davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2021-03-10
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: Phoenix Financial Services LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX COLLECTION SVCS ( Original Creditor : XXXX XXXX XXXX ... PHOENIX FINANCIAL SERV ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX  and Transunion should not be reporting each XXXX  showing on my credit report for auto financing as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are of like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report as only ( 1 ) inquiry. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

I owned a best buy credit card - I have been a best buy credit card holder for the past 5 years and I only have used the card at the store. 

I noticed charges on the card that I have never made to the Citibank. 

All the transaction on the account have been made in New York. I have not made those transaction I live and reside in Florida. 

Can someone please assist me?
Consumer complaint received 2018-07-01
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I opened a direct deposit account with Bank Of America. This is my social security check. When I opened the account they informed me I had to have a savings account - ok ; Then they deduct {$25.00} each month from the checking into the saving =OK. 

Recently I find that they are deducting a XXXX Dollar charge ( {$5.00} ) without my authorization. This has been going on since XX/XX/2017. 

I have spoken with Customer Service, and two bank officers and they inform me that they can not return the charges to my account. 

I received emails from the bank with fraud alerts - so why did they not send me an email about this change. I consider this another form of fraud. 

I want the funds returned to my savings account. 

I appreciate your assistance
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In XXXX, I was saddled with debt that included unsecured credit card debt, auto loans, open revolving accounts. 

From XX/XX/XXXX until now, I have faithfully retired all of the credit card debt except one, paid off an automobile, paid down the second car to {$2000.00}, and continued to pay EVERY debt on time-EVERY debt paid on time. 

However, instead of a steady improving credit score, my credit scores constantly go up and down even when there is zero change in debt load and all payments required are paid on time. 

From the credit reporting agencies, I receive daily requests advising me to apply for unsecured credit cards as a way to improve my credit scores-the polar opposite of what I want to do-acquire more debt. 

This is really a consumer nightmare : to work feverishly to improve credit scores only to receive up and down scores that are inexplicable. 

With a credit reporting system that hustles for credit card companies and does not reward debt reduction and on time payments-repeatedly, a consumer does not stand a chance. I am trying to qualify for a mortgage and for some reason unknown to me, my credit scores are not improving. Why? 

Please investigate and note my payment history since XXXX until now and tell me why my credit scores do not reflect my on-time payments and debt reduction.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX I XXXX XXXX personally sent a letter saying there are wrong and unknown things on my credit report. It has been over 30 days later I have not received a response from anyone yet. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. I don't understand why i am being treated and ignored of my disputes. I learned that failure to look into these items within 30 days gives a reason to quickly remove those items from my credit report it has been over 30 days so they should be deleted promptly. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-10
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Y XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$820.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$820.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account XXXX XXXX {$850.00} Date XXXX Dispute
Consumer complaint received 2022-02-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: KEYCORP (IN)

Please see attached document / note from our boat AND trailer loan. 

We have been requesting the title for both of these items for over TWO YEARS. 

Why is this confusing for the CFPB and for Keybank? 

We have made multiple complaints, all unrsolved. 

This company financed BOTH the trailer and the boat for us, we paid it off, we need the title for both the trailer and the boat. 

We have been sent the boat title twice. 

Send the title to the trailer, we have a letter from Keybank stating they did not finance the trailer so that is a lie. 

What is the CFPB going to do regarding situations like this, we deserve compensation for this situation and want the name, address, phone for the registered agent for Keybank and the title to our boat.
Consumer complaint received 2019-10-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I sent in a complaint regarding the lowering of my credit score by 22 points. Complaint # XXXX. I received a form letter today that does nothing to resolve the issue. I contacted Experian again and was told to ask about Negative reporting factors. I spoke with XXXX from Experian and she told me that what is reported on my report is : Non Activity on a Non Mortgage Loan. I ask her which lender reported this and she told me she could not see the name of the lender and therefore could not give me that information. THIS MAKES NO SENSE!! Experian has to know who the creditor is that reported the negative factor. If they do not know who reported the Non Activity on a Non Mortgage Loan then there should not have been a drop in my score by 22 points. Experian can not lower a  credit score with out a legitimate creditor reporting a change. 
Creditors pay to report to Experian, therefore they do know who the creditor is. 
I have every right to know who reported this on my credit in order for me, the consumer, to dispute this factor. I am requesting this information. 
If Experian can not give me the information I am requesting then Experian needs to rectify the situation and raise my credit score back up from a XXXX to an XXXX. 
I DO NOT NEED ANOTHER CREDIT REPORT SENT TO ME along with another form letter. All information on my report is correct. I have had a freeze on all 3 Bureau 's since XX/XX/2017. No one can get into my credit with out me unlocking it. Nothing has change, I have not opened or closed any new accounts. My credit limits have not resin. Again, NOTHING HAS CHANGED!! I am requesting Experian mail me the creditor information that is linked to the NON ACTIVITY ON A NON MORTGAGE LOAN FACTOR. I was told there is nothing else on my credit but this factor that is lowering my credit score. On a side note, XXXX  and XXXX have not lowered my score at all. I have an XXXX on XXXX and an XXXX on XXXX. I will also repeat what was said in the previous complaint. I think Experian is lowering scores so consumers will use their boost app. When I logged on to my Experian acct it noted that if I put information into the app it would raise my score 16 points. Again, a score that should not have been lowered in the first place. Please have Experian send me the lender information ONLY that is attached to the negative factor on my report.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Colony Brands, Inc. (NJ)

THE CREDIT CARD IS XXXX, XXXX ACCOUNT # XXXX SAYING DATE OPENED XX/XX/XXXX DATE CLOSED AND CHARGED OFF ACCOUNT XX/XX/XXXX. I HAVE DISPUTED THIS ITEM WITH XXXX  WITH NO RESOLUTION. THE CREDIT CARD AGENCY HAS A BALANCE AMOUNT OF {$550.00} AND PAST DUE {$180.00}. I NEVER OPENED THIS CARD AND I HAVE BEEN TRYING TO RESOLVE THIS ISSUE AND XXXX 'S KEEPS INSISTING THIS IS MY DEDT. IF THIS BILL IS OVER 6 YEARS OLD HOW COULD MY PAST BALANCE DUE ONLY BE {$180.00}. XXXX HAD THE BREACH I DONT KNOW IF THEY STOLE MY IDENTITY AND CREATED AN ACCOUNT. I WANT THIS OFF MY CREDIT REPORT BECAUSE ITS NOT MINE AND XXXX HAS NO CREDIBILITY. 

THANK YOU XXXX XXXX XXXX XXXX XXXX, XXXX WI XXXX XXXX
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, I had a notification from the XXXX XXXX department  that there was an online transaction that was blocked as it was an out-of-state transaction. 

Then I noticed that my debit card was added to XXXX XXXX XXXX, which I do not use in the first place, as my devices are only XXXX based. Then I saw that there were multiple transactions being done from ATM withdrawals using the XXXX XXXX wallet from my account. 

There are three transactions of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  done on XXXX XXXX. I called the bank and asked them to close the debit card and issue a new one, in addition to removing the digital wallets my card was associated with. 

Then on the next day, XX/XX/XXXX, there were similar transactions made out of a new debit card to which I had no access, but linked to my account. The transactions were XXXX $ and XXXX $ each. 

I specifically pointed out to the Chase team to block the digital wallets and filed claims stating that the wallet used was nowhere related to me. But then, the claims were rejected stating the fact that they were digital transactions made through a tokenized system. 

The point here is the transactions were not made by me and the bank has a pretty poor response that it was not their responsibility. I feel scammed by the bank as it was supposed to have better security.
Consumer complaint received 2022-02-25
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. (NE)

In XX/XX/2022 I started a dispute with Experian letting them know that they are reporting several accounts and addresses on my credit report that I have no knowledge of. I also let them know that they were reporting addresses that never belonged to me. Experian never validated the debt and never updated my addresses to remove addresses that I've never lived at. I requested that they remove addresses XXXX XXXX XXXX XXXX XXXX NE XXXX XXXX XXXX XXXX XXXX NE XXXX. 
I reported that I did not recognize several accounts and asked them to verify that I opened these accounts with my own signature. The accounts are as followed 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} They did not investigate properly nor did they validate this debt with my original signed document opening these accounts.
Consumer complaint received 2018-07-01
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)

Fraudulent loans was opened using my identifying information and I contacted the companies and credit reporting agencies with disputes also I and sent FTC and police reports to companies and credit reporting agencies as requested and I'm still having the same issues.
Consumer complaint received 2022-10-09
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-06-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX incorrectly charged my Huntington checking account when making a purchase ( I was never prompted in XXXX to select the account to charge, and they didn't use my default payment method ). I called XXXX to resolve the issue, but they informed me that they could not refund the amount charged and that I needed to dispute the ACH transaction with my bank. 

I called Huntington to dispute the ACH transaction. I was out of the country for a week and Huntington has cancelled the dispute since I was unable to respond fast enough. I have provided the requested paperwork and called, but the overdraft fees and the ACH dispute still haven't been resolved.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

The two times I borrowed money from the institution XXXX XXXX XXXX, I happen to look at my credit report and its says on there that Ive been 30 days and 60 days late with XXXX XXXX XXXX when I havent been late even one time. 

Late 30 days on XX/XX/XXXX Late 30 days on XX/XX/XXXX Late 60 days on XX/XX/XXXX Late 30 days on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not accurate status and not our responsibility from XXXX XXXX  during COVID-19 in XXXX and should not have been placed on my credit file. This account is also a joint account and removed from my husband 's Experian but remains on my file. Please remove. 

Also XXXX XXXX XXXX hollow is now removed on my XXXX and XXXX because it was included in my XXXX bankruptcy in addition I have not owned timeshare since XXXX. Please remove.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (AZ)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 3 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information, which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

Account name : XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX. Account number:XXXX Account name : XXXX . Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX XXXX XXXX . Account number : XXXX Account name : XXXX XXXX XXXX . Account number : XXXX Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX. Account number : XXXXAccount Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX . Account name : XXXX Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AR)

Hello Im contacting you today to ask for help with a issue with my credit card company. I received a letter from Synchrony Bank in regards to my credit account for JcPenney which I have had since XX/XX/XXXX when I opened the account in store. They gave me a XXXX credit limit which I have made my payments each month. We are now 6 months later they are claiming due to a recent review of my account they reduced my credit limit from XXXX to XXXX I currently owe XXXX which made it look like my card was almost maxed out when in fact it wasnt my next payment due is XX/XX/XXXX I just made an extra payment to lower my balance by XXXX then I received this letter yesterday XX/XX/XXXX it was dated for XX/XX/XXXX there is nothing going on with my account for this review. They lowered my limit stating based off a internal creditworthiness scoring system my 1 ) Lack of Real Estate Secured Loan information. 2 ) Balances on accounts compared to credit limits and loan accounts, 3 ) Not enough balance paid down over time on student loans, 4 ) Too many inquiries. The score they reflected of XXXX which is not my current score as of XXXX XXXX or today on any credit reporting agency my score is actually higher and all my credit card balance have been reduced, including my student loan amounts. When I spoke to the manager XXXX at XXXX she informed me the score was not ran through any of the 3 Credit agencies it was done in house. My score was not determined from a credit agency and the information is inaccurate so why was my limit reduced? I need to find out if they broke the law and violated my consumer rights. When I initially called they representative would not allow me to speak to a manager after several requests she put me on hold for over XXXX minutes then a manager comes on the line.
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XX/XX/2018, I redeemed XXXX points to receive a {$26.00} cash back credit to my account. The credit was never applied to my account. I do not intend to use this credit card after this billing cycle. I called customer service and spoke with two people, neither of whom was able to help me.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The two times I borrowed money from the institution XXXX XXXX XXXX, I happen to look at my credit report and its says on there that Ive been 30 days and 60 days late with XXXX XXXX XXXX when I havent been late even one time. 

Late 30 days on XX/XX/XXXX Late 30 days on XX/XX/XXXX Late 60 days on XX/XX/XXXX Late 30 days on XX/XX/XXXXXXXX XXXX