davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

Dear CFPB. 

I am terribly concerned about what XXXX has done to me and my credit score. Last year I had issues receiving my statements around XX/XX/XXXX-XX/XX/XXXX. I had informed the company of this and they had assured me that they were lost/stolen statements and I was not responsible for this one time issue. Fees were reversed and I was told my credit score and report would not be affected by this confusing situation and that my statements would now be coming. I even called to tell them later on in XX/XX/XXXXto inform them that i was now receiving them and was no longer having issues. Recently I checked my credit report and I was mortified to see that they had reported me late after I was continually told that this would not happen. To my surprise and horror they had lied to me and reported me 30-59 days late on all three of my credit reports for XXXX AND XXXX of XXXX!!! That is two consecutive months they reported me past due 30 days each and my credit had dropped nearly 100 points. It is beyond my comprehension how they have done this to me when I called and informed them in XXXX and XXXX that my statements were missing and I had no idea if I had a balance due and what that balance was. This is incredibly unfair and I am horrified to see that they lie to customers and would like them investigated for this. They are ruining my life over an unknown mistake an dI would please ask the CFPB to have them correct it. I am afford to speak to them in fear of being lied to again and this taking another stressful year out of my life. Please please help me!
Consumer complaint received 2017-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (DE)

constant collections calls all day Numerous calls in one Day, its Annoying and Violates the FDCPA on Collection Call Harassment on A Predatory loan imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower does n't need, does n't want or ca n't afford. LOAN # XXXX
Consumer complaint received 2022-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (FL)

Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 
Please refer to my previous letter for the information that needs to be re-investigated.
Consumer complaint received 2022-08-27
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. (NC)

I am disputing the Hard Credit Inquiries on my report. One of the companies, XXXX XXXX, I did authorize, but they ran my credit twice instead of once at two different times. They also sent me a card that I did not apply for. I was fine with the initial pull, but not two. When I called they could not tell me why and said It must have been the computer or Fraud to alert my Credit company. I now have a card, but I am concerned when I only applied once. One of these should be removed from my report along with the other companies that I did not approve. 
The only one that I authorized Is the XXXX XXXX on XXXX, XXXX 
I do have two cards with XXXX XXXXXXXX now and do not wish to compromise my credit, but I am confused a to why they pulled my credit twice when I applied for one card. I have had an issue with XXXX XXXX XXXX on my other two credit reports. I did not give XXXX XXXX the permission to pull my credit nor do I have credit with them. They did not just pull it once but also twice. This is another reason I am concerned about fraud. At the same time, XXXX pulled my credit. I definitely did not authorize that since I had been in dispute with the company. The last one I have no idea why my credit was pulled I have not credit with XXXX  XXXX  not have I ever authorized them to pull my Credit. 
Inquiry details. I was told it is a mortgage company called XXXX. 
XXXX XXXX XX/XX/2022. 
XXXX XXXX XX/XX/2022 XXXX - XXXXXXXX XXXX. XX/XX/2022. Not authorized. 
XXXX XXXXXXXX XX/XX/XXXX, XXXX All of these happened after I got my credit card with XXXX XXXX the inquiry XX/XX/XXXX. 
I have not been looking for a morgage and am not either. 
XXXX. XX/XX/2022. Not authorized All of the above inquiries, Except the XXXX XXXX, XX/XX/2022 should be removed. They were not authorized on my credit. 
XXXX XXXXXXXX is supposed to be sending and electronic message as to the XX/XX/XXXX inquiry. 
I will be filing a police report tomorrow per XXXX request and have filed with the CFPB per XXXX suggestion.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I filed my taxes for XXXX i got a cashiers check from XXXX took the check to my bank which is CHASE they looked at the check looked at me then said we cant cash it so I asked to deposit it and immediately they put a XXXX day hold on it i have called for XXXX days and at this point feel completely discriminated on due to being XXXX! They are telling me they cant give me any information or give me there name or any information on why i was sent to the fraud department for a cashiers check can you please help me
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I have just pulled my credit report and noticed 6 Delinquent Closed collections from XXXX. I am sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are involved with this debt, and there is/was some contractual obligation which is binding on me to pay this debt. I have sent validation request letters to all 3 credit bureaus ( XXXX, XXXX, and Experian ) via certified mail. 

Letter of sale or assignment from the original creditor to another company is reflected on my credit reports, however the balance amounts, origination dates, and payment delinquencies are not matching with the 3 major credit bureaus ( XXXX, Experian or XXXX ). 

Although this account reads closed/ sold, it is unacceptable for this to remain on my credit report, as this reflects negatively on my credit rating. I have no proof this account is mine. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. Why are pursuing collection activity on a paid account in the first place? This is definitely harassment and is a violation of the FDCPA under 15 USC 1962e : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to the debt. It should be read Paid as Agreed/ Closed or be completely REMOVED from my consumer reports.

Invalidated information from any of the 3 major credit bureaus ( XXXX, Experian or XXXX ) on my credit report may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by XXXX or any representative is a violation of consumer rights. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Consumer complaint received 2023-01-13
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. (TX)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-28
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. (GA)

Experian is ruining my reputation and financial well being for my family. Consumer reporting agency assumed the role on my behalf and it is fraud. I will be forced to take Experian to court and am prepared to do so. I am a consumer and the harm you're causing my family is causing XXXX and XXXX-you have 10 days.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In The First Box I am XXXX XXXX submitting this complaint against Experian information solutions , inc and their is no third party involved I demandExperian information solutions, inc to delete and update these alleged late payments as I did not give permissible purpose to neither you nor XXXX to furnish anything on my consumer/credit report this is a complete violation of the FCRA & my right to privacy that your company has infringed on which you are not privy to do without my written consent pursuant to 15 usc 1681b ( a ). You, Experian information solutions , inc are not in compliance pursuant to 15 usc 1681e your duty is to assure maximum possible accuracy of the information concerning me, Consumer and your company is not complying with that duty and has been negligent. 

In conclusion you, Experian information solutions , inc clearly is unwilling or incapable of operating lawfully. 


Remove these late payments at once
Consumer complaint received 2018-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (GA)

Yes its been over 80 days and XXXX XXXX who is the actual owner of XXXX credit card can not get a resolution and I ended up making four payments and to this day only XXXX a manager at XXXX call center located XXXX XXXX agent id XXXX XXXX XXXX Colorado they owe me over XXXX plus internet in over payments
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I get letters and calls frequently about a debt that is not mine. ( company name and logo showing through the cellophane envelope, which is a violation of 15usc 1692b and 15usc1692f ) Sending unsubstantiated claims around in the mail demanding money may be considered mail fraud. It is currently codified as 18.U.S.C. 1341, 1343 and covers both mail and wire fraud. All of my student loans are consolidated and in repayment ( never late/ paid on time ). Pursuant to 15 usc 1692g ( a ) ( 1 ), I requested the amount of the alleged debt, and how the amount of this alleged debt was calculated.
Consumer complaint received 2022-08-27
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. (SC)

I get letters and calls frequently about a debt that is not mine. ( company name and logo showing through the cellophane envelope, which is a violation of 15usc 1692b and 15usc1692f ) Sending unsubstantiated claims around in the mail demanding money may be considered mail fraud. It is currently codified as 18.U.S.C. 1341, 1343 and covers both mail and wire fraud. All of my student loans are consolidated and in repayment ( never late/ paid on time ). Pursuant to 15 usc 1692g ( a ) ( 1 ), I requested the amount of the alleged debt, and how the amount of this alleged debt was calculated.
Consumer complaint received 2022-02-24
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. (PA)

I sent transunion a letter with a copy of my social security and other identifying information. Some representatives have said that they can see it on my account, while others say they can not. 

Regardless, I sent the letter a year ago, in XX/XX/2020, and was under the impression that it would be resolved., and due to the inconsistency in their information, i am not comftorable sending additional information, nor should I have to. I sent you this information already. I dealt with their brutal and terrible customer service. Its not happening again. I am not sending this sensitive information over the mail again, especially considering the TransUnion either lost it, or it has been received. 

This issue further stems from their error of misreading my original SSN. As a result, they should fix it. I have been unable to get a credit card for 2 years ; this has been a serious affect on my ability to be financially independent and to have access to credit when i need it. 

Furthermore, Sensititve informationespecially SSNs should be taken better care of then this. 

Honestly, TransUnion needs to be punished. They are hurting millions of people like me evereyday by not simply doing their jobs.
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

This is not a duplicate complaint so do not mark it as that! I have been in the process of a modification for over half a year, a process that takes no more than 30 days to finalize. I have sent in all documentation in a timely manner to be reviewed for a modification and PHH Mortgage has yet to review my file. Please see the detailed notes below as well as the letter that I sent in. 

XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to f/u on modification, rep XXXX ID XXXX XXXX said that as of XX/XX/XXXX a request for mortgage assistance packet is needed. I asked to speak with a supervisor as we have been told multiple times that he is in full review for a modification. Rep said she could not transfer me to a supervisor and could not give me a direct line to call the relationship manager and could not give me the relationship managers email address. I told her that I need to speak with a supervisor TODAY. She said she can schedule an appointment for a week from now. I told her again that I needed to speak with a supervisor TODAY as ever time I schedule an appointment, my relationship manager never calls me, and if I do receive a call, it is from someone in XXXX or the XXXX letting me know my relationship manager is not available. The rep hung up on me after that. 

XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to f/u on Mod, said it was still in review. Asked to speak with a supervisor, none available. Scheduled call back for tomorrow. Said documents were received XXXX. Said a supervisor will call tomorrow and make sure underwriting is reviewing. 

XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to f/u on appeal, rep # XXXX said that as of XXXX that the mod packet was complete. 

XX/XX/XXXX, XXXX XXXX  NOTE [ n ] - Called PHH to f/u on appeal, docs were received, sent a note to underwriting saying the dox were received. Scheduled appointment for XX/XX/XXXX @ XXXX XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Sent in Quarterly Profit & Loss statement along with Signed & dated letter stating XXXX does not receive any income. 

XX/XX/XXXX, XXXX XXXX  NOTE [ n ] - Called PHH for update on Appeal as relationship manager never called. Agent ID # XXXX said that the appeal was received yesterday XX/XX/XXXX. Asked to be transferred to loss mitigation. Said there is missing items : -2 recent bk statements OR -quartely profit & loss statement XXXX  : -signed & dated letter stating no income BY XX/XX/XXXX Scheduled and appointment with Relationship manager XXXX on XXXX @ XXXX XXXX AM NOTE [ n ] - Sent appeal letter to XXXX *** XX/XX/XXXX, XXXX XXXX  NOTE [ n ] - Called PHH to f/u on modification, rep ( XXXX # XXXX ) said that as of XX/XX/XXXX that the mod was denied. she was unable to tell me why. Said she will send the letter to me via email. Also said that he is eligable for a modification if we wanted to do a financial interview over the phone.
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, 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)

Should credit bureaus be band from doing business? 

My main concern is that the credit Bureaus seem to be slow in updating my credit score. Their slowness makes it to where my credit scores remain at their lowest. Meanwhile, they continue to bombard me with credit improvement services so they can make money. 
I believe the credit bureaus need to be held accountable for this unscrupulous practice. The credit bureaus need to be made to update consumers ' credit record daily not monthly. 
If the credit bureaus want to remain in the business of keeping credit records of the American consumers, they must held accountable. I make this request because the credit records they keep currently have an impact on the American consumers ' daily life. 
The American consumers make purchase decisions daily. Many of these decisions require an up to date credit report. Therefore, we, the American consumers, should not be made to wait for a monthly report. 

Conclusion The consumer should not be made to suffer because bureaus are not doing their job effectively. They take on the job to keep life changing credit record on the public ; they must provide daily up to date record on the consumers. Did we ask them to keep credit records on us? No
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc. (MA)

On XX/XX/XXXX at XXXX XXXX I received an email notification from XXXX XXXX to inform me their has been some changed to my XXXX XXXX. I reviewed my account to check the status of reporting to my credit bureaus. In checking it was XXXX XXXX XXXX whom reported. I contacted XXXX XXXX XXXX XX/XX/XXXX in the morning to check the status of my reporting. I explained to XXXX XXXX my current financial situation. I informed XXXX I am a XXXX mother with XXXX whom have XXXX and XXXX. As well as I am living in a XXXX XXXX from XXXX XXXX  benefits and department of XXXX assistance. XXXX check her system to see what she could do to help me as informed me based on my current situation that she would close the account. I was placed on a hold where she check the system regarding my Comenity Bank debt. XXXX informed me that as of XX/XX/XXXX Comenity Bank is taking back their collections and she will not be able to help in closing my account my account based on my situation. I then asked that is they knew that this account was being transferred to XX/XX/XXXX as of XX/XX/XXXX why would they report it to credit bureaus? XXXX  responded by saying they will remove the report within 10-15 days the latest is 30 days. I cant stop crying as I also contacted Comenity Bank and was informed by the customer representative the account is in collections and they have nothing in their system that indicates it is being taken back. The representative advised me to call, email and leave a message for the debt settlement department through Comenity, which I have done by leaving a message to get a better understanding as to what is going. Most importantly why no has communicated with me about XXXX XXXX number just being sent to different agencies without my consent.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately.
Consumer complaint received 2021-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NY)

I received a collection letter with an allege owed debt of XXXX from SouthwestCredit dated XX/XX/21. In the letter SouthwestCredit failed to comply with Federally Protected Consumer Rights. On XX/XX/21 I sent SouthwestCredit a affidavit of truth along with an invoice, cease and desist, and the contract for proof.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.