davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Ive been working on my credit and got a lot of items deleted Or paid off and my score only moved up 1 point called to ask them about it they said something about factors something is not right with that 3 things on my credit was taken care of and my score only moved 1 point thats not right and they are also reporting and account thats current delinquent
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I need a background check to be ran by a prospective employer. I've created an account. I'm trying to download my information on the site. It's not accepting my dispute or any of my information. They are asking me to fax my info but now I'm very particular about doing so because I don't trust them especially after hearing about a security breech. All I can say it's costing me a job and now I'm at risk of being unemployed all because I can't update my address to my current one on their website!!!
Consumer complaint received 2021-04-11
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: EQUIFAX, INC. (AZ)

On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on XX/XX/2021, I sent in a 30 day demand letter ( see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that this item be immediately removed and deleted from my credit report.
Consumer complaint received 2020-06-04
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. (IL)

I filed a chapter XXXX bankruptcy in XX/XX/XXXX that was discharged in XX/XX/XXXX. Every collections account I had has been updated showing discharged in bk/closed, but one account. My account for XXXX who's collecting through XXXX XXXX XXXX is the only account still showing as an open collections account but should be reported as discharged in bk/closed. I've reached out to the Collections company in addition to XXXX and Experian to dispute the incorrect status and nothing has been done.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Transunion where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- - XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX ) XXXX
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Identity Theft : USAA Checking/Credit card Sent to former address Close, please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I'm on XXXX and the State of New Jersey Department of Labor and Workforce Development  sent a debit card that I never received. It got stolen and I reported it to Bank of America. They even sent me a letter saying that the the card has been subjected of fraud. The amount stolen was {$4400.00} and the Bank of America sent me a new card but with only {$22.00} left on the card. The bank did not put the said amount to my new card and closed the case even after admitting it was all stolen. I've been calling numerous times. I spoke to a lot of people but I lost some of their names. They usually tell me to wait, hang up, reopen the case, or that I will be getting the money the end of the month of XXXX. The recent people I spoke to was XXXX who says I will be getting a letter from Bank of America. Then I spoke to XXXX who says they'll reopen the claim and to wait. Then just spoke to XXXX and he said I will get a call back from the supervisor. I mean this is a horrible bank and how can they say all these lies to a customer whose money was stolen. They have no conscience ; it's pandemic and I'm really hoping u can help me please. Thank you. Sorry about the mess on the letter, I take notes on it from the calls.
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

Experian Reply XX/XX/19 Complaint ID XXXX has not justified to why XXXX XXXX XXXX was removed. I did not request it be removed. Experian reply has stated or justified the removal of XXXX XXXX XXXX Report # XXXX for XX/XX/19 shows XXXX XXXX XXXX Report # XXXX for XX/XX/19 shows XXXX XXXX XXXX Also there was no request by me to remove it. I paid the account on time. The account was paid off and closed and should show that. I also have last year print outs as the loan for XXXX XXXX XXXX. 
I want to no why the account was removed I did not request no removal nor can Experian show any letter or request with my signature or any other form of documents requesting the removal o ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2021-10-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (TX)

I have already told them I recently ( 2 months ) had XXXX and was out of work. They continue to call all day and even have other branches in other cities continue to call all day. 
O am sorry I can not pay at this time due to I list my job but the harassment has got to stop
Consumer complaint received 2021-04-11
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. (AZ)

On XX/XX/2021, I sent in a letter disputing and challenging unauthorized and fraudulent inquiries being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax investigate these non-account holding inquiries. In addition, on XX/XX/2021, I sent in a 30 day demand letter ( see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that these unauthorized inquiries be immediately removed and deleted from my credit report.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

Hi, I was just charged a late fee by Citibank on a new credit card account. I did not receive a statement in the mail, so I did not know that a payment was due. I just made the payment in full for {$60.00} on the Citibank website. I asked them to refund the late fee, but they refused. I noticed that they had this account set up for paperless statements, which I did NOT request. Therefore, I would like the fee refunded. I have been a long-time Citibank customer and I keep my account current. 

Thanks, XXXX XXXX
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (RI)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-04-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Funding has duplicated the account on both my XXXX & XXXX Reports after I challenged them to verify and authenticate the account and refused to investigate my signing any documents or contract legally with my signature with Midland Funding. Midland Funding never investigated the account and refused to look at what they reported to XXXX & XXXX but instead retaliated by duplicating the account on my 2 reports which tanked my credit score. This tactic has hurt my scores. The account lists for {$630.00} for Midland Funding ( XXXX XXXX XXXX ).
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Experian is reporting a bankruptcy on my credit report that it has not properly verified. It is showing a bankruptcy with US Courts in XXXX and it has not properly verified this information with the courts in XXXX. Experian is using a third-party company to place information on my credit report that is damaging to my status. I need them to properly verified this with the courts-that means that they speak with someone at the court and provide me the name, time that they spoke with, and the information that was given to them by the courts. Without that proper verification, they can not continue to report inaccurate information about me. 

I have contacted the courts myself and was told that they did supply Experian with such information. Therefore, Experian is showing information that they themselves have not verified but putting on the report as a true statement. 

I have contacted them and they have refused to properly verify this information. They have reported that it's been verified through their third party company. But not properly verified through the court that they are listing that I have filed bankruptcy with. 

Unless they contact the court and get the name of the person with whom they spoke, their identification number, the time and date that they spoke with such person and the results that was given to them, they are just reporting false information from a third party company that is selling information for profit-so they will report any inaccurate and false information just to get paid. 
Please correct my report and remove and delete this information from my report.
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

To Whom It May Concern : On XX/XX/XXXX i went to XXXX XXXX store to buy a cloth, the cashier suggested me to open a credit to save 10 % so i did it. i put the first purchase in the amount of {$58.00} in the credit card. on XX/XX/XXXX, i received a called from credit card company telling me that i did n't make the payment, i explained to her that i never received the credit card or statement that is why i did n't make the payment. i told the representative i would like to make the payment and keep my account with XXXX balance, as we agreed i make the payment of {$58.00}. 
On XX/XX/XXXX, i received a statement with the late fee, i spoke to manager XXXX, she said i have to pay for late fee. due to payment of {$58.00} was on second day of cycle period. she refuse to do anything. so i told her i would not pay any of fee and i ask her to close my account. she said she will. however, she never did. i still got hit with late fee after late fee. 
the credit card company refuse to close my account, just keep hitting me with the late fee and interest charge. as consumer i felt very unfair, i never receive the credit card, never use the card, and I already make the full payment, i should n't need to pay for all the fee.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (AR)

My credit has been bad for years. Yes, I have student loans. Yes, I have some bad marks on my credit, BUT I have positive also. I have worked my way into having enough income to pay everything on time. I have had on-time payments for over a year. Is there no chance of ever improving my score no matter how long I pay my bills on time? I have under {$2000.00} in bad marks, but thousands and thousands of good ones. I am paying on my {$1800.00} in bad debts every. month. Is there no balance? This is in both XXXX and Equifax. I can't get anywhere. I can't get loans at any kind of reasonable rate. I can't get a home loan. I can't get anything. I am a XXXX-year-old XXXX XXXX XXXX holding, full-time working, tax paying citizen that can not get a higher credit score. The parameters needed to improve my credit score are too harsh and people like me need some kind of relief in sight or what is the point of moving forward?
Consumer complaint received 2021-08-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

I was with another company back in XXXX 2021 and Lakeview refused to send my pay-off for months so I could close my loan. When they finally sent it my loan lock was no longer valid and they stated I must start over with a higher rate and more money to close my loan. They send me a pay-off in XXXX and back dated it to XXXX claiming it was sent when I never received it and continue to contact them. 

Then Lakeview sent me a notice that they would do my refinance and I completed the application for them to do it at the reduce rate. I elected to select my own attorney on my disclosures. I understand there was a delay because the other loan officer left the company and it took a week to get my case number transferred. Than XXXX XXXX from Lakeview gave the wrong information and my case was transferred somewhere else for a timely close. Than it took them a week to transfer an case number that was internal to their company " LAKEVIEW '' for my file to be sent to underwriting when it takes 5 minutes to go to FHA connection to get the case number properly assigned.

I applied for a loan with Lakeview Loan Servicing in XX/XX/2021 and they pushed me around and never did my application until XX/XX/2021. They have transferred my loan to XXXX different loan Officers and XXXX different processor. Each time I keep getting a different story about the status of my loan. This is a simply FHA steam line refinance without income or appraisal. I asked them to lock my loan at the 2.875 % and because of their delays they are going to try and make an attempt to make me pay for lock extension. 

Now, the PROCESSOR not the underwriter is refusing to submit my loan to underwriting claiming it's a requirement that I pay my XX/XX/2021 payment or they will not submit my loan. THAT IS NOT A REQUIREMENT OF FHA PERIOD! I am a XXXX female and they have continually discriminated against me and violated my rights. I selected that I wanted my own closing attorney on my application and the processing company Lakeview used decided to that they would put my loan with a sister title company that they have relationship which violated my rights as a consumers to pick my own closing attorney. NOW, they continue to violate my rights and refuse to send my file to underwriting. My loan is not 30 days delinquent and when I pay that payment is none of their business as long as I'm not 30 days delinquent and It is not a requirement to refuse to send my file to underwriting. Because I told them they violated my rights to pick my own attorney, they have been doing every thing that they can to Sabotage my mortgage loan refinance.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 than 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 2024-03-02
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: EQUIFAX, INC. (CA)

XXXX has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using XXXX a my primary bank account for about XXXX years. and they have failed to create a credit score for me. Applied for the XXXX Credit Card on XX/XX/year> ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with chime on this and they have replied with " everything is correct '' - which it is not. Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with XXXX, Equifax and XXXX. I also want XXXX to cover the {$350.00} I had to spend to open this new account. Please find all the attached Credit Card statements that chime has not reported to the credit bureaus I recently called XXXX who said that XXXX as not reported my credit score. I called chime and they asked me to take it up with XXXX. 

On talking with XXXX, they said I can't dispute something that is not there on my credit report.
Consumer complaint received 2021-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (NM)

Ive been a victim of identity theft and there are 2 medical bills on my credit that keep sending in bad reports that is damaging my credit. Ive explained to them that it was not me and I have a police report with number, and they are still on my credit.
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NY)

i've been paying off a credit card slowly because that product they provided broke and ripped and i told them and they provided me no credit so i still have to pay off this card. i'm getting angry, so i refused to pay, and they will not stop calling me today it's sunday by the way. they called me at XXXX - XXXX and XXXX already and it's XXXX XXXX  XXXX on sunday XX/XX/XXXX. they did this every day two months ago 10 times a day for a month and i endured it but i've had ENOUGH. this is HARRASMENT, once a day is fine but 10 times for two months? 

for the love of XXXX there name is comenity bank, victoria 's secret. they are harassing me.
Consumer complaint received 2020-09-21
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: BARCLAYS BANK DELAWARE (FL)

Company A - XXXX  XXXX XXXX - reported when a fraudulent purchase put an unknown balance on my card and it became past due because the company failed to notify me. 

Company B - XXXX - put me over the limit with their own fees and never called me or emailed me to reduce the balance.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION (FL)

I have a Regions credit card and was charged a few small charges. I had auto-pay set up to pay off that credit card from an Regions account. 

The credit card charges never got correctly paid and each time the autopay tried to pay the credit card bill, it was kicked back. I never realized that my small credit card bill was not getting paid off correctly like it always had been in the past. Regions never notified me- never called, emailed or told me in person this was happening. I made proper efforts to auto-pay my credit card from my Regions checking account and it was not applied correctly. 

Regions then proceeded to place a derogatory claim against my credit and severely lowered my once great credit score. My credit score was once XXXX and is now XXXX because of this error. A payment of {$60.00} that should have been paid via the autopay I had set up from my Regions account which has always had sufficient funds in it has now ruined my otherwise great credit. I pay off in between $ 20,000- {$40000.00} worth of credit cards every single month with zero late payments on my other credit cards. 

I went into Regions to try to resolve this issue and they blamed it all on me and were not willing to help in the resolution of this issue. 

I've attached documents showing several of my statements to clearly show my ability to pay and the willingness and attempts to pay via autopay.