davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (OR)

In XXXX of XXXX I opened a credit card ( via XXXX XXXX XXXX XXXX XXXX XXXX ) with XXXX ( XXXX Credit card company ) with a credit line of {$4900.00}, I charged {$3900.00} to the card in XXXX of XXXX and paid this card in full in XXXX of XXXX as I sold a house towards the end of XX/XX/XXXX which is where this fireplace insert was installed. In XXXX of XXXX I got a letter from XXXX stating that I had access to use my card through XX/XX/XXXX and after that the card would be closed. I have been trying for 2 days now to make a purchase using this card and am being told 2-3 different stories depending on who we are speaking with. They  are stating I have not used the card in 2 years therefor they had to re-pull credit to be sure I was still worthy of using the card, which was then declined. Then they told me my card has been inactive since XXXX of XXXX, which CLEARLY not 2 years since it had activity on it ( which I was NEVER notified of or I would have used the card right away to keep it active ) It has NOT been 2 years since there was activity on the card, it has only been just over a year. Then we were told that there was a glitch in their computer system and the cards were mistakenly closed 2 days early and that the account has been activated and to go ahead and charge the card. We tried and it failed ... .we have been on the phone with XXXX for well over 2.5 hrs trying to get this resolved. My letter clearly states I have until tomorrow to use the card and they are denying me access to my already existing account. There has been a minimum of 6 phone calls to this company trying to resolve this issue.
Consumer complaint received 2017-05-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (NJ)

XXXX   XXXX   XXXX  sent a letter that threatens to take legal action on me regarding a debt. They claim to be a pre-legal account company and have stated that they will send my account to an attorney.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. After reviewing my credit report, I found several items that are not accurate and require immediate attention. 

Firstly, I have no recollection of authorizing the following credit pulls, and I demand their removal : XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  : Date of inquiry : XX/XX/XXXX Secondly, I would like to bring to your attention that some of the inquiries have reached the statute of limitations and should be removed. These inquiries include : XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX Furthermore, I dispute the following items that are not accurate : XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX XXXX Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX XXXXXXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
I respectfully request that you investigate these inaccuracies and make the necessary corrections to my credit report. Please notify me in writing of the actions taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC. (TX)

In year XXXX I had lost my job and couldn't make any payments I contacted Ally Financial about my situation now in XX/XX/XXXX my kid Dad had took my car to the store and supposed to come back that day so a week in a half went by been calling XXXX XXXX XXXX to bring my car to my resident he never brought my car back so I contacted the police they told me to wait ten days if he doesn't bring it back than call to report it stolen so I called my kid Dad and told him to bring it back he still hasn't so the next day I called the police again to find the location of the car it was towed away by XXXX XXXX in XXXX Texas I called Ally Financial and let them know that my car was not at my residence and that it was towed away at my kid dad resident so in XX/XX/XXXX XXXX XXXX XXXX  had sold the car to someone in California all and all I just couldn't afford the car and my kid dad never help me to get my car back and now I'm stuck with {$14000.00} balance on my credit it just been really hard on me these past few years I have no job no car and XXXX XXXX XXXX XXXX XXXX XXXX kids So just gotten a collection letter from XXXX XXXX XXXX XXXX XXXX is a debt collector on XX/XX/XXXX for Ally Financial
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CASHCALL, INC. (CA)

CASHCALL made a payment deferral contract with me, deferring my loan for three months with a normal payment made in XX/XX/XXXX.The contract attached is fully executed now that the XX/XX/XXXX payment has been made.Their contract does not spell out which 3 months are deferred ( legally voidable contract ) yet it is assumed to be the three months prior to XX/XX/XXXX.Yet when I call the company and dispute with the credit bureaus, the company will not relent from attributing a 60 day late in XX/XX/XXXX, one of the 3 months deferred. 
They don't seem to legally be operating regarding the definition of deferral and their own contract which is illegally nebulous regarding naming with specificity the three months deferred.XXXX has refused to re-investigate the matter because so many disputes have been made and the company will not honor their deferral contract, updating the credit bureaus without due regard for their contract.
Consumer complaint received 2019-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently had an identity theft problem and had to dispute many credit inquiries that were made by someone else. XXXX and XXXX were very helpful in helping me do so. With their help, it got cleaned up, however Transunion would not help me. There was one inquiry on the report that was not mine and they told me I had to have written documentation saying I was a victim of identity theft. I talked to them a few weeks ago and attempted to get documentation from the company that the inquiry was made through. They would not give me any documentation. I told Transunion what happened and they wouldnt help me. I currently can not get it removed from my credit report.
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (NY)

To whom may it concern My name is XXXX XXXX And i live in XXXX, NY Since 2021 i have been experiencing the worst treatment ever from our financial system. 
I never has issues before but since 2021 i have encountered the biggest obstruction to to enjoy from my financial citizen rights. 

I am not allow to do any kind of transaction national or international, to any family members or for any business purpose without been block or without been sent through the fraud department. This happen to me, to my brother or any friend who try or need to do a transaction with. It also happen if i try to do an international transaction to a family member abroad or with business purpose in any financial institution. 

I am been investigate as a criminal when doing transaction trough banks or through any online money transfer or for the banks fraud department. 

I also have a digital wallet business and i am also blocked from running my business national or international. My wallet website is quickmo.net/quickmo.ca My latest experience was with the following institutions : XXXX XXXX, XXXX XXXX Zelle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want an investigation to find out who is behind of this global blockage towards me, my family and my business peers? 
Why i am been blocked from the entire financial system in USA and XXXX to do transaction like a normal civilian? 

I am not a criminal and i am been treated like the worst criminal of the world. 

I believe that i rights a citizen of the USA and i deserve to be treated with the same respect that this institutions treat other people. 

If you need prove of the transactions let me know Thanks XXXX XXXX
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (GA)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on in my consumer report. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX BANK SS XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX
Consumer complaint received 2018-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (CA)

Got the loan for a window replacement upgrade. I was told that I would not pay interest as long as I paid within 12 months. Loan originated XX/XX/XXXX and was paid off XX/XX/XXXX. The company changed service providers in XX/XX/XXXX where they previously showed the deferred interest on the loan statement. In XX/XX/XXXX the statements provided showed that I was paying 9.99 % interest on an 18 month loan. I made various calls to the company opening investigations. I had made arrangements to have the full principal balance paid in full before maturity. Again in XX/XX/XXXX I called as the balance was a little over {$1000.00} and said there was no reason to pay as the terms were 0 % interest and they owed me money. I was told that I had to pay the balance to close the account. I would need to call and ask them to close which I did on XX/XX/XXXX. I got a letter on XX/XX/XXXX saying that the account was closed. I called numerous times to follow up with them on the interest owed to me in the amount of {$1700.00}. They said it would be processed in 60 days. This is not what I understood to be the case when I initially entered into the agreement. The first statements always showed the deferred interest until the change of service providers.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (TX)

Im submitting this CFPB Complaiont to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The item in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CERTIFIED CREDIT REPOR XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX CERTIFIED CREDIT REP XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I noticed a charge for {$4900.00} on our business checking account that was in processing status that we did not authorize. I called Bank of America and they sent me a Unauthorized ACH Return Form to fill out and send in. I did send it in that day. I also went physically to the BOA location in XXXX to speak with someone directly because this is a large sum of money. They put me back on the phone with the same people I had already talked to. They once again asked me to fill out a Unauthorized ACH Return Form and send it in. Then they said I should have a temporary credit on my account for the {$4900.00} while they do their investigation. I called back on Saturday to check the status of everything, they again asked me to fill out a Unauthorized ACH Return Form and send it in. Told them I already did. Then they said it takes 24 hours to upload for them to see, well it had been 24 hours. Then they tell me it will be closer to a week before we get a temporary credit while they investigate. I then called our local sheriff 's office and filed a police report and sent that info in to them. Then I filed a IC3 Form with the FBI for internet crimes and sent that info to the bank as well. I called back on Monday, once again they asked me to fill out a Unauthorized ACH Return Form and send it in. This time they told me it could be 45 days before they give me any kind of credit because they have to do their investigation first. I asked how come every time I call I get a different time frame regarding the money being returned. They said there are different types of investigations and the reps just might just be confused on which one this is. I didn't call back on Tuesday. Wed XX/XX/XXXX still haven't heard anything from the bank. I called and again they asked me to send in a Unauthorized ACH Return Form and send it in. I told them I have done this twice already. Then they told me it could be 90 days before I could see a credit for the money because they have to do the investigation first. We just keep getting the run around and no consistent time frame on when we can see our money returned to us. We desperately need this money as it is used to not only run our small business but support our family. Our next step will be to contact an attorney. 
I brought it to their attention while it was still in processing. I asked them to stop the payment on it before it went thru and they wouldn't stop it. It's my account if I want a stop payment on something they should have done it.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (AZ)

In XXXX of XXXX I applied for a secured credit card with Discover Card Services. I paid a {$200.00}. deposit fee as stated to be part of the terms in the secured card to establish credit. They opened the account and immediately closed it. When my cards arrived my account had already been shut down with no reason given. They then held my deposit for 2 months before I received it back.They did the exact same thing to my wife and as I did some further research they have done this to numerous people seeking to improve their credit. This action taken by Discover is dishonest and negatively impacted our credit score as we were seeking to improve it, not destroy it. I have asked them to remove the account off my report as they actually never opened my account or did I ever have functioning cards with a open account at any time. We were never asked to Identify our selves at any time. This action taken by them destroyed my employment opportunity and caused my interest rate to go up with several companies I do business with.
Consumer complaint received 2022-12-14
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. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (FL)

Per the attached documents, my credit card refund was sent to Navy Federal Credit Union ( NFCU ) since XX/XX/XXXX and I have not received it despite attached written transmission evidence including trace number that the merchant sent the funds to NFCU. In fact, per the attached email from the merchant dated XX/XX/XXXX, NFCU has not even contacted them.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a bankruptcy listed in my credit reports. Sent letter to remove it off of my credit report due to it being inacurate. The court recorder /court house sent me a letter and contacted me and stated they never verify nor give out Information to any companys or credit bureaus. The credit bureau stated they verified my information on XX/XX/2024. Its a violation of FCRA to provide inaccurate information or non verifiable information. And I demand it be removed from my credit reports. Ref # XXXX bankruptcy XXXX  XXXX