davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention a concerning issue I have been facing with XXXXXXXX XXXX XXXX credit reporting practices. I believe they have inaccurately reported my payment history, resulting in significant damage to my credit profile. 

Over the past few months, XXXXXXXX XXXX has been reporting my payments as late or not received, even though I have consistently made on-time payments. This erroneous reporting has led them to indicate non-payment for periods of 30 to 60 days, which is not reflective of my actual payment behavior. 

Due to XXXX XXXX XXXX incorrect reporting, my credit score has suffered immensely. As a direct consequence of their actions, another credit card servicer has significantly reduced my credit limit. This negative information has caused my credit score to drop by a staggering XXXX points, severely impacting my financial opportunities and peace of mind. 

I have taken the initiative to review my credit report from all major credit bureaus and have identified these inaccuracies specifically attributed to XXXXXXXX XXXX. I have evidence of my consistent, timely payments, including bank statements and payment receipts, which I am willing to provide as proof of my responsible credit behavior. 

I have attempted to contact XXXXXXXX XXXX on multiple occasions to rectify this situation, but regrettably, their responses have been unhelpful, leaving me frustrated and concerned about the potential long-term consequences of these inaccuracies. 

I am reaching out to the Consumer Financial Protection Bureau with the hope that you can assist me in addressing this matter promptly and effectively. I kindly request your intervention to investigate the inaccuracies reported by XXXXXXXX XXXX and ensure they comply with the Fair Credit Reporting Act ( FCRA ) and all other relevant consumer protection laws. 

XXXX is flagrantly disregarding fair practices.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

I recently rehabbed my student loans, and XXXX  XXXX XXXX transferred and updated my accounts with the new servicers. They removed all but 4, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error. 
Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  Miscellaneous XXXX  XX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Loan Companies XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter.

Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to
anyone received my credit report in the past six months.

Thank you for your time and help in this matter.
Consumer complaint received 2023-08-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Paycheck Solutions llc (TX)

I previously submitted a complaint against this company due to them crediting a loan to the wrong debit card, a debit card other than the one that i provided. That was complaint ID : XXXX on XX/XX/2023. I submitted documentation to confirm the above details, that they issued the loan payment to the wrong debit card. They replied to that complaint saying they have no active deductions, nor scheduled deductions from my paycheck. ( See attached screenshot ). 

However, now they are sending me emails threatening to garnish my wages, when I never received the loan in the first place due to them sending the loan to a debit card other than the one i provided, in writing via email. See attached screenshot of them advising they will go to court and garnish my wages ( See attached screenshot ). 

I would also like to note that they stated that they have not been able to communicate with me in their last complaint, which is false, ( see attached screenshot ) we had very extensive email communication, but they want to actually speak over the phone. I advised them that i want to communicate via email so everything is documented, and the only resolution they have offered was for me to set up a payment plan to repay the loan. 
.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BROCKELBANK INC (MI)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX  Attorney General and FTC
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

Last month I was notified by Synchrony Bank that my credit limit on my XXXX XXXX Credit Card was going down. I have never missed a payment and made above the minimum payments about 99 % of the time. There was no reason to reduce my credit line. They claim items on my credit report caused this but that is simply unfair. Credit line reductions can cause major problems for people trying to buy houses or financing a vehicle or getting business loans. This has caused that card to go to almost 100 % utilization which will lower my score and cause a domino effect. There needs to be a law that requires these credit card companies to need a solid reason to do this other than " what's on the credit report '' as it can cause a lot of damage. I have never missed a payment on anything on my credit report which makes this frustrating. I contacted them and they said I'd need to apply for an increase which I can't get because them reducing this caused my score to go down. It's completely unacceptable behavior and they are doing it because of the pandemic and trying to mitigate their losses if people default which I don't plan to do or see the need to do.
Consumer complaint received 2022-04-11
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. (AZ)

This XXXX is trying to collect that is not mine. The company Was not even able to validate the debt. At first, They reported on my credit file I was a victim of an identity thief. 
The credit bureau was able to delete it on my credit report the same item came with a different amount and different account number on my credit report. The credit bureau is taking longer the resolve this issue.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

My wife was the holder of a United Mileage Plus credit card. She died on XX/XX/2021. I was an authorized user on her account. I had to cancel the account because of her death. I transferred our accumulated frequent flyer miles to my name. 

I applied for a United Gateway Mileage Plus credit card to continue accumulating frequent flyer miles. My application was denied on XX/XX/2021 I wrote a request for reconsideration on XX/XX/2021 and was denied again on XX/XX/2021. I believe the denial was based solely on the change in my marital status because I have excellent credit.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the fair Credit Reporting Act XXXX account # XXXX below have violated my rights. 

XXXX XXXX # XXXX, DEPTEDXXXX # XXXX ( balance {$7700.00} ), DEPTEDXXXX # XXXX ( balance {$22000.00} ) 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MI)

I was charged XXXX in overdrafts even after an XXXX direct deposit was made but not posted until Monday. If the funds are available to me on Saturday then I feel overdrafts should not have been accessed because it brought my balance to a positive balance. They can afford to give money away in sweepstakes why can't they give a break on good customers
Consumer complaint received 2023-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NJ)

Between XX/XX/XXXX and XX/XX/XXXX there were transactions that where supposed to be going to checking account XXXX and XXXX. However, ended somewhere else. I reported it to fdic and they said to forward it to consumers finance to further investigate and get all the transactions to the right accounts. There were other transactions that were supposed to go to the savings account of that same accountsof XXXX XXXX XXXX XXXX. 
Thanks
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (PA)

I have Td Card Visa card. The due date for payment is XXXX. 

Sometimes I get payment envelope to pay off. I called them on XX/XX/XXXX complaing on it and decided to pay it off ( {$2000.00} ) in a different envelope on XXXX through US postal service. That day I wrote XXXX XXXX bank cheks for Mortgage and a utilty company. They all got the check. I called TD card on XX/XX/XXXX to check whether they got it or not. TD card said they did not get my check. I called again on XXXX, XXXX on XXXX and I decided to pay again the same amount by on-line to avoid late/interest charge. I always pay in full. 

On XX/XX/XXXX, I saw on XXXX XXXX account that TD card has deposited my check to encash. 

I called TD card services and said they will not refund money on-line to my bank XXXX XXXX. 
TD card said it will credit the amount for purchases. 

TD had played this game in XXXX. That time I had to ask extending due date to XXXX. Nowadays, they blame on US postal service. When asked when check was deposited for cashing, they would not reply. I live on pay check to pay check. 
Conversations recorded. 

XXXX XXXX
Consumer complaint received 2023-09-15
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: Experian Information Solutions Inc. (PA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-09
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION (ID)

I started receiving calls from XXXX XXXX 6 months ago telling me that they are a debt collection company representing Fifth Third Bank and that my file was placed with them for collection. I thought someone had stolen my identity because I knew I had never had an account with fifth third bank so I started to file a report with identity theft.gov. In filing such report they ask for information from the original source of debt. So I called Fifth Third Bank on XX/XX/XXXX and they said they could not find anything in their system with my name or social security number and even if the account had been closed they would still he able to pull it up. They advised me to ignore the calls. I've been called every day since though and the calls start early morning and stop after 10pm sometimes. They call every hour and I've had to just turn off my ringer because they drive me crazy. I've tried blocking the numbers but they call from another. They have left me several nasty voicemails which I have saved for proof if needed.
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (DC)

Unauthorized inquiries on my Equifax credit report that I dont recognize with names and dates as follows : 1. XXXX - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX - XXXX XXXX - XX/XX/XXXX 7. XXXX - XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX  - XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX  XXXX XXXX  - XX/XX/XXXX 11. XXXX XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-04-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

I am sorry to say I did not keep records of the dates I contacted Toyota Financial. But I can tell you I've talked to at least 10 different Reps and 1 Manager. I have paid my car payment on time EVERY month plus {$100.00} Extra accept I didn't pay the extra in XXXX or XXXX. They have now turned me over to their collection department saying I owe them {$200.00}. They even sent me an itemized statement showing my payments and still will not acknowledge they have made a mistake. They are trying to ruin my credit and over money I don't owe them. All I can say about Toyota Financial Services is Buyer beware. And they don't have an email you can send your information to. You either have to FAX it or snail mail it.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

I reached out to this company on a number of occasions and let them know that this was identity theft. This was open without my knowledge and permission. I let them know in writing that I had a police reports and my information was stolen. You can check address and signature like I told them too and no response
Consumer complaint received 2022-04-13
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)

On XX/XX/2021, I filed a dispute with Experian Credit for the following accounts : XXXX XXXX * Grossly inaccurate reporting ( Reporting Account as Delinquent when Payments Were Made Timely ) * Per CFPB was to be removed from my credit file on XXXX XXXX XXXX XXXX * Third party collection agency that did not supply original debtor 's information * Claimed delinquent account shows on my Credit Report from Original Debtor ( Reporting an Old Debt As New ) In accordance to the Fair Credit Reporting Act, the ( 2 ) Above sourced accounts should have been removed from my credit report and subsequently my credit score should have been restored with positive points. Not only did Experian not do this, they adversely removed points.
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (PA)

Our regular monthly payment for our mortgage ( same payment as we've always made ) XX/XX/XXXX was mis-categorized as an early principal payment. 

Our monthly payment ( due XX/XX/XXXX ) then began to show as past due in the web portal. We were not informed of this, but had to discover it ourselves. 

We called and were told by a representative that this would be corrected, but it wasn't and we had to again discover for ourselves that it was not ( again through the web portal ). A second representative told us the case had been closed with no action taken. 

It's also pertinent that Chase 's web payment form *asks* whether you'd like a payment applied as normal or as " additional principal '' and their system recorded that we did *not* accidentally select that option. 

It's extremely convenient that Chase would determine that, the very month the US Treasury yield shot above our mortgage interest rate, they would decide for us that we should seek an early payoff despite our telling them otherwise on two occasions.
Consumer complaint received 2022-04-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Experian confirmed verified XXXX XXXX XXXX as verified as accurate. I requested reinvestigation procedures to determine accuracy of verification. I did not receive the information.
Consumer complaint received 2022-04-13
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: TRUIST FINANCIAL CORPORATION (MD)

XXXX 'XXXX XXXX XXXX XXXX XXXX XXXX for obtaining pre-qualification rates from various lenders for personal loans states the inquiry is soft and will not affect your credit report ; however, XXXX, will run an unauthorized hard inquiry based on the information provided by XXXX. I have noticed that no inquiries, hard or soft, by XXXX in the last two years have appeared on my XXXX credit report but DO appear on my XXXX credit report. 

XXXX should be investigated due to their unlawful operating procedures regarding unauthorized credit report attainment.
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2022, I was purchasing a software product and the vendor only accepted PayPal. Paypal does not allow a guest option, so I was FORCED to open an account to complete the transaction. I tried to close the account and remove my XXXX XXXX card from their system. They have " locked '' the account until I upload my drivers license AND a copy of my XXXX XXXX Statement, then they will unlock the account and allow me to remove the card and cancel the account. 

I consider this being held hostage. I did not want and do not want a PayPal account. I have brought this to their attention and the only response is them FORCING me to upload identity documents to cancel the account. The vendor received their payment.

I do not understand why 1. I was forced to open the account and 2. Why can't I close it
Consumer complaint received 2019-04-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (OH)

Just recieved notice from XXXX XXXX that a new collection company, common wealth finacial, put a debt on my credit report for over {$500.00}. I never recieved written notice or any phone calls at my home address even advising me that i had a debt. The dates open say from 1 month ago. I have no knowledge of this debt. I believe this is fraudulent account. Because of this my credit score dropped 7 points. The best part is that it says the account was opened 1 month ago. I want to bust this company for doing this to me. I looked up common wealth financial and they have a reputation for showing up on credit reports. Thank you for you help
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose