davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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: Bread Financial Holdings, Inc. (AZ)

Somebody opened a Victorias secret credit card under my name and is spending outrageous amount of money on that card. This person has spent a total of {$880.00} and it is ruining my life and credit score.
Consumer complaint received 2021-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (AZ)

NCB MANAGEMENT SERVICEIS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND NCB MANAGEMENT SERVICEIS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. NCB MANAGEMENT SERVICEis in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!
Consumer complaint received 2018-07-06
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: EQUIFAX, INC. (NY)

XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX - XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I have contacted some of the companies that i am a victim of identity thief. They put a block on my Social Security number and know it contact me first. I have called Equifax about this issue and they still wont remove these inquiries that wasnt authorized by me.
Consumer complaint received 2021-11-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX XXXX account # XXXX -- XXXX -- XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2021-11-18
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: Self Financial Inc. (NY)

I just recently tried to download a app & the app was to build credit. Its called Self. Now I downloaded this because I can not for some odd reason download or sign up for XXXX  wont allow me. So I figured I try out Self and tried to be responsible to build my credit as they say credit scores are pretty important. 

Theres apparently information that popped up when I typed in my last 4 SS # s. It states that in 2019 I took out a mortgage claim. Ironically I got a phone call around that time stating some bizarre claims but one of them was that my information has been compromised and it was some sort of bureau agency reaching out to me that if I dont state if it was me or not Im liable to charges or some sorts. I thought it was a all a prank call or some scammers but the odd part was they legitimately did have some sorts of my information which had me debating the legitimacy in all this. I ignored what they was saying after a while and believed it to be people doing fraudulent activities which I wanted no part in so I hung up. Now Im seeing theres a mortgage claim around the same time I got that weird phone call. And it says a different number hooked up to the account which isnt mine. I had the same phone number for about 20 years now maybe lol. No way its a mistake. None of that information is me is this why I cant open a XXXX account or a XXXX card? Help I need to start building credit asap not tomorrow like yesterday
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (IL)

Hi there. 

My name is XXXX XXXX. On XX/XX/2022, the State of Illinois sent a tax rebate check ( i.e., trace # : XXXX ) to my closed PNC Bank checking account ending in XXXX and the check in the amount of {$50.00} was never returned to the State Comptroller 's office. 

I called the state comptroller 's office to verify that the payment was made. I received the confirmation from the state and a contact number ( i.e., XXXX XXXX ), to reach out to PNC Bank for the payment to be returned to the state. I called PNC and they verified receipt but couldn't verify the return of the check! Neither could they say that they were obliged to return the check to the state by Law.

Something was off with this approach! If an account is closed, the Bank is required to return the payment to the sender by Law. In this case, the Bank violated that fact. Upon realization, they hung up and did not answer my calls again. 

So, I'm reaching out to find someone with a bigger voice to resolve this simple fact that the Bank violated the law and they are hiding away hoping that I don't follow up. I'm a poor person, {$50.00} can make a difference in my life and the Bank just doesn't care. Can you please help correct this wrong which might be happening to countless folks without a voice? 

Thank you!
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (LA)

I contacted the original creditor XXXX XXXX XXXX XXXX Ph # XXXX, they could not verify the debt ; Additionally, the representative made excuses and attempt to gain information from me in reference to my physical address rather than using any information they would have on file since their claiming I owe the debt it would be such a record or documentation or proof to this fact in their possession. 

I provided the name of the debt collector supposedly was hired by XXXX. the company name is Americollect , Inc . and the amount {$71.00} owed Additionally I fax this dispute to XXXX who claimed they did not receive the dispute on XX/XX/22 also they tried to make a new dispute for XX/XX/22 attempting to cover up for their negligence in misplacing the original dispute letter therefore getting around the F.C.R.A. Section 611
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I sent a letter to each of the three Bureaus requesting validation for the bankruptcy that is on my credit report as public records. What I received was a letter stating that they verified the information with the courts. As I contact the court system they verified that they do not have contact with the credit bureaus and have not verified anything. I have attached the letter. 
As I sent that letter toXXXX, XXXX and Experian they all sent me a letter back still confirming the information just updating it. I want this bankruptcy removed off my credit reports.
Consumer complaint received 2019-06-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

I was in two hospitals back @ XX/XX/2013 with a major XXXX injury. @ that time I was insured with XXXX. 
The ACCOUNT # on this letter is XXXX XXXX Both stating the I owe {$5000.00} each {$5000.00}
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Im missing a credit card that should be on my credit profile it is on my husbands credit report and not on mine. The credit card was with XXXX. It was opened XXXX XXXX. Its missing on my profile, it said status updated on XX/XX/2017. It was a joint account, underwritten by XXXX XXXX.
Consumer complaint received 2021-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc. (FL)

I do not even know who this company is. There is nothing on my credit report for Meridian Financial Services. Lastly, they are calling for my old married name ( which I have not had in over 10 years ). They are calling family members too trying to reach this name also. I would like them to stop calling as again there is nothing on my credit report, nor have I received a debt validation letter for any outstanding debts that would have been owed prior to the past 10 years.
Consumer complaint received 2019-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I was told by Navient that I needed to consolidate my loans and go on forbearance during that process. I was not sure if this was the correct answers and since have been working directly with the Federal Student loan department and now feel that I am finally on the right track to help my family get out from under this debt.
Consumer complaint received 2021-06-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Fleet Financial, Inc. (OK)

I signed up with ilending direct to refinance my car for {$13000.00} and was told that I qualify for a loan with a better interest rate. I called them and was told that they could not even pull my credit due to the type of work that I am in. I XXXX XXXX and I have never missed a payment on anything. Denying to even pull my credit is discriminating against me.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 180 days and 3 dispute letters to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This is my second notice regarding the inaccurate items that are being reported on my credit. Up until this point the agencies have ignored me and my requirements of them, which are to make sure that the items and information that they are reporting are entirely accurate. This is wreaking havoc on my life as I have to continue to reach out to the agencies in order for them to do their job.
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CT)

I opened an account with Best Buy in XX/XX/2019 to purchase a computer. I've been paying monthly, usually more than the minimum amount. In XX/XX/2019, I paid off the entire balance. During that time, I had two late payments, one first thing because my payment made through the bank did not get there in time, and then in XX/XX/XXXX because I had two major family events and missed the due date. The XX/XX/XXXX late fee they agreed to dismiss, and I never fought the XX/XX/XXXX. late fee because I didn't have the time. 

On XX/XX/XXXX I received a notice regarding the closure of my Best Buy account, which completely surprised me because I am paid in full. Their form indicated that this was based upon a credit score received from XX/XX/XXXX, although " it played no part in our decision ''. Regardless, Best Buy cited that one of the reasons is due to the balance on my account and that it was also closed to inactivity. Another reason is the balance on my account ( WHICH IS XXXX )! 

I called and spoke to a representative and a supervisor ( XXXX and XXXX, respectively ) and requested that my account be restored, they claim however that it is not possible. I know as a fact that Credit card companies can do this for a customer. It is poor business practice at best to close an account of a customer who has paid off a balance. 

On another note, I tried explaining that I've been working hard this summer to pay off debts and that if they looked at the report again they would see that. They are not budging though. 

I do not feel it is fair to close an account of a customer who worked hard to pay it off. 

Original balance : {$450.00}. 

XX/XX/XXXX paid XXXX XX/XX/XXXX paid XXXX XX/XX/XXXX paid XXXX XX/XX/XXXX paid XXXX ( this one was minimum due ) XXXX ( can't find my payment notes for this month ) XX/XX/XXXX paid XXXX XX/XX/XXXX paid XXXX ( thought I paid this in full now ) XXXX? I paid another XXXX ( they said I owed it so I paid it ) Even if they do not reinstate my account, I want them to negate the negative impact on my credit report
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have a bankruptcy listed in my credit files that Experian is reporting which is inaccurate and incomplete. The Federal Laws requires that the credit agencies provides mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Experian validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me. I have several letters from the Federal Bankruptcy Courts and XXXX which states that they DONOT report to the consumer reporting agencies and letters from XXXX which states that they DONOT have any records of a bankruptcy in their files for me. Yet Experian keeps telling me they have verified it with XXXX and I know they are not investigating.
Consumer complaint received 2017-06-07
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. (FL)

in reference to these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence datedXX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. <P/>I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. Awaiting your reply in a timely manner. Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Dear CFPB, I find it unfair that the XXXX consumer reporting bureaus are reporting an account that was once marked as 'Current ' on my XXXX credit report. However, in XXXX, they suddenly tagged it as 'CLOSED ' and XXXX ' account. 

I don't understand how they processed their investigation, leading to the sudden addition of a late payment remark on these accounts, especially when I was never late with my payments. 

Due to their improper investigation of my credit report, I demand that they must promptly remove these accounts or update them to current status. 

XXXX, Account # : XXXX XXXX Account # : XXXX I have attached all the necessary proof in this complaint. Kindly assist me in updating my credit report to reflect the current status, correcting the inaccurately reported accounts.
Consumer complaint received 2021-11-18
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 — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I disputed 2 credit card charges : ( 1 ) a XXXX  charge fromXX/XX/XXXX in the amount of {$20.00} ( Case # XXXX ), and ( 2 ) a XXXX XXXX  charge from XX/XX/XXXX in the amount of {$31.00} ( Case # XXXX  ). I was able to submit the disputes online through the Barclays website. I received confirmation letters via USPS from Barclays regarding these disputes. For each dispute, I received 2 letters : one stating that they received my billing dispute and have referred my transaction to a dispute specialist ( and that resolution could take up to 45 days ), and a second letter stating that they had informed the company of the dispute and were placing a provisional credit on my account. After that, I never received a confirmation of the outcome of the dispute. Despite being able to file my dispute online, Barclays did not have the option of checking the dispute status online, so I resorted to calling the Disputes department on XX/XX/XXXX. However, it was not possible to get anyone on the phone in the Disputes department ( they just had a message stating Due to circumstances beyond our control, we are unable to take your call at this time ), so despite multiple attempts ( including directly dialing and being transferred to their department ) I could not speak with an agent in the Disputes department. I spoke with a customer service supervisor ( Guillermo ), who stated that he was able to see the disputes were closed as write off. I asked to receive written confirmation of the outcome of the dispute, and was told that he was unable to do so, and that I would still have to speak with the Disputes department directly. I finally was able to get a hold of the Disputes department on XX/XX/XXXX, and asked them to send me written confirmation of the outcome of the dispute, per the terms of the cardmember agreement ; however, I was told by the representative that they " didn't do that '', and that the previous letters I had received should serve as confirmation. I informed him that I was legally entitled to written confirmation of the outcome of the credit disputes, not just notification that the dispute had occurred, and the representative said he would work on it and have something sent to me. I received a letter dated XX/XX/XXXX ( Case # XXXX ) that stated they would " fully investigate my concern '' ; however, I was instead sent copies of the previously-received letters ( the ones stating that they had informed the company of the dispute and were placing a provisional credit on my account ). At this point, I have not received confirmation of the outcome of the aforementioned disputes, and the company has refused to send me confirmation when asked, going so far as to state that this is their official policy. Please assist with resolution of this issue, and apply any sanctions to the company as indicat
ed.