davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MO)

I opened a Store Credit Card Account with XXXX XXXX back in XX/XX/XXXX. I paid down a significant amount on the balance. I owed only XXXX dollars. When I traded up to a new wedding ring set this past year, a different account was opened under my name but with my spouse as joint. We were quoted a new minimum monthly payment of XXXX dollars with a new balance under XXXX but the very first billing statement from XXXX XXXX stated XXXX dollars as the new balance with the first minimum payment of XXXX dollars! I immediately disputed this amount along with the balance. A 60 day investigation was opened and XXXX XXXX informed me I would not be charged additional interest fees during this time. When the investigation was complete, I was still charged interest and the balance increased well over XXXX dollars. XXXX wanted me to pay XXXX as the very first payment on the account. I tried to resolve this with XXXX XXXX and leaned I was being charged double interest and double monthly payments on two separate balances! My spouse and I were not informed of these terms In-Store by the Assistant and Store Managers. We also did not agree to these terms. I was never given a copy of my new account contract, only my Sales Receipt that showed XXXX dollars as a minimum monthly payment. I tried to return my new wedding ring set but XXXX XXXX Corporate refused to take it back and XXXX XXXX still wanted XXXX dollars I did not owe them! XXXX XXXX and XXXX continued to call my phone from restricted numbers, so I asked for a Cease and Desist. I filed a Consumer Complaint with my states Attorney Generals Office and the only contract XXXX XXXX could produce was from the previous account opened in XXXX. XXXX XXXX and XXXX XXXX could not legally produce a contract with my legal signature for the new joint account. I disputed the account numerous times with all three credit bureaus with XXXX  making the process very difficult. The account was finally closed in XX/XX/XXXX. However, XXXX and XXXX XXXX continue to add delinquent payments to my credit reports! They seek to destroy my credit and Ive never been late on any of my other accounts. They now harass me with billing statements on a Closed account after Ive asked for a Cease and Desist.  This activity should be deemed illegal. XXXX XXXX XXXX owns XXXX XXXX and they have already faced possible Federal Action for their illegal crediting and finance practices. How do I get them to stop reporting late payments on a closed account with terms I never agreed to? How can they keep doing this when they cant produce a contract with my signature stating I agreed to these terms?
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. (FL)

I am writing to formally address two concerning matters regarding my account with your company. Firstly, I would like to bring to your attention the presence of inaccurate negative items on my account. These items are having a detrimental effect on my credit profile and financial well-being. I urge you to take immediate action to rectify this situation by removing these negative items from my account. 

Secondly, I would like to express my frustration regarding a late open account that has yet to be corrected. Despite my repeated attempts to resolve this issue, it remains unresolved, causing undue stress and inconvenience. I request that you prioritize the correction of this late open account and provide me with regular updates on its progress until it is satisfactorily resolved. 

It is imperative that these matters are addressed promptly and effectively to uphold the standards of integrity and customer service expected of your company. With this, I am asking for your assisstance to remove or correct these items in my credit file : Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXXXXXX Balance {$940.00} XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX **** XXXX {$1700.00} XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$4400.00} XXXX  XXXX  XXXX Balance {$1000.00} XXXX  XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX  XXXX Balance {$940.00} XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$4400.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXXXXXX XXXX {$1000.00} AXXXX XXXX XXXX  XXXX Balance {$690.00} XXXX  XXXX  XXXX XXXX Balance {$810.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$4400.00} XXXX XXXX Balance {$2600.00} XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX  XXXX  XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX Balance {$810.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I opened a Store Credit Card Account with XXXX XXXX back in XX/XX/XXXX. I paid down a significant amount on the balance. I owed only XXXX dollars. When I traded up to a new wedding ring set this past year, a different account was opened under my name but with my spouse as joint. We were quoted a new minimum monthly payment of XXXX dollars with a new balance under 7500 but the very first billing statement from XXXX XXXX  stated XXXX dollars as the new balance with the first minimum payment of XXXX dollars! I immediately disputed this amount along with the balance. A 60 day investigation was opened and XXXX XXXX informed me I would not be charged additional interest fees during this time. When the investigation was complete, I was still charged interest and the balance increased well over 1000 dollars. XXXX wanted me to pay XXXX as the very first payment on the account. I tried to resolve this with XXXX XXXX and leaned I was being charged double interest and double monthly payments on two separate balances! My spouse and I were not informed of these terms In-Store by the Assistant and Store Managers. We also did not agree to these terms. I was never given a copy of my new account contract, only my Sales Receipt that showed XXXX dollars as a minimum monthly payment. I tried to return my new wedding ring set but XXXX XXXX Corporate refused to take it back and XXXX XXXX  still wanted XXXX dollars I did not owe them! XXXX XXXX and XXXX continued to call my phone from restricted numbers, so I asked for a Cease and Desist. I filed a Consumer Complaint with my states Attorney Generals Office and the only contract XXXX XXXX could produce was from the previous account opened in XXXX. XXXX XXXX and XXXX XXXX  could not legally produce a contract with my legal signature for the new joint account. I disputed the account numerous times with all three credit bureaus with TransUnion making the process very difficult. The account was finally closed in Fall XXXX. However, XXXX and XXXX XXXX continue to add delinquent payments to my credit reports! They seek to destroy my credit and Ive never been late on any of my other accounts. They now harass me with billing statements on a Closed account after Ive asked for a Cease and Desist. This activity should be deemed illegal. XXXX XXXX XXXX owns XXXX XXXX and they have already faced possible Federal Action for their illegal crediting and finance practices. How do I get them to stop reporting late payments on a closed account with terms I never agreed to? How can they keep doing this when they cant produce a contract with my signature stating I agreed to these terms?
Consumer complaint received 2019-02-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alliant Capital Management LLC (CA)

I never received a phone call from the company but they have been calling my wifes phone and she returned their phone number and gave them my number but they still call her and not me so I contacted them and reached a voicemail in which I told them I have not received anything from them and I want a Debt Validation Letter from them. Months went by still no Debt Validation Letter but then I received a voicemail on my wifes phone saying They have tried to serve me  court documents and that I was being sued and this is my last contact. Not only have I not received a debt validation letter but I have never received any written documents just threatening phone calls.
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. (SC)

I sent a letter to XXXX, XXXX and Experian on XX/XX/XXXX, How ever the credit beureas said the completed the investigation and everything was 100 % accurate. 

15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and XXXX it was completed
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: EQUIFAX, INC. (SC)

I sent a letter to Equifax, XXXX and XXXX on XX/XX/XXXX, How ever the credit beureas said the completed the investigation and everything was 100 % accurate. 

15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and XXXX it was completed
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: Experian Information Solutions Inc. (FL)

I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 ) Account Name : XXXX XXXX  Account Number : XXXX 2 ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 3 ) Account Name : XXXX  Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX  XXXX Account Number : XXXX XXXX ) Account Name : XXXX  XXXX Account Number : XXXX XXXX ) Account Name : XXXX  XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
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 — Account information incorrect
Company: OneMain Finance Corporation (NC)

i would like for XXXX XXXX XXXX, one main financial, and XXXX  XXXX  to zero out my account balances with the credit bureaus. i am not reporting them or anything. i paid off my accounts with them earlier this month and i asked the credit bureaus to send them a request to zero out the balances on the credit reports
Consumer complaint received 2023-07-26
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. (CA)

I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX
Consumer complaint received 2019-02-07
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: Exeter Finance, LLC. (GA)

I recently received a copy of my XXXX, XXXX, and XXXX  credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. 

I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please have this inquiry removed from my credit file. 
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

The company redirected me back to CFPB.
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 — Account information incorrect
Company: Stellantis Financial Services US Corp. (KS)

First Inv Servicing has failed to report the deficiency balance on this voluntary surrender. The balance that is reporting is incorrect. they have also failed to report the original balance or high credit. The date of first delinquency has also not been told to me or verified, as I believe the date of last payment has been changed to affect the statute of limitation and reporting date. This company has also failed to report that this account is in dispute. I have attached a copy of the credit reporting to this complaint.
Consumer complaint received 2019-02-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NJ)

I am a NJ XXXX account holder. Account # : XXXX My vehicle license plate number is : XXXX My account is current, and is enrolled in auto pay. For some reason my tag is not being read in NY, and I've accumulated 32 toll violations. 

I have no idea why my tag is not being read and why I keep getting violated and not recognized under NY XXXX tolls as a NJ XXXX client. 

Please refer all the outstanding tolls ( and subtract the violation amounts ) directly to my NJ XXXX account. 

I see no reason why I should be forced to having to pay toll violation fees in addition to actual toll value, as I am an XXXX account holder. If NY and NJ uses different XXXX facilities, they should be labeled accordingly and not be held under the same umbrella. 

Otherwise, I will be referring these toll violating methods to the Attorney General Office in each respective states, for predatory practices.
Consumer complaint received 2019-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

On XX/XX/XXXX we lost our home in carr fire, we had insurance which the total was XXXX. This amount was sent to Ditech financial who held the deed, we have been on time for many years and only owed XXXX. They have paid off the loan on XX/XX/2019 and sent us the letter ending our relationship with a paid in full, and we have recieved the deed. They have yet to return the remainder of our insurance claim which is XXXX XXXX. We remain XXXX  because of this and haven't been able to replace our home, we have made many attempts to find out why. They have continued to refuse to allow us to speak to anyone in charge about this issue.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA should be looked into for the closure of simple and how they migrated accounts. They locked thousands of people out of their accounts. Changed routing and checking numbers and are mismanaged the situation. Hours long hold times. Their IVR hangs up on you because they are to busy??? 

Then to top it off, charging fees to remove money from accounts when people can login. Super shady and XXXX over so many consumers. 

Simple was cool. 

BBVA ruined the experience immediately and dropped the ball hard.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit card with XXXX XXXX XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX. I tried contacting both Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-02-08
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: GREAT LAKES (OH)

In the beginning of XX/XX/2018, I received alerts informing me that my XXXX credit score went down 73 points and XXXX credit score went down 43 points due to a balance increase. I contacted Great Lakes asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted XXXX and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the 73 point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.
Consumer complaint received 2024-03-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to address a matter of utmost urgency regarding my credit report. Upon reviewing my credit history, I was shocked to discover the presence of a fraudulent account that does not belong to me. This unauthorized account has tarnished my creditworthiness and poses a significant threat to my financial well-being. XXXX XXXX
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I noticed on my XXXX XXXX a negative account which if you look at my accounts on XXXX XXXX they are all paid on time. 
an account LVNV is on my account says its origins are from XXXX so i check my XXXX XXXX  account and that account is fine and in good standing its linked to my bank account so I call XXXX and they ask me if i called the the lvnv company i said no dident know i could they said yes so i filed a dispute with both of them this was XXXX. I speak to XXXX today and they said lvnv is not removing it so i need to file an ftc report the bill is only just over XXXX us currency I could afford to pay it but why should i have to pay for something that does not belong to me. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I was at home on a Saturday ( XX/XX/XXXX ) when I noticed some unauthorized charges on my account. I had my debit card with me so I didn't lose it. I immediately called my bank ( Wells Fargo ) at XXXX XXXX on their 24/7 fraud line and filed the complaint ; This was within 24 hours of the fraud charges on my account, as the charges were not there on the XXXX. My issue still has not been resolved with my bank and my money has not been reimbursed. {$120.00} Was stolen from my account. I really need that money back and am feeling lost with my dispute being left in the " open '' status. I need help.