davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MO)

I made a purchase with XXXX on XX/XX/XXXX of this year. Rather than use my credit card to make the purchase of {$1900.00}, I took advantage of their 18 Months Deferred Interest offer to use XXXX  's credit card.

I received my order in a timely manner and the goods were not damaged in any way. 

In late XXXX, I received a phone call from XXXX XXXX regarding payment. They notified me that I was 30 days past due. I apologized and promised payment when I did my bills for XXXX. I asked at that time how much was due. The amount stated was {$140.00}. Shortly thereafter, I received an actual bill from XXXX   with the amount due at {$140.00} I authorized payment through my bank on XX/XX/XXXX for {$150.00} ; my bank processed the check on XX/XX/XXXX and the check arrived at XXXX 's PO Box on XX/XX/XXXX. 

Today, XX/XX/XXXX, I received another bill from XXXX XXXX/XXXX. The billing cycle had ended on XX/XX/XXXX and no payment had posted. I checked my bank and no check has cleared though they had tracked the payment as received in XXXX XXXX at the creditor 's PO Box . 

I called XXXX XXXX thereafter to discuss the matter this morning. I was asked for my account number, which is NOT plainly indicated on the statement, and shared with no less than 4 people the situation that I needed to resolve. I was also informed on this call that I should have received a welcome packet with my first bill, of which I did not. While on the phone with XXXX, I was told the only way I could resolve this issue was to set up an account online so that I could communicate with them and share my bank documentation. To resolve this issue will take 48 hours or more as the people responsible for receiving and posting payments are not customer-facing employees. 

Upon closer inspection of the bill I received today, XXXX has charged me a {$38.00} late fee and {$2.00} Interest Charge. Please remember that my purchase was supposed to be interest-free for 18 months. 

I also called XXXX Customer Service today and explained that I believed their Credit Card partner to be somewhat dishonest and not helpful in resolving the situation. 

This afternoon, I received TWO credit alerts that XXXX/XXXX has reported that I have newly reported delinquencies on my credit report. Now I will be forced to fight credit bureaus with this situation so it does not impact my credit score.

It seems to me that XXXX XXXX   is attempting to earn additional fees by 1 ) not sending my first statement, 2 ) charging Late Fees when payment has been made, 3 ) collecting interest that is not due or causing my payment to be late so that they can skirt the terms of the agreement that I made with XXXX to make timely payments in exchange for 18 months Interest-Free financing. 

I believe that XXXX and XXXX need to be audited for their questionable lending practices.
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (MD)

I received a notice that I allegedly owe {$1000.00} in credit card debt to Navy Federal Credit Union. I messaged the company stating that I am the original creditor and will and do not own any alleged debt. I told the company I will not pay towards a positive balance they claim I owe. The company responded that my account will be closing on XX/XX/XXXX as a result of monthly XXXX soft inquiries and that I " no longer meet the requirements '' to keep my account open due to the inquiries from XXXX. I have not provided Navy federal with any written or verbal permission to share information with anyone pertaining to any of my information. According to XXXX, XXXX, XXXX, and XXXX, Navy Federal Credit Union has shared my personal information will all of them. The debt is not validated. 

The company has violated my consumer rights pursuant to 15 USC 1692c ( a ), I have not given the company to communicate with me in connection with any debt. Pursuant to 15 USC 1692c ( b ) the company violated my consumer right by communicating with XXXX, XXXX, XXXX, and has communicated with XXXX on a month basis since the account was opened in XXXX. The company has used criminal means to harm my reputation as a consumer pursuant to 15 USC 1692d ( 1 ). The company uses a false and misleading amount, the alleged debt is in a positive amount pursuant to 15 USC 1692e ( 2 ) ( A ). How can someone owe in a positive amount? The company is in violation of collecting any amount unless permitted by law pursuant to 15 USC 1692f ( 1 ). Pursuant to 15 USC 1692g ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I Constantly Check My Credit Report And Noticed That Errors And False Misleading Information For Individual Accounts Didn't Quite Meet The Credit Reporting Standards Of Being 100 % Correct This Has Changed Me And Held Me Back For Some Time Im Demanding The CFPB To Enforce The Corrects And/Or The Deletions Of These Items I Deposited Two Checks Into My Chase Checking Account On XXXX  Chase Made The Funds Available But Refused To Release The Funds To Me
Consumer complaint received 2022-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

On XX/XX/XXXX I contacted XXXX about the fraudulent account that shows on my credit report for {$810.00} opened on XX/XX/XXXX. I informed them the account is fraudulent & I was told JEFFERSON CAPITAL bought the account, and I have to file a dispute! I file a dispute & no other actions has been made by the company after several calls I made to the company to get it removed!
Consumer complaint received 2023-05-24
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. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-11-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (GA)

I was approached last year (? ) for a debt that was not mine. ( originally XXXX or XXXX, ca n't find the debt collection name or other correspondence ) ) I filed a complaint with you then, and the issue went away. 

A company called Stellar Recovery, XXXX MT XXXX apparently acquired information and then filed that with Experian and they put it on my credit report. That dropped my rating from 826 to 650 or so. They never contacted me before doing this. 
I called them at XXXX. EST, XX/XX/2016 and told them this issue was settled with the prior company and that they need to correct immediately. Further, I am really XXXX that they would report this as an unpaid debt without even contacting me. I told them I will be reporting this to the CFPB.
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

as of XX/XX/XXXX, I DEMAND CHEX SYSTEM TO REMOVE THE NEGATIVE ACCOUNT IMMEDIATELY PER : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code 1692k - Civil liability ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure.

( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of any actual damage sustained by such person as a result of such failure in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

15 U.S. Code 1681- Congressional findings and statement of purpose- ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Please remove the negative account immediately for I will file a lien against your company, {$1000.00}. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX RTN/ACCT # XXXX ORIGINAL CHARGE OFF AMOUNT {$510.00} CLOSURE STATUS : UNPAID CLOSURE STATUS XX/XX/XXXX 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports- ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Form 3949A has been submitted to report the theft on this account as I have never had this account, Demand for validation with form 1099 OID is requested, due to the information reporting return submitted for the existence of this fraudulent account.

Please remove this account, it is not Frivolous, it is inaccurate, and need to be removed immediately. I am the consumer ; I have the right to say what is listed on my consumer credit report
Consumer complaint received 2022-10-16
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. (MD)

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE XXXX MY PERMISSION TO FURNISH THIS INFORMATION ONTO MY CONSUMER REPORT. THIS IS A SERIOUS VIOLATION PURSUANT TO CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS A BREACH OF MY PRIVACY RIGHTS.
Consumer complaint received 2022-10-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I Paid this account off on XX/XX/2022 the amount was XXXX my credit score was XXXX on XX/XX/2022 once my account was updated on XX/XX/2022 My score decreased to XXXX I reach out to XXXX  XXXX and they stated I never missed a payment and they don't know why they did that I have included My Experian account the first one as of today my score went down from XXXX minus XXXX points on my account you can see from XX/XX/2022 it was XXXX ) on XX/XX/646 and in XX/XX/647 THE RECORDING IS INCORRECT IF YOU MINUS XXXX FROM XXXX EXHIBIT 1-2 PAGES YOU WILL SEE ITS WRONG SCORING SYSTEM 8 THEY DECREASED MY CREDIT REPORT FOR NO REASON
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

From XX/XX/XXXX - XX/XX/XXXX I had trouble making payments due to struggles while schooling and and injury preventing me from work. From XX/XX/XXXX - XXXX  XXXX, I had late payments due to the coronavirus causing me to be laid off from my job and not qualifying for unemployment. I reached out to Capital One and they wouldn't take off the reports of late payments but only temporarily reduced my APR which doesn't help me in the long run. I have started my job as an XXXX XXXX but it will be very hard for me to qualify for a mortgage because of delinquent payment history being reported on my account. Also, my payments are due the second of every month. I've noticed that if I schedule my account to be paid for the second of that month, sometimes funds will post either before the exact second of that month, or directly after, causing my payment to not count and it getting marked as late or unpaid. They never notified me of this and how it is affecting my credit long-term. This is unfair and I need help getting my credit better so I can qualify for business credit very soon and grow our economy by investing.
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (CA)

There was a banking error by Truist in XXXX of this year in their ability to withdraw funds from XXXX XXXX XXXX via XXXX payment that has been set up and working with Suntrust ( now Truist ) for more than 10 years. 

We contacted XXXX XXXX XXXX and they tried to assist us by contacting Truist banking to let them know funds were in the account at the time and that XXXX saw a banking error with the payment pull by Truist. Truist has been contacted by XXXX several times and will not admit their mistake. We have contacted Truist Banking and they will not listen to us either and will not accept their company made a simple banking error which is now being reported as a late payment on our credit. 

Truist will not listen to anyone and repeatedly states they have never made a mistake even though we've reminded them of instances where are payments were reported to have never been received only to find out Truist deposited our funds into someone else 's account.
Consumer complaint received 2022-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Due to misinformation given to me by a professional banker at HSBC and lack of knowledge on her part, a large sum of money was fraudulently wired and I suffered a loss of over {$700000.00}. 

Please see attached documentation.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Unauthorized Credit Inquiries : On XX/XX/XXXX, there was an unauthorized inquiry by XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX and XXXX made unauthorized inquiries. 
XXXX, XXXX, XXXX, XXXX, AN # XXXX, XXXXXXXX XXXX, and XXXX all made unauthorized inquiries on XX/XX/XXXX. 
XXXX made an unauthorized inquiry on XX/XX/XXXX. 
XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX  # XXXX made unauthorized inquiries on XX/XX/XXXX. 
Several other unauthorized inquiries were made in XX/XX/XXXX by entities such as XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX and XXXX. 
XXXX made an unauthorized inquiry on XX/XX/XXXX. 
Account Validation Requests : I am requesting validation for an account with XXXX, with a partial account number ending in ****. 
I am also seeking validation for an account with XXXX XXXX, with a partial account number ending in ****. 
Additionally, I am requesting validation for an account with XXXX  XXXX, with a partial account number ending in ****. 
I believe I am a victim of identity theft, as many of these inquiries and account associations do not accurately reflect any transactions or authorizations I have made. 

Previous Attempts to Resolve : I have proactively attempted to address these discrepancies by sending letters via certified mail to the respective companies detailing these issues. However, despite ensuring they received my letters, I have not received any responses or corrections within the XXXX timeframe as mandated. 

I am now seeking the CFPB 's assistance in facilitating a thorough investigation into these matters and ensuring appropriate corrections to my credit report.
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: EOS Holdings, Inc. (NY)

Apparently I have a collection debt for an utility I know nothing about. I owe XXXX to XXXX and I dont even live in XXXX. I live in XXXX and actually live in a XXXX at the moment so I obviously do not need to have any utility on my name at the time XXXX does not have that information on my credit report but XXXX and XXXX do show me this problem in my collection debts
Consumer complaint received 2023-05-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I'm not late on this account. I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX. Please update.
Consumer complaint received 2019-01-03
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. (CA)

I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On XX/XX/XXXX I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last PaymentXX/XX/XXXX XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Opened Date XX/XX/XXXX, Highest Balance {$27000.00}. Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Georgia Student Finance Authority (GA)

I have communicated with XXXX, XXXX, and XXXX, many times in recent months via, mail and telephone, to have so errant accounts removed from my credit report. After checking the reports on XX/XX/2022, it came to my notice that the Company, Georgia Student Finance Commission STILL has an account furnished on my reports. 

I am sick of this because it has lead to me being denied housing opportunities. My current lease ends in 12 days and I have nowhere to go because I keep getting denied ( PAID ) rental applications due to low credit score. 

Today along with this complaint, I am hereby providing you formal notice to cease any further communication regarding this account immediately, pursuant to my rights as per 15 USC 1692c ( c ). This includes but is not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX.
Consumer complaint received 2023-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (TX)

You have my information incorrect, I cant log into aidvantage so that I can set up my automatic payments. When I enter my social and my birthday, name number etc you all have it incorrect so I am unable to log in my name is XXXX XXXX
Consumer complaint received 2018-01-26
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. (MI)

To whom it may concern : Your response to my dispute of public record is unacceptable. In your response you claim that you have verified this information how? According to the FCRA you have to provide me with the manner in which you verified this information. And you have not done so. I have submitted all the information to you already that proves the account does not belong to me. I further more do not have to provide your company with anything else. You have to provide me with your ways of verification in which you havent done so thus far. Which will result in numerous violations of the FCRA and each violation can result in {$1000.00} penalty. I have kept close record of our correspondence in which you have not provided me any documentation of you ways of validating the account belongs to me. And I intend to pursue legal ways to remedy this tragic situation that is damaging my life as well as reputation because of your malpractice of reporting false information. Again I want verification of account numbers jurisdiction of court address and all other particulars of the public record you are reporting on my credit report. You can not use any 3rd party information you have to verify it with the courts and provide me with your exact method of verification to provide utmost accuracy as stated in Fair Credit Reporting Act. This is my final warning before I seek judicial court suit against your company for your transgression against me.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-11-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Nationwide Biweekly Administration, Inc. (NC)

I have been using Nationwide Bi Weekly for 7 years.In that time they have helped me save money and time while servicing my mortgage and auto loans.My auto loan contract with NBA has been interrupted by XXXX XXXX of CFPB according to NBA. An example of how they have helped me is an auto loan that i obtained from XXXX XXXX, in which i had 5 years of monthly payments.Due to how NBA services my loan, it was paid off in XXXX months.Saving me interest and time on the loan.Consider using bi weekly payments on a 30 year fixed mortgage.Lots of money saved, lots of time saved.