davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (DC)

I was automatically enrolled into a Rewards point sharing program between American Express and XXXX, and received the email below. I never agreed to have my information shared with XXXX or any other affiliate. By claiming this to be a " convenience '', American Express has unilaterally decided to share my information. 
I had to un-enroll myself by logging onto my XXXX account. 

Text of the email I received, is shown below this line " Why am I receiving this email? 
For your convenience, American Express and XXXX have worked together to launch a new feature that automatically enrolls your American Express Membership Rewards card to Shop with Points at XXXX. Now that youve used your card for your XXXX purchases, you can view your Membership Rewards point balance and redeem for eligible purchases on XXXX, without the extra hassle of manually registering online. ''
Consumer complaint received 2018-10-18
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. (MS)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX  XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX, XXXX : XXXX, XXXX OF XXXX Equifax : XXXX.
Consumer complaint received 2022-03-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Loged on to check my credit report, it start sakin about charges iv hever herd of, dates i dont rememb3r buying anything.then said to contact customer sct atXXXX number, just like that.
Consumer complaint received 2018-12-18
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. (NY)

Disputed ( XXXX ) XXXX XXXX authorized user account twice with the same result. Came back as verified but Im not an authorized user on this account. I have no knowledge of this account and I have no card/info for this account. If I said I dont know whos account this is how are they still legally allowed to have this account on my report? 

I called XXXX and they said i have to be the primary account holder to remove myself. How does that even make any sense? Dispute doesnt work so how do I get this account off my report exactly? 

XXXX removed it without an issue. Its always XXXXEquifax that gives people headaches.
Consumer complaint received 2020-02-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation (FL)

Fortiva financial services continues to contact me after I asked them to cease and desist from communicating with me regarding furniture financing. I would like this charge somehow removed from my credit reports as I am fixing my credit and have accounts now in great standing.
Consumer complaint received 2018-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

Tried to access Nelnet website, however, I am unable to because of the " status of my account. '' The status is that I have am third-year in a five-year Chapter XXXX bankruptcy out of the XXXX XXXX of North Carolina. Not only do I want access to my account via online so I can make optional payments ( when I have the extra money ). I understand they are not required during my bankruptcy proceedings. Moreover, I want the most recent account balances ( with principal and interest balances clearly delinanated, and the grand total ). Finally, I want to be able to access the XXXX application. Right now, I am unable to because of the " status of my account '' message.
Consumer complaint received 2023-01-27
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: WELLS FARGO & COMPANY (TX)

Dear CFPB I am writing this letter to complain that XXXX credit cards treat users differently when credit cards are stolen and user information is stolen. 

Recently, many users ' XXXX credit cards have been stolen, and their user information has been stolen. I also experienced the same thing, and immediately replaced it with a new card. 

For this incident, XXXX compensated the user by paying XXXX points to keep the user, but I experienced the same thing, but did not receive the compensation notice. I have contacted XXXX customer service and they said they are not aware of this. 

hope help i want compensation back
Consumer complaint received 2022-03-08
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. (OH)

PLEASE SEE ATTACHMENT. YOU HAVE UNTIL XX/XX/XXXX TO ANSWER MY DEMANDS. YOU ARE BEYOND YOUR VIOLATION OF 15 USC 1681c-2.
Consumer complaint received 2018-05-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL (NY)

Attorney wrote a letter to XXXX XXXX stating that interest rates were usury and illegal in the State of New York and that the bank was to cease all phone calls which begin in the middle of the night through XXXX and XXXX XXXX   and all day long. Bank inflates amount owed and is ruthless and fraudulent in the bank 's attempt to collect. The phone calls are debilitating.
Consumer complaint received 2022-06-21
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. (OR)

Equifax. XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

complaint sent your office mean time, with ftc complaint credit report cause us to be XXXX and money taken out our action 's your office failed to make they remove the old info, your office had proof of the action with letter enclosed again. now collections are now using new numbers s. XXXX XXXX XXXX XXXX office a compliant as well XXXX programs are being affected. by this reporting police reports from XXXX  and XXXX has been sent your office and the XXXX XXXX XXXX with XXXX request
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I sent a transfer to XXXX, and the bill said that it could arrive on XX/XX/XXXX or even earlier, but the XXXX side has not received it now, and it does not work to go to the bank to ask
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

I paid XXXX XXXX  to do my credit report on debt collection and I felt I was being robbed cause XXXX still report third party collections so I left XXXX XXXX and stop payment with this company
Consumer complaint received 2022-03-08
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. (FL)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2022-06-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

Freedom mortgage has misplaced approximately {$4000.00} of my escrow account that was refinanced in my mortgage loan. now they want me to replace it b y increasing my escrow from approx. $ XXXX. to $ XXXX. I have called them over 15 times and emailed the same amount of times. I have all documents to show and prove this. They say they will foreclose if I do not pay the {$4000.00}. Even though it was finance into my loan.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-31
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX  XXXX {$2500.00} XXXX  XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$150000.00} XXXX/XXXX   XXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX {$28000.00} XXXX XXXX XXXX  XXXX XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX   XXXX {$550.00} XXXX XXXX {$550.00} XXXX  XXXX {$4600.00} XXXX   XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$53000.00}
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (SC)

Citi bank, collections, harassment. 
I have been receiving multiple times calls a day up to 6 or more, six days a week if not 7days for over 2 months. Sometimes only 2-3 hrs apart from each other. Example XX/XX/XXXX received a call at XXXX,XXXX,XXXX. XXXX,XXXX,XXXX. I have answered the phone first time and talk to them and they continue to call that day. They say that they will make note to inform Citi. But others claim no notes or info on file. Others said they don't do that. My reading of new federal laws passed by Congress against credit & collections companies. One is that they can not continue to call and harass multiple and multiple times a day everyday and they say on the phone that they will continue to do so. Last talked to them on XX/XX/XXXX XXXX talked to XXXX Id # XXXX he gave me. Refused to tell me the managers name as all companies do. The laws are in place to protect us from harassment calls from credit & collections companies do they work. Who else do I need to contact and file with? Thank you.
Consumer complaint received 2018-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity XXXX XXXX accounts and they were sent to collections as well to XXXX XXXX XXXX XXXX, Account # s XXXX, AND XXXX amounts {$1700.00}, {$630.00}, {$520.00}, {$460.00} XXXX XXXX, {$1000.00} -XXXX XXXX for {$2600.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (AL)

I am getting sick and tired of overstock taking credit away from me. I'm trying to build my credit by building credit on my account. It's always when i build up credit over {$200.00} is when they decide to decrease my credit. I'm not even applying for credit. They make this excuse that every few months they run a credit review. I have had many credit cards and none of them have done to me what commenity bank is doing to me. Then I'm left without all the credit i saved up for the past 6 months and left with barely any credit at all to spend. My account is current with them. I am being treated very unfairly.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (ND)

I am a victim of identity theft and someone stole and used my personal information to open a XXXX XXXX XXXX Checking Account : XXXX and Money Market Rewards Savings Account Ending In : XXXX, the accounts are fraudulent, unauthorized and do n't belong to me. I have never had or opened an account with XXXX XXXX XXXX.
Consumer complaint received 2023-03-18
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION (FL)

I have made several payments to them in the last two months of what I could pay as my normal payment amount and Im only a month behind, they continue to call 2-3 times a day and now they are calling me on the weekends. I feel harassed as they havent sent me any paperwork only called multiple times and disrupting my home life with 3 kids and a pregnant wife. Its continued added stress that we dont need
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

XXXX. Took 4 times from my account to the total of {$800.00} 3 withdraws of {$190.00} each and 1 {$220.00}. Total {$800.00}. I called XXXX the insisted I ordered it. I did not ever.then called bank.said they would look into it.after about 5 weeks I finally called no info yet from bank called again in 2 weeks. Bank tells me XXXX says I I ordered service, so the decision is in their favor, I loose XXXX dollars. Then my account was closed of 17 years., they wanted the money back after the temporary return of funds. I advised I was not going to pay its
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a Sect 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.
Consumer complaint received 2022-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates furnished information on an alleged debt which is reporting on my XXXX and XXXX consumer files under two different truncated account numbers. Please see the attached certified mail receipts. I have disputed this alleged debt twice directly with Portfolio Recovery Associates. Old account statements from an original creditor are just statements but definitely not proof of third-party ownership. Nor is it logical to assert otherwise. 

The alleged debt under Portfolio Recovery Associates was also reported prior on my XXXX consumer file. I disputed the alleged debt directly with XXXX, and the CRA deleted the unverified collection account following its reinvestigation. Please see the attached XXXX XXXXXXXX XXXX results. Sections 611 and 623 of the FCRA impose specific dispute investigation and resolution duties on CRAs and those entities that furnish information about consumers to the CRAs ( " furnishers '' ). 

After receiving all relevant, consumer dispute information from the CRA, furnishers, such as Portfolio Recovery Associates MUST ( i ) conduct an investigation of the disputed information ; ( ii ) review the information transmitted by the CRA ; ( iii ) report the results of the investigation to the CRA ; and ( iv ) if the investigation determines that the information is incomplete or inaccurate, report those results to all nationwide CRAs to which the furnisher reported the original information, pursuant to FCRA section 623 ( b ), 15 U.S.C 1681s-2 ( b ). 

There is no indication that Portfolio Recovery Services adhered to part ( iv ) of the required dispute process noted above. Information about the deletion of that account from my consumer file following XXXX 's reinvestigation does not appear to have reached XXXX or XXXX. The unverified Portfolio Recovery Associates collection account is still being reporting on my XXXX and XXXX consumer files. I want Portfolio Recovery Associates to explain why the results of the XXXX reinvestigation were not shared with all nationwide CRAs to which it reported the original debt collection information as the FCRA requires. This is my financial reputation and livelihood which must be taken seriously.
Consumer complaint received 2018-12-18
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: EQUIFAX, INC. (CA)

Complaint is concerning wrong address, Never own XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX XXXX LAST REPORTED XX/XX/2018 According to Equifax
Consumer complaint received 2018-12-18
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. (TX)

Over the past few years, XXXX began reporting that my loan was charged off when I actually paid it off. They reported to Equifax. XXXX corrected the issue on 2 or 3 occasions with oversight from Texas XXXX.

I was denied credit today as Equifax is reporting an XXXX foreclosure and negative in city from XXXX. I have never heard of XXXX.

I need this matter corrected immediately.

Kind regards XXXX XXXX
Consumer complaint received 2018-12-19
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I noticed on my Experian credit report that I had a notification about a hard credit inquiry had been pulled on my credit by XXXX XXXX. I immediately called and tried to get a hold of XXXX to find out why. I do not have or have had an account with XXXX, and I have not applied for credit in any form recently. XXXX had no record of me as a customer, and they did not have an account in my name so they were not able to help me. I checked several times with XXXX credit applications to make sure that there wasn't an application in process, and they also had to record of anyone requesting credit with my ID or SS number. 

Learning this I initiated a credit freeze with the credit reporting agencies to prevent other accounts or inquiries being made without my requesting it. 

Details of the hard pull directly from my credit report : Inquirer Name : XXXX, Inquiry Date : XX/XX/2018 Business Type : XXXX Contact Information : XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
Consumer complaint received 2018-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO (FL)

XXXX XXXX XXXX XXXX Misapplied my PRINCIPAL Payment to Interest. The Payment was labeled on the check and the Invoice as Principal, but it was applied to Interest. I contacted the bank, but they ask to leave a message ( 4 ) but no one ever returns my call. I filled a complaint with the XXXX XXXX CASE # : XXXX, but the complaint was ignored XX/XX/XXXX Reminder of Dispute to Business XX/XX/XXXX Consumer - Have You Heard From the Company XX/XX/XXXX No response to first notice to business XX/XX/XXXX Notify Business of Dispute
Consumer complaint received 2021-11-04
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: EQUIFAX, INC. (MI)

I have several incorrect issues reporting in my credit reports with Equifax, XXXX and XXXX so on XX/XX/2021 I sent the 3 aforementioned credit bureaus dispute letters to investigate the inaccurate information reporting on the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, US DEPT OF EDUCATION, XXXX XXXX, BANKRUPTCY # XXXX, BANKRUPTCY # XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX accounts. When I didn't get a response by XXXX I was concerned but, I sent more dispute letters to the credit bureaus into the incorrect issues on XX/XX/2021. It's now XX/XX/2021 and still not one letter back from any of the credit bureaus. Not one letter. The credit bureaus are obligated to respond back in 30 days to all dispute requests but, It's been 3 months and they have not responded. I am asking you to enforce the FCRA and delete 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, BANKRUPTCY # XXXX, BANKRUPTCY # XXXX, and remove the late payments from XXXX XXXX XXXX and XXXX  XXXX XXXX.