davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

We received this credit card when we went to purchase our car in XXXX of XXXX. It is through Comenity Capital Bank and XXXX XXXX XXXX. It was a promotional deal for a downpayment. 

On XX/XX/XXXX I set up our payment method as our bank account and set the automatic payment date to be the date of the first payment due, XX/XX/XXXX. 

On XX/XX/XXXX I realized I was never charged. I went to my email to check to see if I received a notification of an error. There was nothing. 

I logged onto the account and saw no notifications of any kind. So I went in to the bank account information to double check everything was correct. It was. So I set up a new payment to go through on XX/XX/XXXX. 

That payment went through. When I logged in again to view the first statement I saw a {$28.00} fee for " Returned Payment ''. I was confused and reached out to support to ask why I was charged this fee. They informed me that I had cancelled a payment which incurred a fee. I explained to them that I never cancelled a payment and that I contacted my bank to see if they had returned a charge and they informed me that they saw no charge on my account except for the charge on XX/XX/XXXX. 

So I responded and told them it must have been an error with their system. Their response was to tell me my account was suspended since a payment was " returned ''. So a different response and still no refund of the fee. 

I responded to tell them I was confused as to how they were handling the situation and why, if a payment was returned or cancelled, I had not gotten any notification via email or phone. I have not received a response but I am very angry because I feel as though they are charging fees for nothing and that is fraud.
Consumer complaint received 2019-09-30
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: EQUIFAX, INC. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2019-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

My house flooded in XXXX of XXXX. My house has been completely repaired as of XX/XX/XXXX. The mortgage company still has {$370.00} left but the Loss Draft Department will not release the balance to me because they arbitrarily are stating the repair is 90 % complete. {$370.00} on a $ 35,000+ estimate. That amount is a fraction of my mortgage payment. Managers will not call me back and they keep making me miss work to have inspection companies come out who keep giving different opinions on how much work is done, when my home is actually better off than it was before since everything was completed/upgraded. I just want my {$370.00} as I paid for every repair out of pocket and had to fight with them every single step of the way for any reimbursement. It doesn't make sense as to why they are holding this money when my repairs are complete and have been that way for over 8 months.
Consumer complaint received 2019-09-11
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: Bread Financial Holdings, Inc. (PA)

I am in the process of getting a mortgage and I do not believe I was ever late on this account. I certainly wouldn't be late during this process, especially during the final stages! 

30 days late in XXXX, and 60 days late in XXXX! 

How dare Victoria 's Secret report that, I have never been late, please look into the past payment history of the account! My only thought is that my statements never made it to me!
Consumer complaint received 2019-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (TX)

I had a debt with XXXX  XXXX XXXX - XXXX that I paid XXXX XXXX XXXX {$1300.00} on XX/XX/2018. The next day I was contacted by XXXX  attempting to collect the same debt, when I informed them that I had paid it through XXXX XXXX XXXX, XXXX then filed it on my credit on XX/XX/2018.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Social Finance, Inc. (DE)

As of XX/XX/2019 So Fi Lending has reported that I have an open account and that I owe {$41000.00} and this has been included in my bankruptcy and has not been showing up since my bankruptcy. Now all of sudden it shows up and lowers my credit score after 2 years. When I contacted the company they gave me another company 's name of XXXX and said that they purchased it just to hold on to the account, which doesn't make sense after a discharge. But still SoFi couldn't tell me why this is showing as an open account and that I am behind on my payments.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2019-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION (MD)

Someone opened accounts in my name I was unaware of and also tryed to that I was unaware of XXXX in the amount of XXXX Inquiries : XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Independent Dealers' Advantage, LLC (GA)

My car was repossessed a few weeks ago. I called them and told them to please come get the vehicle. It was a financial hardship on me and I could no longer afford the vehicle. They never come to get it till a few weeks ago. I had filed a complaint on my credit report and shortly after that they did send a recovery tow service to take the vehicle. The problem now is they are still reporting the vehicle as not paid and late on my credit report. The vehicle was a voluntary repossession due to financial hardship. My last known payment to IDA finance company on the vehicle was in XX/XX/2019. I need this to be resolved. When I call the company they are very rude and unprofessional to me and I feel I do not have to listen to people talk to me this way. The vehicle shows I owe over 10,000 and this vehicle XXXXXXXX XXXX XXXX value is only around 6,000. I had only paid a little over 2,000 towards the vehicle when it was repossessed due to the way the principal and financing of the vehicle. I would have never paid this vehicle off! Please help me resolve this!
Consumer complaint received 2023-03-17
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. (NC)

Over 60 days I notified the three credit bureaus on the inaccurate information that is being reported on my credit report. I have been trying to get this situation resolved but has had no success in doing so. It would be a great help if you would help me with the inaccurate information that I upload below. I have been verym stressed and a lot of anxiety and need this to be handled please.
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: U.S. Collections West, Inc. (AZ)

On XX/XX/2019 ; US Collections West , Inc. acting on behalf of XXXX XXXX /XXXX XXXX   placed two credit bureau marks on my XXXX Credit Report. I placed a call to the collection agency and advised them that the debt they are attempting to collect was not valid because litigation has not been completed due to a pending appeal in the XXXX County Superior Court. 

I demanded that they remove the two marks and they refused to do so. I asked for validation of the debt including a signed judgement, from the appeals judge who is currently hearing this appeal, authorizing collection activity. As of the date of this complaint, I have not received any information showing they have a legal right granted to them by the appeals court allowing collection activity. 

On XX/XX/2019 ; I received a call from an agent named XXXX or XXXX XXXX from US Collections West , Inc. and I reiterated that she and her company had no legal right to collect since there is no valid debt. Ms. XXXX the proceeded to tell me that she would get her lawyer to force me to pay, and I was subjected to rude and hostile conduct while I was at my place of employment. 

I have disputed these two credit bureau marks but XXXX keeps reporting the invalid info as valid and confirmed.
Consumer complaint received 2019-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

XX/XX/2019 I was advised the bank was planning to block my account. I have gone into the bank branch and called their Consumer support line multiple times. 

The bank can not or will not tell me why they are going to block my account.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-19
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-03
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: SYNCHRONY FINANCIAL (MA)

I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX DAYS LATE 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.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report. 

Account XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX. 

The list of accounts below has violated my federally protected consumer rights.

The Credit bureaus stated my account was properly reported and investigated but how is that possible if the open date is inaccurate, the last active is inaccurate, payment dates are not correct, and the last reporting date is not accurate. This ground for removal they also violated my rights under :

15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-04-03
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. (OH)

I have two account that I do not recall doing any business with that are showing on my credit report.XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX. This is not the first time I have had this issue. Please forward me a copy of a contract or some paperwork with my written signature on it! Once again request that the credit bureau collect and forward the formal validation within the next 30 days of receipt of this request. Please included any supplemental materials which verify that the account is factual. I would like to see a little more than a summary one-sheet. Instead, I have demanded a substantive validation according to the FCRA. If the credit bureaus cant find it in a reasonable period, any data disseminated from credit reporting agencies must be considered counterfactual.
Consumer complaint received 2019-09-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery Associates, LLC is continuously and repeatedly calling trying to collect an alleged 7-8 year old debt that has long been disputed and removed by all credit bureaus. I have asked the company to stop calling numerous times. 

Dates of recent phone calls : XX/XX/2019 XX/XX/2019 and numerous times before that. 

The company uses a different generic phone number to call so blocking them is useless.
Consumer complaint received 2019-09-30
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: Experian Information Solutions Inc. (GA)

I applied for new Internet and Cable service today. Surprisingly, I was denied. I was so confused when the representative told me it was because of bad credit. When I had my credit pulled I saw things on my report that l knew nothing about. I was advised to call the police and I did, also contacted the FTC. Please delete all these items as they are not mine. XXXX XXXX. XXXX/XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I applied for new XXXX and XXXX service today. Surprisingly, I was denied. I was so confused when the representative told me it was because of bad credit. When I had my credit pulled I saw things on my report that l knew nothing about. I was advised to call the police and I did, also contacted the FTC. Please delete all these items as they are not mine. XXXX XXXX. XXXX/XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX  XXXX XXXX XXXX.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error I Recently checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The DEPT OF EDXXXXXXXX XXXX failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the DEPT OF ED/XXXXXXXX XXXX on a statement. 

As i know the creditor did not notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

The account was paid as agreed and closed. There were not late payments, nor was I notified of payments being late 21 days prior to the account being placed in collection. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, I have already involved and sent this letter to the Complaint portal for ( State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, XXXX XXXX
Consumer complaint received 2019-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I have had issues with the bank before due to credit card transactions and being charged more then once. I have submitted transaction claims claiming that the transaction were authorized but the repeated ones from the same amounts were not. Tha bank file my claims I expressed that I due enroll my debit card on my XXXX XXXX phone because it requires it and when I disputed with them the transactions they closed my card and said that I'm no longer able to use a debit card with them. I still have the account open but that I am no longer able to have a debit card. Why because I'm disputing fraudulent repeated charges from my account? That is wellsfargo.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX DAYS LATE? 

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.
Consumer complaint received 2023-03-19
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. (MD)

In accordance of the credit reporting act the following creditors has violated my rights by publishing my credit cards and consumer cards account as late. 
- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance of the credit Report act, 15 USC 1681 Section 602 state " I have a right to privacy ''.

In accordance of the credit Report act, 15 USC 1681 Section 604a section 2 state " Consumer reporting agencies should not furnish any account information without my written consent ''.

In accordance of the credit Report act, 15 USC Section 1666 B state " A creditor may not treat a payment on a credit card or open consumer account as late for any reason '' Therefore the credit reporting agencies such as Equifax, XXXX and XXXX have violated my privacy right.