davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I get a credit to be paid in one year without interest to do a dental job on XX/XX/XXXX. I was sending my monthly payment to XXXX for my XXXX XXXX XXXX Credit card, and I sent my last and pay in full payment on XX/XX/XXXX to prevent any interest. ( Check XXXX number XXXX, bur XXXX XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX TX XXXX, still sending me bill to pay " previos Balance '' all ready paid. I send them a letter but they say that I mus paid interest from the credit. 

Please help me to resolve this problem and their abuse, because I do not have any balance with them Thank you so much XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-16
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I presented a Lost Check Bond to the bank, as they refused to issue a new cashiers check to replace a check that was lost. They said I could not have the check replaced without this bond. After waiting days the bank never contacted the maker or myself about the new check that was to be issued. He, the maker, waited for 2 hours in the bank and was told to " go home ''. 2 days later we found the check. 

We contacted the bank to get our " original bond documents '' back, a pretty simple task just put them in the mail, and they have refused to return calls or return the bond. 

Lost Cashiers check # XXXX Contact at the Bank of America : XXXX XXXX : Phone Number XXXX Bank of America XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-07-26
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. (AL)

XXXX, equifax, XXXX  will not remove a fraudulent  charge off account that was opened using my social security number. My wallet and tablet was stolen out of my car and later that month a installment loan, along with a buch of inquires for request for credit cards was opened using my social security number. The account was opened XX/XX/2018. Amount {$310.00}. The company is XXXX  XXXX. I have sent them a police report for the fraudulent activity and they still will not remove the negative information. I have been disputing this account for over a year now without any luck. Why am I suffering for someone else 's wrong doing? It's against the law for them to report negative, fraudulent accounts. I need this account removed. Each time I disput this account I ask for some kind of documentation liking this account to me. They always send a letter back verified without any signatures, drivers license, or some kind of contract agreement. I never had a account with these people, nether have I ever defaulted on anything. I have perfect payment history and pay all my bills and credit cards on time.
Consumer complaint received 2021-03-10
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 found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been well over 60 days. I have not received anything from Equifax regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

I have had multiple credit cards, bank accounts and even a mortgage in my name. I am now buying a new house and my lender is unable to get a credit report from Equifax. I called Equifax and the incompetent service rep says there is no record of my social security number and that I have to send in a bunch of information so they can open a credit report file in my name. I explained that I have a credit report file already as it was pulled a year ago by XXXX XXXX and I have multiple credit cards, bank accounts and even a mortgage. The service reps were unhelpful and have sent me on a wild goose chase  which is now endangering my chances of purchasing my new home! Please help!
Consumer complaint received 2019-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

There was an account opened under my name some time in 2017, the original creditor was XXXX XXXX XXXX, it has now turned into a collection agency with a company named I.Q Data Internatio XXXX XXXX   XXXX, XXXX, WA XXXX. I have tried disputing this information with XXXX, i have filed an identity theft report, filed multiple disputes on this collection account. And they still won't remove it from my credit report. I even tried calling the collection agency my self, and they were nasty rude people, they did not care about anything else but their money, even when i told them that it wasnt my account.
Consumer complaint received 2019-06-28
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. (NC)

I recently got my three credit bureaus report online and after review my credit report there was no score attach to the file and there was a few errors on my credit file as well. I reach out the the credit bureaus about this issue but they were cooperative in helping me resolve these issues on my report. Rather they recommend me to call the creditors myself, in which I did and they told me for all the errors that I saw on my credit file they have reported the correct information to the credit bureaus 60 days ago.
Consumer complaint received 2019-10-16
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. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-16
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. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (FL)

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried numerous times to have this situation resolved with no resolutions.. REMOVE THIS NEGATIVE ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. KIKOFF LENDING LLC CLPBUT****
Consumer complaint received 2019-10-16
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)

THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT FILE. THOSE ACCOUNTS ARE UNAUTHORIZED AND WERE INACCURATELY PLACED ON MY CREDIT FILE. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS AND INQUIRIES OFF MY REPORT.
Consumer complaint received 2019-10-16
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. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION CONSUMER INTE REQUESTED ON XX/XX/2020, XX/XX/2020 XXXX  XXXX  XXXX  VIA XXXX  XXXX  REQUESTED XX/XX/2020 XXXX XXXX XXXX VIA XXXX XXXX XXXX REQUESTED XX/XX/2020 I HAVE NEVER DONE BUSINESS WITH THE COMPANIES LISTED ABOVE, DIRECTLY NOR INDIRECTLY .I LIVE IN FLORIDA WHICH I IS REFLECTED ON MY 2 CREDIT REPORTS ( WHICH XXXX  WOULD NOT LET ME REQUEST ) ACCOUNT HOWEVER I AM NOT AWARE I HAVE MADE A COMPLAINT AND I WILL BE CALLING DIRECTLY IT WAS PREVENTING ME FROM GETTING PROPER HOUSING. 
MY NAME IS XXXX XXXX PLEASE REMOVE ALL THE MIS SPELLING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX unknown
Consumer complaint received 2019-10-16
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)

THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT FILE. THOSE ACCOUNTS ARE UNAUTHORIZED AND WERE INACCURATELY PLACED ON MY CREDIT FILE. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS AND INQUIRIES OFF MY REPORT.
Consumer complaint received 2020-12-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I NEED THE CFPB 'S HELP. I 100 % feel neglected by XXXX, XXXX, and Equifax. I have sent all of them a letter including all the accounts that were unverifiable, invalidated, inaccurate, and questionable. I still have yet to receive a response.It 's been over 60 days. I need the accounts to be deleted immediately. All three bureaus are in violation of the FCRA.
Consumer complaint received 2019-10-16
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (FL)

My problem is with a Frontier Airlines MasterCard. On XX/XX/XXXX I noticed charges for {$850.00} from XXXX XXXX and a charge for {$53.00} from XXXX XXXX XXXX. on my card statement online I check my account everyday. I immediately contacted the credit card company to report these as fraudulent charges. They said they would investigate. Today, XX/XX/XXXX the charges were again posted to my account. I again immediately contacted my credit card company. They said the charges were correct. They had proof that I had made the purchases. I explained that this was simply not true. I wanted to know what proof they had They said these were tickets purchased that were send to me with my name and mailing address, This is a complete lie. I never received any tickets, as I did not make the purchase. When I ask them to verify the name and address they were sent to, they would not do this. I have filed a police report and again disputed this charge. I contacted XXXX and put a fraud alert on all of my credit accounts. This issue needs to be resolved I did not make these charges. I was told to contact the merchant, but this is impossible, because when I call them they want an order number, which I do not have Or then they want my email address, which they say does not match anything on their records. Then they want my zip code, which again they say does not match So what I want to know is what proof does my credit card company have, I do not plan on paying for these fraudulent charges.
Consumer complaint received 2019-10-16
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. (IN)

LET ME KNOW THE REASON AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX CO IS STILL REPORTING ON MY CURRENT CREDIT REPORTS. THE ACCOUNT IS FROM 2015 WITH NO BALANCE AND IS REPORTING LATE PAYMENTS OF 90 DAYS. PLEASE TAKE THE TIME TO INFORM ONTO WHY THE ACCOUNT IS STILL ON HERE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING IT, AND NOTHING HAS BEEN DONE ABOUT IT.
Consumer complaint received 2019-10-16
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. (IN)

LET ME KNOW THE REASON AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX/XXXX XXXX IS STILL REPORTING ON MY CURRENT CREDIT REPORTS. THE ACCOUNT IS FROM 2015 WITH NO BALANCE AND IS REPORTING LATE PAYMENTS OF 90 DAYS. PLEASE TAKE THE TIME TO INFORM ONTO WHY THE ACCOUNT IS STILL ON HERE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING IT, AND NOTHING HAS BEEN DONE ABOUT IT.
Consumer complaint received 2020-09-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (TX)

Ive contacted Barclays on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX trying to pay off a supposed debt on my credit report. They told me the account was charged off to XXXX XXXX XXXX, however, when I call them they tell me the account was recalled by Barclays last year at or around XX/XX/XXXX. When I call I call Barclays they dont seem to find my account. Ive been put through processes where Ive had to wait for 7-10 business days to find my account. I called the second time and they said no one had updated the previous request and that she would put in a second request for their back office find my account, and now I have to wait another 7-10 business days. I call back today, the account manager manages to send me to the correct department, I felt like I finally had gotten somewhere - that Barclays wasnt a scam-type of company. I tried to take the settlement offer their collection department tried to draft for me. I asked for pay and delete and for a lower amount, and was denied the request after she stated the settlement offer was generated automatically based on the amount owed, and that she couldnt make any exceptions. I was okay with this as is expected with a lot of creditors. Then the funny business started. She asked me if I wanted to spread the amount over a few months, to which I replied no that I was going to make the payment in full over the phone. She sounded disappointed and told me she would not take my payment over the phone, that I had to mail it in? I tried telling her that was not possible for me. She said that because my account was charged-off that she couldnt take a payment on it. I dont understand whats going on here, I dont like it, payments can get lost in the mail and it also delays the time in which the collection is reported pay in full ( extra days for mail delivery, extra days to post the payment, then process the actual change on the account ). She stated this was the ONLY way that I could make a payment, and asked me how I wanted to proceed? Excuse me? Im trying to pay you a debt that you received a tax break on a few years back, and now you dont want to take my money? Are they trying to divert funds into other accounts on the back end? I dont get it, she refused to help me or provide me a resolution, told me she would update the account with my comments, and hung up. I can not believe that in XXXX a CREDITOR BEING BARCLAYS US CARD COMPANY can not take a payment from me via a credit card. Even Collection Agencies take credit card payments. Extremely frustrating as a young person trying to get a mortgage. I understand the ramifications of not paying a debt, but companies should give customers a break, especially during THE COVID-19 pandemic, and to someone who was laid off and still trying to meet their financial obligations,
Consumer complaint received 2022-02-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY (SC)

This is related to my XXXX  XXXX XXXX, that I purchased from XXXX XXXX in XXXX, SC. It is financed through TD Bank Auto Finance. I have fallen three payments behind and have the means to get a payment plan, to bring the account current. However, TDAF will not negotiate, instead they have 5 or 6 undercover cars following me every day since the third week of XXXX. On XX/XX/XXXX, they broke into my vehicle illegally, and stole my expensive XXXX cell phone -again, an illegal act. Now I got word over my computer that they have used the XXXX XXXX cell phone to access my work email. This work email contains highly sensitive info on clients with the South Carolina XXXX XXXX XXXX XXXX. All around, outrageous behavior. Not to mention driving their loud, ugly cars through the neighborhood all hours day and night. 
No phone right now ( TDAF repo goons have it ) so send email to : XXXX Signed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX.
Consumer complaint received 2019-01-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: OLD NATIONAL BANCORP (IN)

We've noticed twice now our bank Old National back dating checks and shuffling things around to allow them to charge more overdraft fees. We had to write one large check in XXXX and knew it would cause an overdraft fee, instead of that check causing a fee the bank shuffled our transactions then backdated and put the check transaction at the bottom enabling them to charge hundreds of dollars in fees. Over the course of 30 days we've incurred over {$760.00} in overdraft fees due to transaction backdating and shuffling plus a {$100.00} fee from our quickbooks payroll because our direct deposits that are processed are always cleared on Fridays were kicked back into a pending status AFTER clearing and posting.
Consumer complaint received 2019-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (FL)

On XX/XX/XXXX I called credit acceptance because I noticed the last bit of my payment didn't come off on the XXXX like it usually does. I didn't think much of it at the time, thinking it would charge me the next day. Not until I checked my credit report and noticed I dropped 56 points. The company had marked my XXXX payment as 30 days late when not even a day has passed. I called on the XXXX and was not even able to get an answer to how this happen. They just wanted me to pay what was due which was XXXX and some change. The first gentleman didn't even try to listen to me stating my payment was XXXX, and once I paid this off the account would be closed. I finally got to send a dispute on behalf after questioning it several times. I had questions on how this can happen, and he absolutely refused to help me what so ever. Just trying to get me to pay despite my understanding it should have been taken out of my account already. I finally went to pay over phone and there was a fee attach to pay over the phone. So not only did they drop my credit score for a payment that was never late, but they wanted me to spend extra to pay what was left. I called to get a person again, and once more had trouble getting any help. The woman stated my auto pay was canceled and said I must have canceled it. Which is not true. When it was set up I was told it would go until I didn't owe anymore. Again it was hard to get any answers out of her. When I asked about me getting marked late she said I've been late on my payment which is not true. I had one late in XX/XX/2016 which I quickly cleared up. In almost 3 years I've been on top of payments and not once was I ever told I was behind. She remarked saying I rarely called and I let her know I didn't have a reason to call. My payments came out on time with no worries all 3 years. Honestly I'm extremely frustrated because I've been working so hard to get my credit up, and at the whim of this company they decided to mark me late for no reason. Then when I try to get an answer I get no help just saying to pay the rest to close the account. Then the real kicker is make me pay a small fee to pay off the rest of my account. The money isn't the issue here. It '' s the fact that the customer service was utterly lacking and has an impact on my credit score. If I try to finance a car again, and it had to be with this company again. I'll just take an uber until I can pay the car off fully in cash. 

P.s I'm adding screenshots to show how I've been on time for 3 years. How this has affected my credit score. Proof that I paid the remaining amount off. I dont have my bank statements included because I'm not sure if you wish to dig thru 3 years of bank statements, but I will be happy to provide that if it comes down to it.