davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2023 a payment deducted from my bank account for {$860.00}, which was the f balance owed on my Barclays Old Navyist card. I called to have the payment returned to my account as I was only trying to pay {$86.00}, the minimum payment. 

My bank declined the first transaction and Barclays assured me they had returned the payment. The payment was returned however in the course the {$860.00} being returned, a day later Barclays made a second attempt and still ended up collecting the {$860.00} from my bank account. 

I went back and forth with the company to try and explain the amount was not in my bank and sent them verification from my bank. After not getting anywhere with XXXX 's I submitted a dispute with my bank and the amount of was returned. 

However, in the course of this, Barclays is now showing my account balance of {$1800.00}. Of which I have not spend. My original credit limit was for {$900.00} and was dropped to {$250.00}. I have not spent this amount on the card. 

I called Barclay 's again in XX/XX/2023 to dispute this and they have yet to resolve the issue. 

It appears they have charged my account for the returned payment and stated it was purchases, which is not true. It has now begun to affect my credit. 

The statements attached in XXXX show no purchases. The XXXX statement shows a purchase for {$860.00} with the caption of unknown authorized user. No purchases and no explanation has been given by them nor are they willing to look into my complaint.
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (TX)

Sent Mortgage payment to PHH Mortgage and they are not applying payment my account as a monthly payment. I have contacted the company numerous times and I told the payment is in principal and that they will reapply it correctly. They have not after numerous attempts and my account still reflects past due. When I request to speak to a supervisor for assistance I am put on hold and forgotten about. I have stay on hold for hours and no response and even get disconnected.
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous account that needs to be investigated and corrected : XXXX XXXXXXXX XXXX Balance : {$760.00}
Consumer complaint received 2018-02-23
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: Bread Financial Holdings, Inc. (CA)

I contacted XXXX XXXX, specifically regarding a late payment in XX/XX/2016 on my XXXX credit card, while they were very friendly and did their best they were not able to resolve the issue as their records could not go back further than 2016, I would like to have this late payment removed as I have had this card more than 10 years and other than the one incident, which was due to bank fraud prevention measures being put in place that required me to update and change some banking information, I have had a perfect payment history, Literally 1 missed payment in over 10 years with this card as well as all other cards. I have set up automatic payments to prevent any future missed payments. I take my credit responsibility very serious and would be extremely grateful to be able to remove this nasty blemish on my history. I've had some rough responses from creditors lately after seeing this one 30 day late and its been severely hurting my chances at the best options available. I absolutely appreciate the time taken by the CFPB and XXXX to look at this issue. Thank you both for your time.
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have received a XXXX XXXX from a monitoring site. XXXX to an address that was linked to my credit report that I have no recognition or any knowledge about this address. 

Alert Date : XX/XX/2024 Source : Trans Union A new address has been reported in connection with your credit file. If you have not recently shared this information with a creditor, contact customer service to investigate. 
Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like this investigated and removed from my credit profile and account. I am not nor have I ever been associated with the above address.
Consumer complaint received 2024-03-04
Product: Credit reporting 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. (CT)

Dear Trans Union RE : Auto dealer Inquiries I am writing about car dealer inquiries date XX/XX/2023. The two inquiries are to be deleted from my credit report are the following : XXXX XXXX XXXX XXXX These two inquiries are non-permissible because the only inquiry that I have an actual account with is XXXX XXXX 

Pursuant to the FCRA, the term permissible purpose is the actual account in relation to the request or the expiration thereof. Dealer inquiries are to be removed because they are considered one inquiry per the credit grantor although multiple requests were states as " soft Inquiries. '' You must delete these two inquiries from my file due to absent written authorization required by law. XXXX XXXX  and XXXX XXXX on XX/XX/2023. 

Regards, XXXX XXXX
Consumer complaint received 2019-06-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: KEYCORP (CT)

On XX/XX/2019 I tried paying my flood insurance by electric check. THE XXXX XXXX   TOLD ME THAT Keybank paid the fee already on XX/XX/2019 and the payment was not due until XX/XX/XXXX which resulted in my mortgage being increased from {$1000.00} to present monthly amount of {$1100.00}. KEYBANK INFORMED ME TO PAY THE FLOOD INSURANCE MYSELF WHICH I DID FOR THE ENTIRE YEAR.The Bank was deducting {$38.00}. I tried to pay my flood insurance XX/XX/XXXX and XXXX informed me that the flood insurance was paid by Keybank. Then I found out that the Keybank was charging me a monthly fee for the flood insurance. ( see letter from KEYBANK ) .Keybank blocked me from paying my flood insurance on time. 
My complaint is that the bank had no right of paying my flood insurance on XX/XX/XXXXXX/XX/XXXX without my knowledge. When I called to pay my flood insurance I was told the bank paid it and then raised my loan amount. I went to see XXXX XXXX Vice President on XX/XX/XXXXand XXXX XXXX Branch Manager previously and XXXX informed me that he would take care of the problem but he didn't.
Consumer complaint received 2019-04-19
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 applied for an XXXX XXXX credit card through XXXX XXXX XXXX. 
i was denied as it stated " I was currently or have recently been enrolled in a consumer credit counseling service or reduced payment plan ''. That is not me, but my ex husband. 
The report was through experian.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I had XXXX account which I was using and paid on time and never reported to 3 credit bureau. It was like secured all of a sudden from no where it showing on my credit report and score was effect too! I contacted the XXXX I was told when synchrony bank take over it started reporting on credit report without customer informed or knowledge they know about it but can not help so my complain is why they playing with consumer life without letting them know and their score are on jeopardy. So my prayer is that it should remove from the credit report so that consumer can be stress free and they can get back there score up!
Consumer complaint received 2021-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC (GA)

I disputed this account i saw on my credit report. The credit bureaus said it came back accurate and that this company certified this collection debt was in fact correct with out providing me the proof requested. At this point im being taken advantage of because i do not know who these people are, i never dealt with them and know they are demanding i pay for something i have no knowledge of.
Consumer complaint received 2023-07-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (AL)

When I first joined the United States XXXX I received a loan from OMNI FINANCIAL they set up auto payments thru allotments, I was having pay issue which I wasnt getting paid so of course if I cant paid neither can they but this was due to finance department not on my behalf, I recently started checking my credit report and noticed they are reporting charged off account of {$3600.00} with a PAST DUR BALANCE OF {$7300.00} now if not mistaken a account can not be REPORTED PAST FOR IF ITS CHARGED OFF VIOLATION OF FCRA and XXXX .. also noticed that they violated another enforcement by recovering payments via allotment The Bureau is authorized to implement and enforce Federal consumer financial laws, including the Consumer Financial Protection Act of 2010 ( CFPA ), for the purpose of ensuring that all consumers have access to markets for financial products or services and that those markets are fair, transparent, and competitive. Among other things, the CFPA prohibits unfair, deceptive, and abusive acts and practices in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. 12 U.S.C. 5531, 5536 ( a ) ( 1 ) ( B ).
Consumer complaint received 2020-09-25
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. (TX)

Dear Experian, I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate
or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 Creditor : XXXX XXXX Inquiry Date : XX/XX/2020 Creditor : XXXX XXXX   XXXX Inquiry Date : XX/XX/2020 Creditor : XXXX XXXX   XXXX Inquiry Date : XX/XX/2020 Creditor : XXXX XXXX Inquiry Date : XX/XX/2020 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NY)

To whom it may concern, I trying to pay my credit card Chase Sapphire Preferred bill using the remittance coupon from the bottom of my credit card statement as a conditional acceptance 15 U.S. Code 1693o1 - Remittance transfers I also got a credit line decrease back in XXXX XXXX from XXXX to XXXX I was suppose to receive a letter stating the reason for decrease but I never received one.
Consumer complaint received 2023-07-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (MA)

They called me. I contacted my insurance company about the bill and my insurance company told me that they made a mistake due to incorrect or missing information from the hospital. They told me that they would resubmit the claim. When I informed the collection agency they told me that they could not resubmit it since they now have the info and the hospital has no info on it.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update the correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on several dates XX/XX/2023, XX/XX/2023, XXXX.Transunion, XXXX and XXXX have completely disobeyed FCRA, they have not removed personal information that needs to be removed immediately such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX. 
I am begging that you rove the following accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. So, I am requesting that all of this inaccurate information and mistaken identity be removed for my credit report immediately.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (FL)

In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account numbers : XXXX and XXXX has violated my rights. 
15USC 1681-602A states I have the right to privacy.

15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CENTRAL BANCOMPANY, INC (MO)

On XX/XX/XXXX, I entered into a consumer credit transaction with a marketable security in the form of a XXXX with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX of XXXX XXXX XXXX XXXXccording to US Code 1602 ( i ). Section 15 of the Securities Exchange Act of XXXX makes it unlawful for any broker dealer to purchase, sell in effect transactions in securities using the means of instrumentalities including Promissory Notes of interstate commerce unless they have been registered with the SEC. Neither XXXX XXXX XXXX XXXX or XXXX XXXX are registered with the SEC. XXXX XXXX Bank accepted a negotiable instrument, converted it to a Promissory Note, perfected it and attached security interest to my vehicle VIN XXXX and forged my signature to a Promissory Note without my permission. 

Central Trust Bank issued a 1099c Cancellation of Debt and placed a tax liability upon me, but refused to cancel the Promissory Note that was never signed by me. A Promissory Note must be signed by the borrower for it to become valid. My name and collateral interest was forged to assign a lien to my property which is a violation of 18USC 641.

Central Trust Bank entered into a XXXX loan with XXXX XXXX XXXX XXXX not me. I have sent Central Trust Bank and XXXX Imports, a revocation of security interest in the vehicle as well as a Billing Error Notice and request that Central Trust Bank properly tender this Promissory Note as sent in the Cancellation of Debt and remove their security interest. 
This transaction is fraudulent and I ask the CFPB to intervene and protect me consumer rights.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to you with an escalating sense of frustration and urgency regarding the unresolved fraudulent accounts that continue to plague my credit report. Despite previous disputes and my unwavering efforts to provide substantial evidence of the fraudulence of these accounts, I am appalled to see that they persist. This situation not only tarnishes my creditworthiness but also places an unjust burden on my financial stability. 
Account Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that the process of investigating disputes may involve thorough scrutiny, but it is critical to emphasize that these accounts are the direct result of identity theft. As such, I bear no responsibility for the debts incurred under my name. I have submitted disputes, complete with comprehensive supporting documentation, identity theft affidavit, and all correspondence with the fraudulent creditors. Copies of my identification for verification have also been provided. 
The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies act fairly and promptly in response to disputes. The continued presence of these fraudulent accounts on my credit report is unacceptable, causing not only financial distress but also violating my rights as a consumer. I demand that you take immediate and aggressive action to investigate and delete these fraudulent accounts from my credit report.
Consumer complaint received 2023-07-18
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. (CT)

A company requested my credit report on XX/XX/2023 when they should have not. They are suppose to call me to confirm with my Phone number. I did not apply For anything from this company to even request this. I am not sure if this is fraud. I will also report this to the ftc. The three credit bureaus should not have authorized anyone to pull my credit. Usually I get a phone call. I notice my old address from 5 years ago showing up. I have try to get this removed. has not Removed inquires that were on my credit report I am not sure were this is from.
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

When closing on mortgage with Wells Fargo, I was given the option to pay bi-monthly. I mistakenly understood this to be an 'every two week ' option which would, to my understanding, reduce my principal more rapidly over time and allow for savings. 

In fact, selecting a bi-monthly payment plan would result in a net loss to me and a net gain to the bank by allowing them to hold half of my monthly payment in advance of applying it to my loan and thus reap the 'carry '. 

It seems predatory to offer such a payment option without providing specific counsel that it ( 1 ) has no clear advantage to the payer and ( 2 ) actually can be viewed as carrying a disadvantage.
Consumer complaint received 2019-04-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/2019 I was called by a debt collector 23 times in one day! Some within minutes of each other. Daily these calls start at XXXX XXXX which is illegal. They use multiple numbers to harass me all day long. Ive tried blocking the numbers but they keep robo calling with fake numbers.