davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

1. XXXX XXXX charged my credit card without my knowledge. That time I followed XXXX  XXXX 's instructions to send the documentations for disputing the charges. The Bank claimed the paper lost. They refused to process the dispute. 
2. I called the card lost in XX/XX/XXXX. Then I never activated the card. 
3. In XX/XX/XXXX XXXX XXXX sent us Email for updating the payment information because the original XXXX card is no longer active. 
4. XX/XX/XXXX XXXX XXXX  billed us again from XXXX XXXX of XXXX. 
5. XXXX XXXX does not have my new card number. 
6. XXXX XXXX leaked my information to XXXX without my consent. 
7.It 's true that there are two other people that are authorized to use the card but they have no dealings with XXXX XXXX but me the primary user of the card. 
8. What I don't understand is how could XXXX XXXX have my new card number if I never activated the new card that XXXX XXXX sent me. XXXX XXXX tried to used my old account number on file and there was a Payment decline-Order on Hold ( XXXX # XXXX ), so they emailed me on XX/XX/XXXX asking me to update my payment information. I never responded and yet they got a hold of my new card that wasn '' t activated. I believe that XXXX  XXXX  was the one that gave them my information without consent and authorization.
Consumer complaint received 2019-04-22
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. (CA)

there are several account reporting under my credit file, on the equifax credit bureaus agency, these are fraud accounts i did not apply nor given permission to anyone to inquire or apply to these inaccurate accounts and fraud accounts, i have written before and i will write again in order for me to see results for equifax, please i will be attaching my police report and the FTC report which i have provided equifax several times, but they have not been able to help me what so ever, i have applied for XXXX job they i was not hired because of this issue. please i need you r help in order for these inaccuracies and fradua accounts to be removed from my credit file thank you
Consumer complaint received 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (TX)

On my XXXX credit report, it shows two collection accounts that 1. Was paid by an attorney for a car accident insurance settlement 2. I have never received a statement showing that it had not been paid in full by my attorney 3. I believe these accounts were removed from my credit report and have now reapppeared.

The two collection accounts are as follows : A. XXXX XXXX for {$240.00} B. Commonwealth Finance for {$320.00} I can not get any information from the credit bureau regarding these accounts. Thank You
Consumer complaint received 2018-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC (FL)

XX/XX/2016 XXXXn I have contacted this company numerous time to be removed off my credit report. They have removed it on my XXXX and XXXX credit report. I did not have any business with this company and I need this to be removed off my XXXX account immediately. 

The amount is XXXX
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

After turning in my lease early in XXXX of XXXX, Hyundai Motor Finance sent me an invoice stating that I owed {$1700.00}. I was under the impression that the dealership was charging me fees for terminating my lease early ( when in fact they solicited me to turn my lease in and swap for a newer model ). I went to the dealership, as well as called HMF, and after much frustration saw no resolution. Eventually they sent the bill to collections and it appears on my report as " charged off as bad debt ''. I filed a complaint with cfpb and they responded stating that I owed the money for terminating my lease early and have yet to pay the amount owed. As previously stated, I was solicited by the dealership and called on multiple occasions for the opportunity to turn my lease in early. Therefore, I knew that these charges were not valid. I decided to take the issue to small claims court. I was to sue XXXX  XXXX AND Hyundai Motor Finance due to the fact that I was not aware of which party was at fault. Neither party showed up to court on the day of the trial and that was when I set a new date and contacted a lawyer. A lawyer from XXXX XXXX called me, and I had my lawyer call him back. After investigating, it was discovered that XXXX XXXX sent Hyundai Motor Finance a check that was to cover my remaining payment. This check was dated XX/XX/XXXX. This amount was NEVER applied to my account. The actual total that I owed was {$570.00}. For a whole year I was back and forth with the dealership AND HMF and not one person could catch this error or explain what the issue was. I even asked for a new invoice in XX/XX/XXXX, and this amount had still not been applied. So, I have a negative remark on my credit report for an amount of money that I was not responsible for. I need Hyundai Motor Finance to have this negative remark removed from my credit report immediately. I was not responsible for this bill that was sent to me and I looked for help and an explanation, wasted time, energy, and money going to court, and received no help from either the dealership or Hyundai Motor Finance. It was only when I had a lawyer contact them that I saw any progress. This item must be removed as soon as possible, for I am hoping to purchase a residence in the near future. Thank you in advance for your help regarding this matter.
Consumer complaint received 2018-11-27
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. (NY)

The information provided on my credit report by XXXX XXXX XXXX Is incorrect and invalid information. Currently the account displays a derogatory account with number XXXX an account number that is inaccurate that I have never been associated with along with an invalid address. Please remove it from my credit report. 
Thank you kindly, XXXX XXXX
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MS SERVICES LLC (GA)

I received XXXX letters from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. XXXX I received on XX/XX/XXXX the other on XX/XX/XXXX. I have a RV loan with XXXX XXXX XXXX XXXX. I had missed the XXXX  day deadline stated in the letter due to the mail. Why was not a signature required with the importance of this letter? It should be the date I received the letter, not date it was typed. Both letters were postmarked XXXX, XXXX. Because I did not respond within the XXXX  days of the date of the letter, the Recovery Department of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ) turned my account over to debt collector MS Services ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) I am currently disputing this issue with MS Services. The amount the are stating is the amount owed over the course of the loan, not the outstanding balance. If I do not pay the loan amount, there will be re-possession. I have asked both parties to reverse the action to have my account back to XXXX  XXXX XXXX. I am currently making payments towards the outstanding balance to the bank. The Recovery Department stated they could not help the mail. I lost XXXX  days just getting it to XXXX. I live in XXXX. In the meantime, I was sending emails to XXXX  customer service. I was receiving blanket responses with department phone numbers. I was inquiring about speaking with someone of authority. It never happened. 

I spoke to XXXX members of the Recovery Team XXXX times. XXXX agent said other people had the same issue with the letters. I feel the issue could have been resolved that day. They told me they are in contract with MS Services and no way of getting out of it. I know with due diligence and getting the right parties involved, this can be reversed. 

Thanks for your assistance!
Consumer complaint received 2019-04-22
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)

My information has been stolen and compromised and as a result several accounts are appearing my credit report. Ive reached out to the major three credit bureaus and have gotten any response. Enclosed is the following fraudulent accounts appearing on my report : 1.XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3.XXXX XXXX Acct # XXXX 4.XXXX XXXX Acct # XXXX 5. XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I deposited a check from my employer ( which is a local and reoccurring check ) in the amount of XXXX dollars and they have since made XXXX dollars available. I have spoken with the manager at chase Bank where I deposited the check and he was rude and reassured me that he would break the law and make sure my check was not deposited I have spent over 11 hrs on the phone on hold trying to get through to the hold department at chase Bank. I am currently on hold as I type this complaint. Today is the XXXX of XXXX I have XXXX XXXX dollar late fees from my credit cards over this and a late rent payment. I already worked for this money I shouldn't have to work for it again my time is not worth nothing I could have made this whole amount over again that instead was wasted on trying to get what I already earned plus the XXXX dollars in late fees.
Consumer complaint received 2022-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NC)

Was contacted back in XX/XX/XXXX asked for proof of debt from the company and it was never sent just a letter from the collection agency! Was contacted again in XX/XX/XXXX and asked for proof of debt and not proof just leered form debt collector! Debt hit my credit report XX/XX/XXXX and the company just sent proof of debt XX/XX/XXXX when I requested it 2 times and they failed to provide it to me until after it it my credit report
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (KY)

Bluebird for some unexpected and still unexplained reason has permanently suspended my account that I've had for 3 years. No explanation and myself and my girlfriend gets our. Unemployment directly deposited in this account and we have over {$5000.00} and they will not allow us access to the account to close it to get our funds. They suspended it, it's like there stealing our money. I just want to close the account after I get all funds out of the account. I have called the number given to us trying to talk to a manager for a week and calling multiple times a day. Have been hung up on and gave the run around. They tell me there's no number and I have to write a letter. And they are trying every way to avoid the problem and are not trying to fix it.
Consumer complaint received 2018-11-27
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Optimum Outcomes, Inc. (NC)

Optimum Outcomes is sharing my medical information on my credit file ( which has been stolen ) and CFPB in XXXX. They are sharing private medical information and I would like them to stop due to HIPPA and privacy concerns.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to urgently request the immediate removal of several inaccurate items from my credit report provided by XXXX. Upon reviewing my credit report, I have identified several discrepancies that require immediate attention and correction. I demand the prompt removal of the following inaccuracies : 1. Charge-off : [ Provide details of the charge-off, including the account number, date of charge-off, and amount ].

2. Late Payment : [ Specify the late payment instance ( s ), including dates and account details ]. 3. Settlement : [ Detail the settlement and any discrepancies related to it ].

4. Inquiries : [ List any unauthorized or incorrect inquiries ].

5. Repossession : [ Provide details of the repossession, including date and account information ]. 6. Credit Card Issues : [ Detail any issues related to credit card accounts ].

These inaccuracies not only misrepresent my creditworthiness but also violate the Fair Credit Reporting Act ( FCRA ) guidelines. As such, I demand their immediate removal to prevent further harm to my credit profile. 
I remind XXXX of its obligation under the FCRA to ensure the accuracy and integrity of credit reports. Failure to promptly remove these inaccuracies may result in legal action. 
I expect immediate action on this matter and request confirmation of the removal of the disputed items once the necessary corrections have been made.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MA)

I have an account with credit acceptance. They have been reporting late payments for YEARS after the account was closed. I've called multiple time to settle the past 6 months and they won't let me pay. I was informed today they sold the dept to the US attorney General for insurance and financial. This has significantly harmed my account.
Consumer complaint received 2019-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I have done a complaint against MCM Midland Credit recently and in XX/XX/XXXX. 

I have been a victim of identity theft and have already provided information for police report showing when I first became a victim of identity theft. 


I was a child graduating from high school and going off to cells and didn't apply or wasn't acknowledged of this company or any debt in XX/XX/XXXX. 

I haven't lived in XXXX, Florida since I graduated from high school in XX/XX/XXXX and went off to college. 


I never been to court or had any interactions with XXXX XXXX XXXX and I have once again recieved false and identity theft court documents from MCM and XXXX XXXX Courts Case No. XXXX dated XX/XX/XXXX. I was not living in XXXX during this time frame. I know nothing of this debt and someone has been using my name and information to collect debt. 


This is a scam and identity theft. This company has already contributed to defamation of character on my job as of XX/XX/XXXX which led to me losing my job after a similar judgement was sent to my job to collect a false debt from identity theft. 


This company is deceitful and manipulative and scam innocent people trying to get money and the XXXX XXXX XXXX house sign off on false judgments and act on identity theft against innocent law abiding people. 


I was a child and I had no debt or acknowledgement of this debt or what the debt is even for as I have provided police report showing identity theft. 

This MCM and XXXX XXXX XXXX XXXX steadily has been harassing me over a debt that doesn't belong to me.
Consumer complaint received 2018-09-16
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: EQUIFAX, INC. (CO)

I disputed an acct that is illegally being reported to my collections causing negative effect on my credit. Equifax removed the acct then added it back to my credit report. This company REFUSED to take payments and can not confirm the validity of the amounts owed. XXXX has received credits and can not actively collect these ALLEGED amounts.. allegey this acct was written off XX/XX/18 they hung up on EVERY attempt made to rectify and is in violation of the debt collection act yet Equifax removed the acct then added it which is in violation as well. I went diversified consultants removed from my credit IMMEDIATELY AND PERMANENTLY
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

I was forced to freeze my credit reporting with Experian because they exposed my personal information due to hacking. Yesterday I arranged for a temporary release so that I could apply for a credit card. All credit agencies EXCEPT for experian set up temporary releases at no cost. 

However Experian, the cause of the theft of personal information, charged me for the temporary release. I am at risk because of Experian and now I have to pay for the temporary release. 

They should not be rewarded and I should not be penalized. 

A refund of charges should be made.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BMO Bank, N.A. (IL)

BMO Harris notified me on XX/XX/XXXX that they were freezing my Diners Club card because fraudulent activity was attempted. It is a PIN card and the other party apparently made multiple unsuccessful attempts ( my card is in my possession and I do not have the PIN written anywhere. ) Problem is, this is the fourth time in about a year my card has been frozen ( they have not been successful in making a fraudulent charge. ) As this card is linked to most of my online buying and recurring monthly fees, it takes me more than a day to change all of my accounts and passwords so this is a big hassle. I feel BMO Harris isn't trying to protect my interests -- they're trying to make their job easier. Do I have any recourse to keep them from continually shutting down and forcing me to get a reissued card other than moving to a new credit card issuer?
Consumer complaint received 2023-08-29
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CITIBANK, N.A. (GA)

ON XXXX I made an online purchase with Macys ( order # XXXX ) using a Macys gift card in the amount of XXXX and I used XXXX to pay for the remaining balance of {$120.00}. The XXXX order number was XXXX. I had to pay {$31.00} for the deposit, which was debited from my debit card ending in XXXX. This is my card on file for XXXX. I returned the order. Instead of Macys issuing me a gift card back, they sent me a merchandise certificate ( XXXX ). This can only be used in the store. The closest Macy store is more than XXXX miles in XXXX Georgia. I called the customer service number and asked could they exchange this out for a gift card. I was told yes. I was on hold for over an hour and no one came back to the phone. I went into Macy 's store XXXX tried using the certificate because I never received the gift card. It stated the certificate had been used. The clerk in the store was like how it can be used, and you still have it. She called the customer service line. They asked me for my card number, and I would be issued a refund within 7 to 10 days. I never received the refund. On XXXX I called Macys again on hold for over an hour only to be given a number to XXXX. On XXXX I called again. XXXX a customer service manager at the store informed me that my card was credit on XXXX. I never received the credit. It was credited to a card ending in XXXX. This is not my card. I have since filed a complaint with the XXXX XXXX XXXXu in XXXX. The representative from Macys, XXXX XXXX states the credit was issued to the card ending in XXXX and was ending my complaint. This is not my card. I have never received the refund. XXXX never received the refund. They went back and did the history to the transaction. They refund me back my deposit of {$31.00}. I want my {$49.00}. If Macys would have sent me back my original form of payment this would have never happened.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . 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 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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 A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.