davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Experian will not open a dispute I have identity theft.. I received a email from them asking for more docs when called them to ask how to send them they said this Experian explains the law states I can not dispute something thats already been disputed per our rude phone conversation on XX/XX/24 I don't see that anywhere in the FCRA 605. I would like Experian to take the law seriously and delete this item off of my report I have been denied for credit bc of this problem I have uploaded all the supporting docs that they requested in the email in this complaint since they are not providing me away to get them uploaded I will be also contacting an attorney for this matter Thank You
Consumer complaint received 2019-01-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

I have received over 27 emails from XXXX XXXX who is a representative from Midland Funding LLC. From XX/XX/XXXX I received approximately 6 emails. From XX/XX/XXXX I received approximately 6 emails. From XX/XX/XXXX I received approximately 9 emails. From XX/XX/XXXX I received approximately 6 emails. All emails came from the same individual, XXXX XXXX. It is becoming a nonstop issue of harassment.
Consumer complaint received 2018-09-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MO)

XXXX XXXX  XXXX. for breach of warranty under the Uniform Commercial Code.

Final measure in a long term probate case which involved a check written to the estate that was mishandled ; received and deposited into a personal checking bank account instead of an estate bank account. 

Check written XX/XX/2017 to the Estate of XXXX XXXX XXXX deceased in the amount of {$15000.00}. It was received by XXXX XXXX XX/XX/2017 and deposited into a personal checking account.
Consumer complaint received 2018-09-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: URS Holding, LLC ()

Additional documents related to CFPB case # : XXXX It appeared that XXXX charged-off this account, claimed a loss as tax cut, and sold the account to an agency named Alltran ( XXXX ). My recent payment to XXXX was returned, due to a change of payee. See attachment.
Consumer complaint received 2023-08-23
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: Freedom Mortgage Company (TX)

I am refiling this complaint to FREEDOM MORTGAGE CORP for allowing the fraudulent account on my credit report. I filed an FTC report last XX/XX/2023, with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in my credit report.
Consumer complaint received 2021-08-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/XXXX a unauthorized charge was placed on my credit card with USAA. I reported this transaction which I found out USAA refers to as a " dispute ''. USAA agreed with the charge and corrected my account on XX/XX/XXXX. In XX/XX/XXXX, I was told by my home lender that a dispute showed on my current credit reported by USAA. My complaint is USAA or any other banking company should not be allowed by law to report this type of internal process to a third party credit agency. The disclaimer on USAA banking website reads as follows : USAA reports to credit agency, missed payments, defaults, and late payments. In my judgement this type of reckless reporting can result in a adverse action report.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC (SC)

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2022-03-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (OH)

I took out a loan for {$1500.00}. I agreed to 4 monthly payments of {$600.00} in order to protect my credit score as I was getting behind. I have paid {$1800.00} so far for the third month. I called them to check the last payment date I was told I would have to pay another 9 months of {$600.00} if I didnt make the pay off amount. I asked 2 weeks ago what the pay off amount would be I was told approximately {$1200.00} mind you Ive already paid {$1800.00}. I called again approximately 1 week ago the payoff amount would now be around {$1800.00}. I couldnt do that so they will take out another {$600.00} on the XXXX plus I would owe another {$800.00} starting the XXXX which would keep going up daily. I called them to complain and they said that I obviously didnt read the agreement. That would be correct I read some but not all. I went back and found a page showing that they charge % XXXX. I was stupid for not reading all the information however I didnt know that anyone could even charge that astronomical amount. I am very upset about this I dont have much money I am on XXXX  for a XXXX  XXXX and that is a low amount of money to receive. I want everyone to know about these people. I found out they are on a reservation. I thank you for your time.
Consumer complaint received 2022-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I did not consent nor initiate multiple hard inquiries listed on my credit report. The attached identity theft report includes names of companies that I did not consent inquiries for. Hard Inquiries identified as identity theft to include but not limit to the following : XXXX, XXXX XXXX Bank ), XXXX XXXX Bank, XXXX XXXX XXXX ( Finance ), XXXX ( Bank ), XXXX CARD, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-07-05
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: TRUIST FINANCIAL CORPORATION (NY)

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I don't recall authorizing. With the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information. I understand thatyou shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible TRUIST DEALER SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Please remove these inquiries from my credit report immediately.
Consumer complaint received 2018-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (CA)

On XX/XX/2018 I received a promotional offer from XXXX XXXX XXXX whereby if I deposited {$10000.00} into my checking account I would receive a {$100.00} bonus on XX/XX/XXXX. 
I followed the instructions and deposited the {$10000.00} in my account, which remained there for over 90 days. 

I have yet to receive the {$100.00} from Charles Schwab despite numerous calls and requests. This is unacceptable as I could have earned more money putting these funds elsewhere, XXXX XXXX XXXX   can not simply go back on the terms of their agreement and fail to provide the promised bonus.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CO)

Navient is reporting incorrectly to XXXX ; XXXX and XXXX collections in the amount of {$26000.00} and {$54000.00} on the NAVIENT partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. These accounts have been sent to collections and therefore NAVIENT no longer owns this debt. I have attached a copy of the letter from XXXX dated XX/XX/2019 confirming they now own this debt. The incorrect reporting of a collection from NAVIENT needs to be reflected as a {$0.00} balance. This inaccurate reporting of a collection is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2023-08-23
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: TRUIST FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2021-04-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (KS)

This collection agency named Ad Astra Recovery put an collection on my credit report back in XX/XX/XXXX. I have never done business with this company and they are asking me for an amount of {$330.00}. I told them to delete this collection from all 3 credit bureaus but they chose to just send me an inaccurate contract. From XXXX  XXXX-XXXX  XXXX  Ad Astra Recovery was reporting to all the 3 credit bureaus of an amount of {$330.00}, then in XX/XX/XXXX this amount when up to {$330.00} owed on all 3 credit bureaus and also reporting as an open account on XXXX and XXXX  and closed on XXXX. which proves this collection accounts are open when they should be closed and Ad Astra Recovery is adding interest to an closed and inaccurate account. The account number on the contract and credit report are different : XXXX on my credit report vs XXXX on this contract Ad Astra Recovery sent me. Also on the open end loan history They do not even have my full address which is being reported on my credit report with XXXX report which I had to call to dispute for an second address reporting on that report. XXXX told me I couldnt delete a couple old addresses on my credit report because there are accounts connecting to that address. This inaccurate account is one of them.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I have had the worst experience ever w/ XXXX XXXX. I was mistreated so badly that I resorted to contacting you. 2nd call hung up on by a mgr.. 4th call, supervisor just didn't talk for 20 minutes and waited for me to hang up. I will contact every mgr & bureau bc I was I was denied my banking rights
Consumer complaint received 2023-08-23
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: Self Financial Inc. (TX)

RE : 2 Official Notice Of Pre-Arbitration As I have tried futilelly to solve this problem with honor, respect and good faith. You have dodged, disregarded, and dismissed my attempts to amicably remedy the inaccurate, incomplete information that is reporting on my report and file being furnished by your company. As a financial institution per FCRA, and consumer, reporting, agency. The responsibility to correct these errors is also yours. Please be advised that your company is in violation of 15 USC 6801 15 USC 6802 I never gave your company written consent to report my dataZ I was never advised that you would be reporting my data. 

I was never advised of how to opt out of you reporting my data. 

You are willfully furnishing inaccurate, incomplete information that you have been advised that is reporting on my consumer file, and report. I have a right to privacy, your company has not protected my non-public, private information.Please be advised this is a final attempt to correct, and remedy this An issue which your establishment should reasonably correct, and remedy. 
I advised that there were errors, and inaccuracies, in payment history and the blatant disregard for all these factors has us at this pointZ
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MO)

Could not make a purchase using my XXXX XXXX credit card and was informed Comenity closed my account on XX/XX/2018, after I failed to complete numerous demographic verification request. When asked about the request was informed I had not responded to multiple telephone calls and letters since XXXX. I never received any telephone calls or letters even after verifying both were correct. I have contacted Comenity bank at least five times since XX/XX/2018 and was never made aware of any demographic verification request. Through XXXX XXXX I subscribe to XXXX XXXX monitoring and have frozen my credit reports through all three Bureaus to ensure I maintain my XXXX XXXX XXXX. XXXX XXXX alerts have advised the closing of the Comenity credit card will have a negative impact on my credit report. I would like the negative information removed from my credit report as I never received a telephone call or letter requesting a demographic verification.
Consumer complaint received 2019-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2018, my check for the amount of {$710.00} was direct deposited into my bank account that had been closed. Chase Bank told me that the funds were automatically sent back to the payroll company with my job. The payroll company said that they do not have the funds because the money directly deposited into the closed account. I spoke to an agent with Chase Bank that advised me that the check was sent to my previous address and that I should receive the check within 7-10 business days. After the wait, the check was still not received so I called Chase Bank to have the check sent to my current street address. The bank told me to fill out a Declaration of loss cashier 's check and advised to wait 7-10 business days. I filled out the form on XX/XX/XXXX.On XX/XX/2018, I created a new account as well with XXXX and deposited my check for {$950.00} with a withdrawal of {$100.00}. My new account balance should have been for {$850.00}. This account was closed on XX/XX/2018. The agent I spoke with told me that the balance was mailed to my current address and to wait 8-10 business days. On XX/XX/XXXX I called Chase to see where both of my checks were and they told me that they never sent them out to the payroll company or my address because they could not verify where the check came from. It's been almost 2 months and I still haven't received my checks. I'm furious!
Consumer complaint received 2019-01-21
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 have sent several letters since XX/XX/2018 disputing the late payments that's showing in my credit report which is incorrect. I have never been late and always made my payments on time or before due date via phone call to a representative. I have sent certified return receipt letters on or about XX/XX/2018 and again on or about XX/XX/2018. 
with all letters being returned to me stamped Return to Sender Not Deliverable As Addressed, which is the address in my Equifax Credit Report. Also, listed on their webpage and a representative verified the address. They are avoiding me at this point please delete this tradeline which is a violation of my rights and FCRA. 
Please help me.
Consumer complaint received 2019-01-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I met the terms of the offer for {$400.00} after opening and funding a checking and saving account with Citi. The account was opened on XX/XX/18. 

After receiving an email from Citi, I decided to speak with a customer service representative and get an explanation as to why the opening offer had not been credited. I was told that I was not eligible for the bonus though he would not state why. He then proceeded to hang up on me after over 20 minutes of explaining why I had met the offer terms. 

I met the requirements and am expecting my bonus offer of {$400.00} AND then additional compensation for time lost talking to an unprofessional and unknowledgeable rep. 

The terms of the offer are below. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-21
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. (NJ)

This is a written request to verified accounts that appear on m y credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts. 
An FTC complaint could not be filed due to government closure and a police report will be filed soon. 

Thank you.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX and Equifax are both reporting false information on my credit report. My credit report says that the US Bankruptcy Court-XXXX  is reporting That I filed several bankruptcies here are the account numbers # XXXX, XXXX, XXXX, and XXXX. 
I contacted the US Bankruptcy Court-XXXX  about this matter and they gave me a letter stating that they are not and do not report information to the credit bureaus. I sent the letter to the and they said they verified it with XXXX? I reached out to XXXX and they confirmed that my account has been frozen and that they are not reporting anything on me.
Consumer complaint received 2023-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I got a letter from Credit collection services XXXX XXXX XXXX XXXX, MA XXXX This is regarding file number XXXX This charge was falsely against me. XXXX missold a device to me and im happy to return it back, i have not used at all. 
I went to the XXXX  store to return which was not accepted, i called XXXX  to send a return label which was not sent. 
I responded to the collection services with the attached response, still it showed up on my credit rating. 
please help me My old address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX New address is XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Tx XXXX
Consumer complaint received 2023-08-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CO)

I have been working with the home affordable program via XXXX XXXX they have approved me for assistance to bring my account current to this date MR Cooper has not responded to there request for the current amount to bring the loan current I keep getting the run around by MR cooper telling me they have been in contact with the State of Colorado director and the State Director is telling me no they have not responded to there endless emails for the past 6 months I need help or we are going to loose are home at no fault of ours.
Consumer complaint received 2022-08-28
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. (CA)

HARD INQUIRIES I DO NOT RECOGNIZE:
-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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.