davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I processed a payment over the phone with a rep on XX/XX/1919, this was returned by my bank as account not found because the rep left a number out of the bank account number provided. when I called back on XX/XX/19 I called and spoke with a rep and processed the payment again, when i noticed i was charged i called and filed the dispute on XXXX to have the call pulled and review as i no i provided the correct banking info. When i spoke to a rep the first week of XXXX i was transferred to the advance rep who confirmed that call was reviewed and disputed was closed when I asked her to confirm the account information there was a number missing and i advised this was the issue. I asked her to confirm that the call made on XX/XX/19 was the call reviewed, she stated no the call review was from XX/XX/19 I advised this was the wrong call and the issue happened prior to me calling back on XX/XX/19. she stated she couldn't locate the call in her department and needed to reach out to another department, today XX/XX/XXXX this charge is still has not been credited to my account, I spoke with a supervisor and i advised her to close this card as I have spend hours with this company trying to get {$27.00} reversed that should not have been charged to this account as it was the initial rep who made the mistake not me not there is a balance of XXXX that I requested they credit and they refused.
Consumer complaint received 2022-08-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX  XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$14000.00}
Consumer complaint received 2022-08-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please DELETE the item, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the item listed below : Bankruptcy XXXX XXXX-discharged Filed Date XX/XX/2012 XXXX
Consumer complaint received 2020-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

When I checked my credit report this new company is now showing up under collections and I have never heard of them before. Company name MIDLAND CREDIT MANAGEMEN and its list twice. First amount {$1400.00}, second amount {$1300.00}
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As you can see below with this Account XXXX XXXX XXXX XXXX is reporting incorrectly and theres numerous errors on trans union and XXXX stated in 15 U.S.C 1681A everything shall be 100 % correct which its not I demand this account to be removed from my credit report the credit bureaus are violating my rights and I will sue XXXX and trans union. Im being discriminated and this needs to be removed
Consumer complaint received 2023-01-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NY)

XX/XX/XXXX company sent school tax payment to incorrect address ( clearly marked on letter address had changed XX/XX/XXXX payment returned to company XXXX issued escrow surplus check to me XX/XX/XXXX contacted company to inquire about payment, no correspondence ever received about missed payment XX/XX/XXXX I made/return payment to company to re-issue payment. Company to make payment by XX/XX/XXXX in order to not incur additional interest charges XX/XX/XXXX company withdrew funds to make payment XX/XX/XXXX funds returned. Advised by company that I would not be liable for any charges/late fees as they acknowledged wrongdoing XX/XX/XXXX company issued payment from escrow account + {$600.00} worth of late charges, fees due school XX/XX/XXXX company advised they would look into XX/XX/XXXX advised they will do escrow assessment as my account is deficient. Regarding incorrect payment of late fees, etc. from my account- under review and will be decided after assessment. 
All of this without any correspondence from the company that the school payment had been returned/not paid. Instead check sent to me as a " surplus ''. 
Company incorrectly report late payment in XX/XX/XXXX Applied for forbearance in XXXX, highly pressured to sign documents the day before mortgage rates dropped and covid related forbearance went into effect, Forcing my interest to increase and payments to increase.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

This morning I checked my account at PNC Bank and saw a withdrawal of {$100.00}, which I knew nothing about and did not authorize. I called the bank about it and they said that they did the withdrawal and placed the funds in another account that my social security appears on. I AM NOT THE OWNER OF THAT ACCOUNT! That account is owned by by XXXX XXXX, and my name is on there just for oversight. I have NO MONEY, NOT EVEN TO BUY FOOD, because PNC illegally withdrew my money to put into another account I dont own, and which is overdrawn only 17 days! 

The Bank claims they are doing whats within their rights but its not true. The bank exercises collection right AFTER 30 DAYS OF A NEGATIVE BALANCE. That account was overdrawn only 17 DAYS, and does not fall within the time frame for collection activities. 

Also, Ive had transactions coming in on my account before, and didnt have enough money, and the other account had money but PNC have never taken money from that account to pay anything for me, they returned my transactions and charged me fees, so how is it now, that they can take money from my account to that account, when they have never done that when my account couldnt pay transactions??? 

Also, IN THE SPACE OF 17 DAYS, THEY HAVE CHARGED FEES ON THAT SAME ACCOUNT IN THE AMOUNT OF {$240.00}!!!! 

SEVENTEEN DAYS!!! {$240.00}!! Which includes {$7.00} PER DAY EVERYDAY! 

The fees that PNC Bank charges, needs to be investigated! Its robbery!
Consumer complaint received 2023-01-26
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: OneMain Finance Corporation (FL)

I received a loan from the company XX/XX/2020 during the pandemic when my family lost everything. I was not working and the company was advised that and I paid them in full ; more than the initial loan that they gave me. Upon paying the loan the company told me that they would mark my account paid in full with no late fees but instead marked me down as settled. I literally paid them way more then they first gave me. I had disputed before and still no resolution from them. Please help.
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (NY)

This is my ninth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
Consumer complaint received 2022-03-01
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. (FL)

There are inaccurate information that does not belong to me on my consumer report. All of the listed items are put on my consumer report without permissible purpose and or related to fraud. Attached will be the FTC report and police report that I have obtained by XXXX XXXX Police department.
Consumer complaint received 2022-08-18
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. (NV)

So I sent a letter off XX/XX/2022. Here 's my tracking number all my tracking numbers. To remove personal information that I dont want on my credit report. According to the fair credit reporting act 12 USC 168. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc. (CA)

I submitted a payment to my Self Financial credit card on XX/XX/XXXX for {$1000.00} because I always pay off the balance before its due. XXXX was XXXX and its usually credited in a day. As of XX/XX/XXXX the payment is still pending and my card deactivated. It has caused my XXXX score to drop. Ive made payments through my bank account for over XXXX  years. I have made several hundreds of dollars in payments from the same bank account and its never taken this long.
Consumer complaint received 2019-02-06
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: JPMORGAN CHASE & CO. (SC)

Chase Card is reporting an inquiry on my credit report. I did not approve of this. I am not very happy. 

An inquiry should only happen for the following reasons : 1.Insurance ( they are not an insurance company ) 2. Court Order ( we are not nor have we been involved in court proceedings ) 3. Employment ( I have never applied for employment ) 4. Firm offer of Credit ( they have never given me a firm offer of credit )
Consumer complaint received 2018-11-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

i pay {$220.00} dated XX/XX/07; 2018 for company name XXXX XXXX XXXX referce id XXXX this itam alradey my credit report for colection itam pl remove this thing thanks XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am the Beneficiary and Surety with equitable interest in the XXXX XXXX XXXX consumer report that is being furnished by EQUIFAX, XXXX and XXXX ( CRAs. The CRAs are furnishing this consumer report, divulging private information without the express written authorization of the Surety. This unauthorized activity by the CRAs has caused serious harm. This is our NOTICE OF INTENT TO SUE to seek equitable remedy for our injury if CRAs fail to CEASE & DESIST reporting without the consent of Surety.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

So I sent a letter off XX/XX/2022. Here 's my tracking number all my tracking numbers. To remove personal information that I dont want on my credit report. According to the fair credit reporting act 12 USC 168. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights
Consumer complaint received 2020-02-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (AZ)

Santandar Consumer calls my cell phone a minimum of 5 times a day. They call from different numbers and many times leave voicemails that are incoherent. Last time I spoke with them on XX/XX/XXXX, it was discovered that 2 months worth of payments that I in fact paid, were incorrectly recorded as default according to Santandar. I supplied the company with my bank statement, confirmation number and photographs of the electronic check. The second error they were/ are harassing me over is the initial payment on the loan. I explained as they well know that my first payment, as is fairly standard, was to be paid by XXXX, the vendor. I supplied them with the salespersons information, and reminded them they have the contract on file. Yet, they continue to call every 20 minutes every day, weekends included. 
Furthermore Santandar sent me a letter threatening to repose my vehicle on XX/XX/XXXX, XXXX XXXX. If I did not immediately pay them XXXX, the money they falsely believe I owe. 
In addition the interest rate and the absurd late payment policy has me trapped in a loan that will not allow me to pay down any principle whatsoever. They charge XXXX sometimes XXXX dollars for being even a day late. The interest rate coupled with this crippling policy has resulted in a years worth of payments with XXXX dollars to principal. I am losing money every month on the value of this car and no one will work to refinance with me because they have created such an unworkable situation.
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (CT)

I have a credit card with Fidelity ( XXXX ). I have three balance transfers with them. One has an interest rate of 2.99 % with an expiration date of XX/XX/XXXX. The other two have an interest rate of 0 % and an expiration date of XX/XX/XXXX. I noticed on my recent statement that my minimum payment was being applied to the transfer with the lower interest rate. It is my understanding that the Credit Card Act of 2009 required companies to apply payment to the balance with the highest rate. When I contacted Fidelity, they said the law had been changed. What is the current law in regard to payments? What can I do about this unfair situation?
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am writing to file a formal complaint against XXXX, Equifax, and XXXX regarding the inaccurate information on my credit report. Despite multiple attempts to address and rectify the inaccuracies, no action has been taken by the credit bureau ( s ) in question. 

The disputed items on my credit report include the following : XXXX : XXXX. The inquiry was not authorized. 
XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized. 
XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized. 
XXXX XXXX  XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. Please verify account. 
XXXX XXXX  Date of inquiry : XX/XX/year> Equifax : XXXX. The inquiry was not authorized. 
XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX : XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX XXXX inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 
I have made four attempts to request the credit bureau ( s ) to delete the inaccurate information through written disputes, providing supporting documentation to substantiate my claims. However, despite my efforts, there has been no resolution or corrective action taken by the credit bureau ( s ) to rectify these inaccuracies. 

I am seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that the credit bureau ( s ) comply with the Fair Credit Reporting Act ( FCRA ). I request that the inaccurate information be promptly removed from my credit report to restore the accuracy and integrity of my credit history. 

Attached with this complaint are copies of the relevant documentation, including my written disputes, supporting evidence, and any responses received from the credit bureau ( s ). 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting.
Consumer complaint received 2023-01-26
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (HI)

I should have had all of my " private defaulted loans '' wiped from Navient, yet one remains, XXXX that has been in default since 2009. 

All of the other private defaulted loans were forgiven under this 39 AG state class-action. 

XXXX XXXX XXXX XXXX XXXX XXXX Can you please advise?
Consumer complaint received 2022-08-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

This is XXXX XXXX submitting this CFPB complaint requesting the Credit Bureaus to correct the disputed accounts referenced below. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$3100.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (OH)

Company reported incorrect information to employer and got me fired. After disputing this they have told the CFPB they finished their investigation and corrected my report over a month ago. They've indicated the employer had been informed and that they mailed me a copy. As of today, at XXXX, employer has NOT received a corrected report and I have NOT received a copy of this through the mail.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Requesting all student loans be removed from credit report per 20 USC 1232 ( g ) ( 34 CFR 99 ) ( The Privacy Act of 1974 ( FERPA ) these laws covers all the reasons for removal. Company responded the loans was sold in 2017 so this is a certificate of indebtedness so this most be removed immediately