : {$760.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$1000.00} Account Name : LVNV FUNDING LLC Account Number : XXXX Amount Owed : {$600.00} Account Name : LVNV FUNDING LLC Account Number : XXXX Amount Owed : {$610.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$310.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$400.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$220.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$750.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$200.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount Owed : XXXX
Consumer complaint received 2020-03-25
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: TRUIST FINANCIAL CORPORATION (FL)

Dear CFPB Staff, XXXX has repeatedly violated the THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] concerning a fraudulent account being reported on my XXXX   Credit Report titled " SunTrust Personal MA ''. 

XXXX has refused to perform actual investigations. XXXX  has refused our requests for a detailed breakdown of their " investigation '' as per the FCRA multiple times. And XXXX has hurt myself and my family financially because this. 

XXXX has continues to address this matter, and the XXXX   phone representatives have repeatedly hanged up on myself over the phone. 

I have provided all the documentation XXXX have demanded multiple times these past two years. XXXX refuses to address this as well. 

In CFPB Case # XXXX XXXX even attempted to dodge responsibility by pretending they were not aware the CONSUMER Financial PROTECTON Bureau has the legal authority to represent us in this matter. But even worse, the CFPB Staff Member in charge of our case allowed them to and closed the case without any resolution. 

This illegal behavior on behalf of XXXX has crippled my family financially. And the CFPB has not only allowed it, but has ignored our complaints about your failure to help us consumers with my Congressman XXXX XXXX. If the CFPB refuses to begin address this matter on behalf of us American Consumer we will hold the CFPB for our continuing situation and the pain and suffering it is causing us. 


Ps. 
We have sent all the requested documentation XXXX  's Staff requested in CFPB Case # XXXX multiple times these past two years. We have granted XXXX permission for both the CFPB and our Congressman XXXX XXXX multiple these past two years. 

However, once again as manipulative as XXXX XXXX  employee was trying to be the American Consumer Financial Protection Bureau is not only legally allowed to communicate with Credit Bureaus on these matters, but in fact was established by the American Government on XX/XX/2011 for this very purpose. The CFPB Staff member addressing this new case is therefore not to accept that illegal excuse on XXXX XXXX part as a reason not to address this matter.