davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Windham Equity Company (ME)

The company Lease and Rental ( now auto use auto loan ) continues to report inaccurate information to my credit report. I requested the company to supply me with all information regarding the account and sent a validation letter. The company has not responded to any of my requests and I have mailed multiple letters. The company does not delete the account from my credit reports and continues to report inaccurate information. Recently the creditor updated the account from a dispute and caused my fico score to drop 21 points because it calculates a missed payment although I have not missed a payment in over 2 years. This drop in score has disqualified me for a pre-approval for a mortgage and leaves me at risk for being homeless because my landlord is selling the building and future buyers may require my family to vacate.
Consumer complaint received 2021-08-14
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX OR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX NO CONTACT NUMBER LISTED Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Original Creditor : XXXX  XXXX  OR XXXX XXXX XXXX  account number ISNT DISPLAYED with a balance of {$250.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (IL)

I have a Wayfair Account for the last several years. In the interim, they closed my account without issuing a notice because they are now using a different bank for credit. 

Since my account was closed without notification, I did not want my credit score to suffer therefor, I made aggressive payments to pay the account off and made a final payment of {$290.00} to Wayfair on XX/XX/XXXX. ( or so I thought ). 

I recieved a statement in XXXX advising I had a Finance charge. I attempted to get it reversed via email at least twice, however, I had no success and paid {$13.00} on XX/XX/XXXX. Again to attempt to pay the account in full. 

Today, I received yet another statement from Wayfair stating that I owe another {$15.00}. When I attempted to call, I was prompted by an automatic operator, only to be disconnected after 5 minutes of waiting and attempting to get assistance. 
I am absolutely livid! 

This is not a matter of money but rather of principal as I believe this is a scam with bad business practices. 

I don't want my credit score to suffer, however, the thought of having to give another {$15.00} to this bank makes my skin crawl. I believe these are fraudulent and unfair finance charges and I would like this removed from my account. Please help me.
Consumer complaint received 2021-08-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (PA)

On XX/XX/2021, XXXX XXXX, a Wealth Relationship Manager at Citibank, informed me of a promotion going on at Citibank ( deposit {$50000.00} into a Citi XXXX account and receive a {$700.00} bonus later on ). On the phone, he did not mention too many details. I initially transferred the money from another Citi account ( granted, I did not realize at this time the money had to be " new to Citi '' ). 

On XX/XX/XXXX, XXXX notified me that the deposit was ineligible ( as it was not external ) and told me that I would not be eligible for the bonus. I was more disappointed that he notified me after the 30-day rule that stipulates " Within 30 days of the opening of the new eligible checking account, any owner of either eligible account must make a deposit of {$50000.00} or more in New-to-XXXX Funds into the new eligible checking account. '' This delayed communication seemed to be deliberate to avoid payout of the bonus promotion. 

XXXX went on to mention that I could deposit {$50000.00} more into Citi ( from an external account ) and that he would submit an appeal on his end in two more months. He did note that this was not a guarantee. 

On XX/XX/XXXX, I was notified that I would not be eligible. I called customer service at Citi and they read off the letter I was already sent and were of no help. 

Citibank should NOT have conveyed that I could be eligible for the bonus. The delayed notification in the beginning now seems deliberate in order to hold my capital for a longer period of time with no intention of paying out the bonus. This was a bait and switch tactic to maintain a hold on my capital for a longer period than conveyed.
Consumer complaint received 2021-08-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (MA)

Have been called twice a day for the past few months about a debt that I attempted to pay off in XX/XX/XXXX. Payment was returned multiple times by American express and they refused to accept my money for payment and continue harass me by phone and email. Have contacted company and shown proof of thie mistakes multiple times but american express keeps selling off the debt to different company 's that continue to harass me and charge me interest on an account that was closed in XX/XX/XXXX. Everytime I dispute the incorrect debt with the debt collectors american express starts to contact me again saying I owe them even more money. Have reported them before and they stopped contacting me but have resumed contact again.
Consumer complaint received 2021-08-10
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: Experian Information Solutions Inc. (MD)

I have a mortgage that is serviced by XXXX/XXXX XXXX. In XXXX of 2020 I got buried with major home repairs and some minor medical bills and got behind on my mortgage. I was able to bring everything current and on time by XXXX of 2020 and have been perfect since. My Experian credit report says " XX/XX/2020 Foreclosure Started '' but uses no language to indicate that the process was terminated or otherwise stopped when the mortgage was brought current. I am selling the house and the buyers mortgage company is concerned that there is a looming legal process clouding the deed and title, and I am unable to secure a mortgage to buy my next home because of the failure or refusal to adjust the Experian credit file. The payment schedule clearly shows the months when the payment was late, the written statement about foreclosure procedure starting is in addition to that schedule. They should add language " foreclosure proceedings aborted or ended '' or remove the the written language about it starting. It is a problem and it is costly to both me and the buyer of my home. I may lose this sale.
Consumer complaint received 2021-07-28
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. (FL)

I would like to report about error in my profile. Suddenly there appeared one account and few inquires that do not belong to me. I was chocked to them in my profile. I would be very grateful if you can check them and let me know and if yo figure out that they are not mine just remove them after your check. I am telling to you that they are not mine and I do not want have something that do not belong to me.
Consumer complaint received 2021-08-14
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (AL)

I have been disputing with Lexis Nexis since XX/XX/2021. Lexis Nexis is reporting an unverified Bankruptcy on my credit report and their 3rd party system. Per the courts, they do not furnish public records. I have attached the letter sent by the courts to validate my proof of dispute. Per 15 U.S Code 1681 ( b ), I did not provide written instructions to furnish my credit report, cease and desist all collections and reporting activities.
Consumer complaint received 2021-08-14
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LD Holdings Group, LLC (CA)

XX/XX/2021, voicemail " hi this message is for XXXX XXXX i'm calling from Loan Depot, please give us a call back. The number is XXXX, thank you. '' I called this number and the representative only identified themselves as XXXX. She took my name, social security, etc. Asked permission to call me on the phone and if I was the subscriber. Weird! I thought I just called a scammer back. After arguing with her about the personal information being excessive and not asked previously with other phone calls to company. I requested a manager and refused additional information. Then she told me I was late on XXXX mortgage payment. 

I had to ask her what company and what department she was with. She did not provide this information voluntarily or upfront, but told me Loan Depot and collections. It was her or the other person XXXX that informed me that I was reported late to the credit bureau and would again be reported if I did not make the payment. Despite me telling them I had not received any refund from the company thus the XXXX payment was paid. My bank paid the amount in XX/XX/2021. The only solution I had was to pay more money or have further negative reporting. I was told they would send information to the department dealing with the situation and someone would call me back within a week. I asked who and they stated they did not know. 

I asked how would the credit reporting be corrected and was told to contact the credit agencies and dispute. They would send a note and see if company would reverse reporting, but only if company determined they were at fault. 

I paid the money as I don't want the negative reporting affecting my employment. They now have an extra payment again that is not applied to my mortgage. I have received no refund check despite their claims it was sent. I was told the check showed uncashed, but I still had to make the payment or further negative credit reporting could result. The only reason I made the payment was because Loan Depot would continue negative reporting to credit agencies.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (CA)

Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later following this, on XX/XX/XXXX once again I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. As of now, I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX and XXXX  to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AK)

I applied for the Citi savings account online through my Citi credit card homepage around XX/XX/2021. I then electronically transferred {$50000.00} from my XXXX XXXX  account to the new Citi savings account. My account was then frozen. After calling them multiple times they said it was because I need to provide a physical address. I sent them the documentation they requested over multiple dates ( recent pay stub, rental agreement of my storage unit, etc ). The documents are always denied and when I call back ( they never call me ) they insist on a utility bill. I don't have that, I live on an oil rig. So at this point we have two options : unlock my account, or give my money back. But they won't give my money back unless I provide a utility bill, which I don't have. I don't think Citi can legally withhold my money that is rightfully mine. It's a lot of money and they've held onto it since XXXX. I've called them dozens of times and it's always 20-30 minutes and it goes nowhere. They just ready the same stuff from a script. All they have to do is transfer the money back to my XXXX account, or worst case scenario send me a paper check. I've already provided Citi with the reference # and trace # ( obtained from XXXX  ) of the original $ XXXX transaction. Next recourse will have to be legal action I guess.
Consumer complaint received 2020-02-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Crescent City Credit Recovery, Inc. (LA)

Crescent City Collections has contacted me twice concerning an unpaid medical bill for my son. During the first call, I informed the clearly intoxicated older woman on the phone, that I did not give payment information to people calling my home. She slurred, and cursed, and then hung up. My daughter answered the phone after this and tells me the same thing occurred. Today, the same lady who said her name was XXXX XXXX, called me again at XXXXalready intoxicated. I told her she had called me intoxicated and using foul language in the past. She told me her boss was not available. I will happily pay the bill after this is resolved. I believe this is in violation of what is allowed by collection agencies.
Consumer complaint received 2018-05-31
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: JPMORGAN CHASE & CO. (TN)

Beginning in XX/XX/XXXX Chase began FRAUDULENTLY running my credit under the ruse that I applied to XXXX for Credit. I DID NOT AND NEVER HAVE! In addition to me not actually doing so the reasons like " no bank account '' and " XXXX credit score '' were MADE UP as I've had the same bank account for over 20 years and even with the running my credit FRAUDULENTLY for about 10 times my credit score is XXXX or more! They supposedly notified the credit reporting companies of the FRAUDULENT runs and on XX/XX/XXXX sent me a letter acknowledging the FRAUD which I have attached. 

The PROBLEM is that on XX/XX/XXXX received a notice telling me about " their right '' to share my information! I'm filing this complaint because Chase dose NOT have this right as the " applications '' were FRAUDULENT! Common Sense should have told Chase to PURGE my and my information from their system and they are NOT rightfully in possession of it.
Consumer complaint received 2021-08-13
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: EQUIFAX, INC. (NY)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-08-14
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: OneMain Finance Corporation (MD)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have No proof I initated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furn
ish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : ONEMAIN  on XX/XX/2021 I AM REQUESTING UNDER FCRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA 605B ( 15 U.S.C. $ 1681C-2 ) ( 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 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. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. 
Thanking you in advance
Consumer complaint received 2021-08-13
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: EQUIFAX, INC. (NV)

XX/XX/21 dispute submitted XX/XX/21 dispute submitted Bankruptcy Information was removed by XXXX and I have requested removal from credit report. They are denying the removal of this information.
Consumer complaint received 2021-08-09
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: Experian Information Solutions Inc. (CA)

The 3 major credit reporting agencies ; XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Experian, XXXX. XXXX XXXX XXXX TX XXXX RE : Total and permanent XXXX. 
Im requesting that these reporting agencies remove this as a negative on my credit reports.
Consumer complaint received 2020-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX would not disclose who they were or who they represented. 
They claimed that a Capital One credit card was opened and not paid. The representative began to become very rude and offensive when I ask who was speaking. He became very abusive and obnoxious, cursing and calling me foul names. Telling me, " You are going to pay me in full or I'm going to throw your XXXX in XXXX, and ruin your XXXX credit! ''