davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

In XXXX I asked that incorrect information be removed from my credit report. Under USC 1681 they are required to investigate and conduct it in a manner that isn't just speaking to the supposed creditor. They failed to do the investigation per the law and haven't removed any incorrect information. Now is not the time for another investigation or to verify. That time has come and gone. I request all incorrect and negative info be removed for my report in the next 10days or be forced to pay {$1000.00} for every incorrect negative error on the report If you want proof of dispute look no further than the complaint filed XXXX with the cfpb. I've waited the allotted time now I will take action
Consumer complaint received 2019-08-05
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: EQUIFAX, INC. (FL)

I disputed the referenced accounts above on XX/XX/2019. The response XX/XX/2019 on CFPB website consumerfinance.gov and the credit report of XX/XX/2019 credit report shows these items were deleted from my credit file. Now these items have been reinserted on my credit report.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

Equifax is continuing to report inaccurate information on my credit file. 
Also, Equifax has my credit score grossly low at XXXX, despite changing and removing disputed inaccurate information. 

Equifax sent me an updated credit report recently, that shows chapter 13 bankruptcy case blocked. However, Equifax has a Court order judgement that expunged all 3 fraudulent filed bankruptcies due to identity theft and is restricted from public viewing signed by the Judge. Now, Equifax is reporting on my credit file. This should not be reporting at all. Here is the case information and resolution from XXXXXXXX XXXX XXXX XXXX, Print complaint CLOSED, Submitted STATUS Submitted to the CFPB on XX/XX/XXXX Company 's Response Thank you for giving us the opportunity to respond to XXXX XXXX XXXX complaint. This item was withdrawn from XXXX XXXX XXXX ' credit report on XX/XX/XXXX. We will request a manual deletion through e-Oscar to ensure that the credit reporting agencies remove this from XXXX XXXX XXXX ' credit. We encourage XXXX XXXX XXXX to contact us directly if additional information is required. 


Collections XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 
Balance {$1100.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  Closed No Info
Consumer complaint received 2024-04-02
Product: Credit 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: Self Financial Inc. (MI)

I opened a self visa for utilization purposes while we were preparing to purchase a home. I never used the card, it was strictly to help balance utilization for student loans. I recieved a notification my credit card was over the limit, so i quickly checked and saw numerous charges on the account that i did not make. The card had been lost, and i reported it to XXXX who gave me a dispute number to call. I caled the dispute number and told them my card had been lost and there were multiple unauthorized transactions amounting to {$700.00} I was notified that the charges would be credited and I would hear back in a few weeks. A few days later I noticed all the charges were reversed once again and when I called self I was told that there was no error. How is there no error when the card was never used and lost in a move? The charges occured XXXX miles away from my home! Self needs to reverse the charges, correct the credit reporting, and make me whole. The customer service was self was also a nightmare. This has caused my mortgage lender to cease our lending process! Case # XXXX
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

I had a XXXX XXXX in my teeth. Went to dentist. They hit me with a huge amount. They applied me with a COMMENITY BANK LINE OF CREDIT to pay for my work I needed done. I never got a reminder through the mail that the 'interest fee ' period was ENDING. I had called at the end of XXXX, after getting my new bill to find out that the {$3500.00} bill I had whittled down to {$1100.00} was now over {$2200.00}!!! They added {$1000.00} to my bill!! I called and tried to talk to them to eliminate that interest. I had plans to pay it in full the next cycle!!! THEY WERE RUDE BEYOND BELIEF AND SAID THEY WOULD NOT REDUCE THE INTEREST! I even explained to them even a CAR when you do a 10 day payoff has reduced interest. I had just recovered from XXXX ALONG WITH MY SON WHO ALMOST DIED! I LOST MY JOB! Now High gas prices ... ... ... THEY REFUSED TO WORK WITH ME. ALL I WANT IS THE {$1000.00} ELIMINATED so I can pay my original balance in full which is the {$1100.00}. PLEASE PLEASE PLEASE HELP ME! 
THANK YOU
Consumer complaint received 2022-10-11
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. (TX)

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 


In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2019-08-05
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. (KS)

Equifax pay out it is the consumers that were affected, I chose XXXX pay out now we are being told there won't be a pay out. Because they were not fined enough. I have credit montering why should I not be paid the XXXX it was their fault. Why should they profit when they handle my personal info
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I had a charged off credit card balance with USAA and I obtained a settlement offer. I mailed them the check for the settlement offer and the check was cashed on XX/XX/21. But, USAA is still showing on my credit report that I owe then {$710.00}. 

I specifically informed USAA that I accepted the settlement offer and met all requirements of the settlement and they cashed my check.
Consumer complaint received 2022-03-25
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 never received a notice of sale!! The amount is incorrect!!! That is inaccurate information!!! The Credit Bureaus are reporting XXXX as a Repossession when originally it was a credit sale!!! Inaccurate information!! Transunion is reporting over {$13000.00} XXXX is reporting {$9700.00} and XXXX is reporting {$9200.00} XXXX different amounts so how was this verified? Therefore its an error or a lie!! This could not have been verified properly if its XXXX different amounts!!! Also, I have enclosed documentation proving this is all inaccurate information based on all of the technicalities!! According to the FCRA!! I have the right to a fair credit report but if youre allegedly reporting this as a repossession then why are you still reporting late payments on my report? An error or a lie!! Therefore this should be immediately deleted off of my Report!! Also according to the Nevada of Limitations They Also violated Repo laws!! According to the FCRA it has to be reported XXXX percent accurate!! This is all inaccurate information therefore should be deleted off of my Report!!! Also this was an illegal repossession which took place on private property!!! They unlawfully trespassed on private property!! The repossession took place on XXXX XXXX XXXX!! Its no trespassing on private property!!! This is illegal in the state of Nevada!! Breech of Peace!!! I also have the right to an attorney if this is not immediately deleted off of my report!! The vehicle allegedly sold in auction for {$4300.00} according to XXXX yet they are reporting late payments but offered a settlement of {$5000.00} all inaccuracies and technicalities that should be deleted off of my Report immediately!! 
Please delete XXXX  Immediately!!
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2022-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

To Whom It May Concern, I received a letter from Midland Credit Management , LLC. They have accused me of opening a credit card with XXXX XXXX in XXXX. I don't recognize the card nor the address on the bill. I have not lived in Arkansas since XXXX. I don't know anyone in XXXX, AR. I believe my identity has been stolen.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: OPORTUN FINANCIAL CORPORATION (NY)

In recent days I opened a new credit card with XXXX XXXX and checked the XXXX SCORE and I realized that there was an account closed with the OPORTUNXXXX company with a credit of {$1200.00} dollars, which I never requested, I spoke to the company and provided my name, address and social security number and they tell me that with my social security number there is NO account but with my name if there is a registered accountto which I inform them that they are directly but with my name if there is a registered account affecting me due to said negative report on my credit. 

present the respective claim to the XXXX credit bureau since it is the only one of the 3 bureaus that has this negative report in the other XXXX there is no such negative report. 

someone unscrupulously used and/or stole my name and address to apply for this card.
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Apelles, LLC (GA)

I have a letter dated XXXX with a balance of {$5100.00} from Apelles- a collection company. 

When I spoke with them in XXXX of XXXX, speaking from the letter they'd sent to me, we spoke of a {$5100.00} balance due ( see attachment ). 

I agreed to pay {$50.00} dollar a week, which I have done, until the balance is {$0.00}. 

Today, XXXX, when I called to discuss a settlement, I was informed that my balance was {$3700.00} because on their end my starting balance was {$6100.00}. I never received a letter stating any balance, except the {$5100.00} balance. 

I have paid {$3000.00}, thus far. The balance due should be XXXX, not XXXX, which I was never informed about.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo locked my acct after I reported fraud on my account. I was then told my account was closed due to misuse of debit card. They allowed transactions to go thru without my knowledge. Sent a bill pay check not in my name to pay someone's rent. I was charged chargebacks and fees for trandactions. Total XXXX
Consumer complaint received 2022-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (TX)

It has come to my attention that this company is reporting negatively on my credit report, calling me and sending mail to my house for a debt that was apart of identity theft. I have disputed this several times and sent over paperwork to prove this is not my debt but this company refuses to acknowledge it.
Consumer complaint received 2018-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (TX)

On XX/XX/2017 AR Resources Inc. placed an account for the amount of { {$960.00} } and ( {$1400.00} ) on my credit report in violation of the Fair Credit Reporting Act. AR Resources failed to notify me and provide adequate documentation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account AR Resources is attempting to collect on. Furthermore, this dept. appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA. 

Also on XX/XX/2017 AR Resources Inc. placed an account for the amount of { {$1400.00} } on my credit report in violation of the Fair Credit Reporting Act. AR Resources failed to notify me and provide adequate documentation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account AR Resources is  attempting to collect on. Furthermore, this dept. appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
Consumer complaint received 2024-03-31
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I disputed fraudulent charges to my card and it was denied. They said they investigated charges and were not in error. I requested investigation results and my personal information was entered incorrectly by the fraudulent purchaser like email address XXXX the city that I live inXXXX phone number and the biller address was different than the delivery address the shippingXXXX deliveryXXXX tracking and any info on the delivery of shipment address was blurry and was not able to be read. Incorrect personal information is definitely a red flag that they either looked over or not at all.
Consumer complaint received 2022-03-25
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: I.C. System, Inc. (TX)

I sent a letter to IC System on XX/XX/XXXX via certified mail regarding account starting with XXXX, to which they responded that they were not able to locate/verify the account. I sent a letter to XXXX asking them to delete this account from my credit report because it can not be validated and thus being falsely reported. In addition to the failure to validate the debt, IC systems is now reporting that the date of last active is XX/XX/XXXX which is considered re-aging and is illegal. This is not my account and it should be deleted immediately.
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (FL)

I have a collection account with IQ data international. It has come to my attention that this company has been communicating with my daughter about my account without my permission. They violated my privacy laws and negotiated terms with a third party without my knowledge. I have never given them permission to divulge my personal information to a third party let alone discuss the terms of which. This company also took it upon themselves to unlawfully apply interest to a tenant bond account that did not have a judgement placed prior. These people spoke about my account with a person that had no jurisdiction to do so. This is horrible and I hate to make this public but this had to be said.
Consumer complaint received 2022-03-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have been trying to get someone from Equifax to help with the removal of accounts on my credit report. I have called for the last week 3 to 5 times a day. I get hung up on when I ask to speak with a supervisor or they can't get me to a supervisor. I asked to file a complaint I was told I had to go through Equifax to file a complaint on Equifax and they would send it over to their dispute center to investigate. I have been told by and Equifax employee to go through a third party to have the accounts removed and told by Equifax employee they don't remove accounts over 7 years without the approval from the company I am disputing because they can choose to keep it on longer than 7 years. I have disputed the same items on XXXX and XXXX with no problem they take the time to listen to you. Equifax representatives wouldn't even listen to me they just talked over me and tell me no one else could help me they just going to tell you the same thing I am and wouldn't transfer me to speak with a supervisor. I am starting to feel like they are racially profiling. Equifax is not here to help find the truth and don't show any respect towards the consumer. Equifax can see the facts, but still want help.
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (TX)

Pursuant to employment relocation, I acquired a XXXX 's Membership. For employment reasons I moved from XXXX to XXXX. Once relocated, it was determined, my move relocated me XXXX XXXX from the gym I frequent, and unfortunately to my knowledge, the closest gym to me was XXXX XXXX away from my home. In attempts to resolve this issue, I contacted XXXX 's XXXX Customer Service and was told on several occasions the issue was resolve. I have requested several times for Aldous And Associates to resolve this issue, only to no avail. In addition, I am disputing the amount owed of {$480.00}, as the the original amount of the contract was only {$370.00}. If any additional funds was owed, I was not made privy to that dollar amount.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CT)

made a purchase on XX/XX/20 online in the amount of XXXX was suppose to b delivered was notified by phone they didn't have all the materials to complete the order so i cancelled the order. Then i called lowe 's store in XXXX  ct placed the exact same order they delivered it i ended up buying 2 much of some things so i returned what was leftover. I have only received partial refund from the first order in the amount of XXXX i am disputing XXXX which has been going on for over a year
Consumer complaint received 2022-10-11
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)

I have contacted all 3 credit reporting agencies. They have not corrected this issue yet. I have gotten my credit reports from them as well and it is showing accounts that are supposed to be closed still open.
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing Company told me that I owed over {$3000.00} and that I would soon be facing foreclosure even though I was in forbearance and that I had been making my payments. I was very scared. I called XXXX XXXX XXXX  on XX/XX/2022, a conversation which XXXX XXXX XXXX  and partially Select Portfolio Serving recorded. Select Portfolio Servicing tried to explain why I owed so much money etc. I also made a complaint # XXXX. 

Today XX/XX/2022, I called Select Portfolio Servicing and they have completely changed their story. Please listen to their new story which you will find attached. I suddenly only owe {$1200.00} for XXXX and that is only because I was tricked by SPS into ending my forbearance early by SPS ( see complaint # XXXX ). I am not facing foreclosure. Thank goodness except guess what they put me in so much stress. My mother made extra payments to them for no reason and I am very upset that they thought it would be okay to take advantage of anyone like they just tried to. Not to mention to me, a person who is XXXX XXXXXXXX and who was deemed to be too XXXX XXXXXXXX to handle their own check book by the Social Security Administration.