davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (TX)

On XX/XX/40, this debt collector called my boyfriends dad and left a voice message about a supposed debt I owe. I have no record of owing a debt to this company and I have never received any validation that I owe this debt. Direct Recovery Services violated a FDCPA law, which does not allow debt collectors to leave messages with third parties.
Consumer complaint received 2019-08-17
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. (CA)

I am uncertain as to WHY these late payments are present on XXXX XXXX I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report
Consumer complaint received 2023-03-29
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. (RI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX, XXXX XXXXXXXX Balance : {$1500.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2018-07-26
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX : XXXX   2.XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX   3.XXXX XXXX Equifax : XXXX, XXXX : XXXX, XXXX : XXXX   4. XXXX XXXX XXXX XXXX XXXX : XXXX  5. XXXX XXXX   Equifax : XXXX, XXXX : XXXX XXXX : XXXX
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was robbed of my purse and the person took my purse with all my ID and personal information. Now I have unauthorized fraud inquires on my credit report. Some were deleted but Transunion did not delete them all
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OH)

Chase and United Airline prominently display their advertisement about the incentive. I purchased United Airlines tickets on XX/XX/2020 with the understanding that {$250.00} statement credit would be posted to my United Explorer credit account. However, Chase conveniently claims that the purchase and the credit card application did not happen during the same session. Therefore, I am not eligible for the credit. As much as I tried to do both in the same session, my online application did not go through. There was no warning or alert regarding the condition of failing to secure the credit. If I had known the buried fine prints, I would have not gone through the hassle of applying Chase United Explorer credit card.
Consumer complaint received 2018-07-26
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: Experian Information Solutions Inc. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. Please help me get these items off my credit report so I can move on with my life. I really need attention to this matter as I now have full custody of my XXXX year old son and need to get this resolved. 


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 ( Experian : XXXX   XXXX : XXXX  ), XXXX XXXX XXXX ( XXXX : XXXX ), XXXX  ( Experian : XXXX, XXXX,XXXX,XXXX XXXX  : XXXX, XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX  ) , XXXX XXXX XXXX ( XXXX : XXXX ) , XXXX XXXX ( XXXX : XXXX ) .
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (NY)

In XX/XX/XXXX, I opened a BMO Harris checking and savings account. I received the bonus as advertised on the savings account, but did not receive the bonus on my checking account. The bonus was in the amount of {$300.00} and was to be paid within 120 days. It is now XX/XX/XXXX, and the bonus was not paid. XXXX XXXX XXXX via chat on XX/XX/XXXX verified that my account met the requirements. Shortly after, I called the number provided and was told to wait a little longer for the bonus to post. I have waited for the statement to close, and the bonus is still not posted. Chat attached.
Consumer complaint received 2021-07-14
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. (CA)

XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act. California Rosethal Act. I paid my payment before the XXXX day on 4 payments reported by creditor strting in XXXX Two times I was credited on the XXXX day and the creditor reported it 30 days late. In XXXX of XXXX they reported XX/XX/XXXX payment 30 days late in retaliation to my complaint. 2 month after. I have sent them the proof. I was able to use the proof with XXXX  who removed the 4 30 day lates
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

I am uncertain as to WHY these late payments are present on XXXX  ..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (NC)

I ordered furniture in XX/XX/XXXX. Was told that I would receive it before XX/XX/XXXX. Then I was I formed that I would receive it in XXXX. It kept getting delayed until mid-XX/XX/2021. I received my furniture damaged on XX/XX/XXXX. I I formed the store manager on XX/XX/XXXX. No one reached out to me to discuss until XX/XX/XXXX. I informed them on XX/XX/XXXX that I wanted a refund. I was told that they must pick up furniture first. I kept calling and emailing regarding the pick up but nothing. I called customer service and was told that the store manager put in a request on XX/XX/XXXX. Its been almost 4 weeks since I informed them that I want a refund for the damaged furniture and the store is holding my money hostage. This company did not hold up their end of the contract. They have had my money for 7 months and gave me damaged goods.
Consumer complaint received 2020-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (AL)

I received an alert on my credit filed for a hard inquiry at SunTrust Bank from the opening of a checking account. I contacted the bank and spoke to a live person, reported the fraud and was told that an investigation would be opened and I would be contacted the following day by someone in the fraud department. No one called on Monday XXXX so I called on Tuesday XXXX and was told that the information was no longer in their system, that the fraud was reported to the credit bureau, and that I should receive a letter in the mail. I received correspondence in the mail on XXXX but it was a debit card with information on the new checking account. I attempted to call but their offices were closed due to the holiday weekend. This response is completely unsatisfactory. I have never opened an account at SunTrust or any of their affiliates and I am upset that they have not taken this matter more seriously and attended to resolving it expeditiously. It is an indication of how personal information is carelessly handled within their institution. My name is misspelled on the account/card, anyway.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I made a purchase on my Sportsman 's Warehouse card ( Comenity Capital Bank ). I had previously had my account setup for automatic payments of the full statement balance. Roughly two weeks prior to my payment, I cancelled the automatic payment, receiving email confirmation that it was in fact cancelled and that a payment would not be withdrawn. I then setup a new automatic payment of {$400.00} per cycle. I also received email confirmation of this. Forward to my payment date of XX/XX/30 and a payment of {$1100.00} is instead taken via ACH from my checking account. I notify them immediately and am told they will take care of it. After a week, nothing is done and I called back. I was told that it can take 14-21 business days for them to credit back the money they removed from my account without authorization. I was told that a " system error '' caused this. I asked to be compensated for the issue and the theft of nearly {$750.00} from my checking account. To date they have refused to do so. I have asked for a call from their " refund '' department and have had no return contact.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid 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: REGIONS FINANCIAL CORPORATION (AR)

I have a credit card with Regions bank. I made my Regular cc payment on XX/XX/2021 in the amt of {$290.00} using my XXXX  XXXX XXXX XXXX XXXX account. On XX/XX/2021, I made a double up payment of {$930.00} using my XXXX account. I was told it would take XXXX to XXXX  days to post. Within that time I noticed the money hadn't posted so I called in to Regions. I was told that the payment still hadn't processed at that time I was informed by Regions credit card department that they could cancel the transaction then process a new one. I decided to do a new transaction. A few days passed when I noticed Regions had collected the money. Shortly after, I noticed Regions bank had debited my account for another {$930.00}. I asked for them to return but they replied that they can't return my money because it's a non Regions bank account. As of today, they have failed to return my money to me. I asked if they could forward the {$930.00} they took from my account and deposit it into one of the Regions bank accounts my boyfriend has with Regions being that he's a business owner and he has me listed as the authorized user as well my name is on his accounts, having the privilege to discuss his accounts or make necessary changes, Regions have denied me asking if they could deposit the money into a Regions account with me being the authorized user and my boyfriend speaking with Regions bank credit card company authorization to allow me the right to be able and have my money Regions took from my non Regions acct to be deposited into his Regions XXXX  account.
Consumer complaint received 2022-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

My principal residence is located at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. 
On XX/XX/XXXX I obtained a HELOC for {$100000.00} from XXXX XXXX XXXX XXXX XXXX. Subsequently the loan was transferred to GMAC Mortgage. As a result of the XXXX Mortgage Meltdown I proceeded to negotiate a settlement of this account with GMAC. On XX/XX/XXXX GMAC accepted a settlement of {$30000.00} for the satisfaction of this loan as referenced in the enclosed letter and copy of Check # XXXX ( Exhibit A ) for purchase of XXXX XXXX cashiers check. 
I was notified by my Title Agent that currently PHH Mortgage is the holder and servicer of the note for this HELOC and that there was no Satisfaction of Mortgage recorded for same. 
On XX/XX/XXXX I contacted PHH Mortgage and spoke to manager XXXX # XXXX and requested the Satisfaction of Mortgage. 
On XX/XX/XXXX I received via email a copy of the note and the mortgage but no satisfaction of mortgage. ( Exhibit B ) The note that was produced is in the name of XXXX XXXX  and as such does not have the required Transfer stamp or Alonge to PHH. PHH has no rights to this note yet they claim that there is no satisfaction on record and offer no means of resolution for same. 
As previously mentioned this loan was settled in full with GMAC on XX/XX/XXXX and I am entitled to the Satisfaction of same. 
Recent title search attached. ( Exhibit C ) Mortgage Electronic Registration System records. ( Exhibit D )
Consumer complaint received 2023-02-16
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: CLGF Holdco 1, LLC (CO)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 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. 15 USC 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.
Consumer complaint received 2021-05-05
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)

I reviewed a current copy of my credit report and I show listed inaccurate or unverified accounts that are continuing to cause issues. I sent a dispute to the the creditor and also to the credit bureaus and have not received and results to investigation and it is beyond FCRA timeframe to complete dispute. The company listed is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) and account number is XXXX. I also understand that per this account that it is a direct violation for FDCPA and account is showing an open balance of {$4700.00} which per law balance must reflect as {$0.00}. This is a continued issues and I am currently attempt to purchase a home and not able to do so because of this alleged account.
Consumer complaint received 2023-03-29
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (IL)

On XX/XX/2020, I received a notice from Sequium Asset Solutions that they were collecting a debt I owed to XXXX ( see attached ). I do not recognize the debt or believe that I owe anything to XXXX or Sequium, so I sent a validation letter ( attached ) asking for additional information about the debt. I sent the letter to the address provided on their letter asking that they stop collection efforts until they provide me information proving that I owe the debt they are trying to collect. 

I did not receive any of the information I requested in my validation letter. I did, however, receive calls from Sequium attempting to collect the debt on XX/XX/XXXX and XX/XX/XXXX ( see attached phone records, relevant calls are highlighted ). On both occasions, I answered the call and explained that I sent a validation letter and I need further information about the debt before I was willing to discuss payment. I further advised that further attempts to collect the debt are in violation of the Fair Debt Collection Practices Act, at least until they can provide the requested information. On both occasions, the person I spoke to advised me that if I have questions about the debt, I will need to contact XXXX XXXX billing department and that they do not have to provide billing information since they are collecting on XXXX XXXX  behalf. 

I have continued to receive calls from Sequium Asset Solutions,  most recently on XX/XX/XXXX, twice on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached cell phone call logs ).
Consumer complaint received 2022-04-27
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. (GA)

I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MA)

I have attempted multiple ( 30+ times literally with 6+ Different authorization methods ) to prove to Citibank I am real. Ive given them multiple phone numbers, which they state they cant use to authorize account, authorized via portal multiple times, sent demand letters x2 ( Im attaching their most recent response to my sending a signature card per their request, a selfie, a copy of my license and others ). 

They refuse access to account. Meanwhile Im on ssdi with no acceSs to money. Help, please.
Consumer complaint received 2019-08-12
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. (NY)

XXXX has 4 hard inquiry on my account which I never made And the address is incorrect I haven, t lived at that address for 12 years my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX also Transunion has 1 hard inquiry I did not make XXXX XXXX   email me and stated my information was in the black web XXXX about 3 months ago somebody called me had all of my information on a XXXX  XXXX XXXX Ask me how pay this bill this card was cancelled a while ago I call my XXXX XXXX XXXX I was good with them it was a fraud my email is XXXX XXXX
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (SC)

my complaint ID. # XXXX Shellpoint mortgage. 

After the initial complaint from me to cfpb, Shell point investigated my complaint. I received the investigation results back from Shellpoint ( XXXX XXXX XXXX Department ). They stated that they will not remove the late notification on my credit report in XXXX. Their reason was the payment was outside the 30 day payment period. The initial mortgage payment was made on XXXX XX/XX/XXXX but due to the inaccurate information on their IVR it is was not credited till XXXX XX/XX/XXXX. That was when i was notified by another mortgage company I had a late payment. I called Shellpoint ( XXXX XX/XX/XXXX ) spoke to their representative who track down the problem ( inaccurate information on their IVR, there over the phone payment system ). made the correction and i paid XXXX as well as XXXX mortgage payment. Shell point admitted they can see on the record where their representative made the updated changes. Why are they still holding me accountable for the late payment in XXXX.