davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MD)

I opened a XXXX Mastercard by Comenity Bank on XXXX.The account was closed by Comenity Bank in XXXX sinceI started in a debt relief program : Freedom Relief Debt Program. I remembered I paid in full my account ; however I received a debt collector letter from XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX SC, XXXX. This collection XXXX Reference Number was XXXX.The outstanding amount is {$7300.00}. 

I am trying to get the information that I paid in full the XXXX Master Card so I searched my credit report to verify when this credit card was closed but I do not see any information of this credit card opened with a balance or closed. 

I had called XXXX Mastercard to get information twice ( XXXX ) regarding this credit card and they said that the account was closed and paid in full but they do not give any letter verifying this information so I can send it to XXXX XXXX XXXX XXXX XXXX and closed this debt collection. 

I am submitting this dispute to be able to find out why is this XXXX Master Card appearing has a debt collection when it was already paid in full in XXXX
Consumer complaint received 2018-02-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Disputed fraud on my Transunion report of an account showing on my credit report through Transunion and XXXX. Both are reporting the account but have not provided notification of the account for XXXX XXXX. Informed them of the problems and disputed and did not verify any results and findings about the account. They did not provide proof of a contract with my signature
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (TX)

Trying to activate a new card but when I call the number on the card and puts me on hold and ask to wait for the next worker. I have call on XX/XX/20 from XXXX to XXXX, XX/XX/20 at XXXX to XXXX and called on XX/XX/20 at XXXX to XXXX and I have not gon na a single person. There is no other way to activate the card and so im stuck at what to do cause now my money won't have anywhere to go.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SIMMONS FIRST NATIONAL CORPORATION (TX)

My mother passed away in XX/XX/XXXX. Due to the accounts being representative payee accounts, I had to go through probate to close the accounts and disburse the funds to my brother and me. On XX/XX/XXXX, I was appointed as the Independent Administrator of her estate. At this point, I talked to my attorney and was told that due to the nature of my mom 's assets, I wouldn't need an estate account and could disburse the funds directly from the existing bank accounts. On XX/XX/XXXX, I went to one of the bank 's branches to get the accounts numbers and balances to provide the court. After showing the employee the death certificate and my Letter of Administration, I was told she would have to send it to legal to review because she didn't think I had the right to the information. She told me I would hear back in a couple hours. I waited over a month to hear back from her and never did. On XX/XX/XXXX, I went to a different branch to request the same information. I was given the same response by this employee. I told him that his legal team already had the documents. The next day, he called me and said someone else, outside of their legal team, reviewed it and I could get the information I requested. On XX/XX/XXXX, after finishing the probate process with the court and them approving my filing, I confirmed again that I would not need an estate account, then I called the bank to confirm that I had everything I needed to close the accounts. I was told that yes, I had what I needed and they could close the accounts and disburse the funds to my brother and me. On XX/XX/XXXX, I went to the bank and spoke with the branch manager. At this point he told me he would have to check with their legal team about whether I need an estate account or not. I was told I would hear back in a couple hours. On XX/XX/XXXX, he called me back and said that I would need an estate account. He also confirmed that the documentation I had was exactly what they needed, and if I also got a tax ID number, I could open an estate account to move the funds to. On XX/XX/XXXX, I went to the bank with the documentation and a tax ID number. I spoke to the assistant branch manager. After looking at my documentation, she told me she would have to have their legal team review my case because my Letter of Administration is more than 90 days old. I was told I would hear back in a couple hours. On XX/XX/XXXX, I filed a complaint with their corporate office. As of XX/XX/XXXX, I still have not heard from the assistant branch manager. This morning, XX/XX/XXXX, I filed a second complaint with the bank. I was also told that when they reached out to the assistant branch manager, she said she was not familiar with the situation.
Consumer complaint received 2021-08-19
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. (MD)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-XXXX-Balance : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX  XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX
Consumer complaint received 2020-11-05
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: Experian Information Solutions Inc. (FL)

Please remove the items in Identity theft because they are not belong to me and not related to any transactions made by me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (LA)

Their refusal to have the accounts removed has ruined my life and especially my credit. The department of education has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with Navient and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXXand they are all the same accounts.
Consumer complaint received 2021-02-14
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I completed my bankruptcy and requested my title and asked could this be removed from my credit report since they reported it as dismissed and my case was discharged I spoke with XXXX and he said he would send the title and have this removed they in turn added a XXXX plus loan back on my credit report after my bankruptcy case was discharged which violated the bankruptcy code Im asking this to be removed
Consumer complaint received 2021-06-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BK OF AMER XXXX- I am not satisfied that you have efficiently fulfilled the policies of the Fair Credit Reporting Act in doing your investigation. Please re-investigate the information or eliminate this account. 
XXXX XXXX XXXX I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXXL XXXX XXXXXXXX-Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I was looking through my report and noticed there are some addresses that don't belong to me, along with the phone numbers below : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

There are 8 late payments on my credit from Nissan acceptance Corp regarding my payments. I ask for payments extension becouse i have a family emergencies and I have to pay other loans so they dont go to collection. Some payments there were revarse of froud in bank. The payments are from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Please help me fix this errors from my credit reports and have Nissan acceptance Corp correct this mistakes. My name is XXXX XXXX account number XXXX
Consumer complaint received 2018-02-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. XXXX XXXX XXXX  XXXX was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account and my credit card was compromised. I reached out to XXXX XXXX several times but they wont help me. I've notified XXXX multiple times but they won't remove it off my credit report. USAA also has a missed payment on my XXXX credit report that needs to be removed, I was never late on.
Consumer complaint received 2018-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (CA)

I ETS out the XXXX XXXX XXXX 2014. In order to clear the post I had to settle all debts. One was to XXXX and the other was to the AAFES on post. With my severance pay I got from the military. Both companies then took payments out my severance package so I can complete my clearing. I've never stepped inside another military AAFES after I got out.
Consumer complaint received 2021-06-08
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: Adler Wallach & Associates, Inc. (CA)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Consumer complaint received 2021-06-08
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: DISCOVER BANK (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Consumer complaint received 2020-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax has failed to verify the validity of the alleged debt and the original debtor has incorrectly reported the balance which should be {$0.00}. 

Im writing to formally dispute the following Account : XXXX XXXX {$5100.00} Original Creditor XXXX  XXXX / XXXX XXXX A careful examination of the submitting documents will clearly and factually demonstrate that the charges submitted to your agency were grossly and intentionally misrepresented. 
The landlord grossly and intentionally misrepresented the alleged debt owed by submitting inaccurate and fraudulent charges to a credit reporting agency ; specifically the landlord charged {$3500.00} for reportedly Insufficient Notice Fee-Sam. In addition to Lease Termination Fee-Sam. {$1600.00} and lastly a XXXX XXXX/XXXX/XXXX XXXX XXXXl/XXXX XXXX XXXX XXXX XXXX {$430.00}. SEE ATTACHED : NOTICE TO VACATE. 
I DID NOT FAIL TO GIVE SUFFICENT NOTICE AS INDICATED IN THE ATTACHED FINAL INVOICE. THE LANLORD DEMAMDED IMMEDIATE POSSESSION OF THE PROPOERTY VOLUNTARILY. 
THERE WAS NO BALANCE AT THE TIME PRIOR TO THE LANLORDS REQUEST TO IMMEDIATELY TAKE POSSESSION OF THE PROPERTY. THERE WAS A CREDIT. 
The landlord failed to follow applicable laws demanding possessing of the property within 24 hours. In addition, I ( tenant ) did not fail to provide Sufficient Notice, neither did I voluntarily surrender the property or terminate the Lease. I was not given the opportunity to formally and legally dispute the Terms of the Notice to Vacate. Lastly, the Landlord failed to file any Eviction in the appropriate court jurisdiction. There was not delinquent balance.

The Landlord failed to provide the sufficient Notice as required by : Texas Property Code 24.005. Notice to Vacate Prior to Filing Eviction Suit ( a ) If the occupant is a tenant under a written lease or oral rental agreement, the landlord must give a tenant who defaults or holds over beyond the end of the rental term or renewal period at least three days ' written notice to vacate the premises before the landlord files a forcible detainer suit, unless the parties have contracted for a shorter or longer notice period in a written lease or agreement. A landlord who files a forcible detainer suit on grounds that the tenant is holding over beyond the end of the rental term or renewal period must also comply with the tenancy termination requirements of Section 91.001.

THERE WAS A CREDIT WHEN THE LANLORD VOLUNTARILY DEMANDED POSSESSION OF THE PROPERTY NO LEGAL EVICTION WAS ISSUED BY THE APPROPRIATE LEGAL JUSIRSIDICTION ; NEITHER DID I VOLUNTARILY SURRENDER THE PROPERTY WITHOUT PROPER NOTICE.

THE LANLORD TOOK IMMDEIATE POSSESSION OF THE PROPERTY WITHOUT GIVEN SUFFICENT NOTICE XXXX XXXX XXXX SS # XXXX
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NY)

Around XX/XX/21 my adult daughter who is a business woman, said a woman called her and asked for information about me. My daughter said the woman was extremely rude and thought my daughter was myself, My daughter told her she would not give out information about me to this rude woman! I later recieved a voice mail on my phone from this woman who was yelling that she sent someone to my address and I was not there! She continued to yell a say I need to contact her because the will be serious consequences, My daughter has her own home, so this woman searched for relatives with the same last name as mine and used bullying tactics, This is a credit card debt I could no longer pay due to job loss and a recent divorce.
Consumer complaint received 2020-11-03
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. (CA)

XXXX has sent a 1099-C which was reported on my tax return. The debt was cancelled and it's still be reported every month as negative. I have asked for an investigation and they come back as verified as accurate. Obviously, it's not accurate.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Manhattan Beach Venture, LLC (NC)

In XX/XX/2020 I authorized monthly drafts for repayment of my loans. I have been reported to the credit bureau for nonpayment, resulting in a drastic decrease to my score, resulting in my inability to provide housing for myself and my son.
Consumer complaint received 2019-11-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MD)

Opened account offering a {$300.00} bonus if DD of {$2500.00} or more in 60 days. Did this and waited a month past 95 days when it should have been credited. I have called 3 times and they just say they are emailing someone.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (NY)

Account NameCHASE CARD Account XXXX Account TypeCredit Card Date Opened XX/XX/2009 I have disputed this account via XXXX  online dispute center and I feel as if the matter was not investigated correctly. I pulled a copy of my credit report on-line and found that they are reporting the following delinquent account that past the 7 year reporting time as allowed under the Fair Credit Reporting Act.
Consumer complaint received 2023-01-18
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. (OH)

On XX/XX/XXXX there was a hard credit report documented under my name. To my knowledge, I have not authorized any hard credit report to be pulled under my name since XX/XX/XXXX.
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Attempted to rebuild my credit file and found this Debt that should not be on my credit profile being that i was Incarcerated at the time of this purported Debt from CAPITAL ONE BANK in the amount of {$300.00} with an account number of XXXX, I also have my Release papers to confirm these dates, if i must obtain a police Report Identity Theft form i will do so being this account is fraudulent in nature and being Reported as Verified by the 3 major credit bureaus without a full investigation and proof of all documents.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

Hi, Ive got two problems and I really need your help fixing them. 

First off, theres a mistake with my name in on the CFPB system. It says " XXXX XXXX XXXX '' but it should just be " XXXX XXXX. '' Second, I saw something about a Barclays credit card ending in XXXX on my report. I called a bunch of times trying to figure out if this card is really mine because I dont remember getting it. The folks I talked to couldnt tell me anything. I just want to know if this is my debt. If I owe money, I want to clear it up and make sure my credit is good. But first, I need to know if its actually mine and how much I owe. 

Please write back to me here in the CFPB portal. I prefer keeping things in writing only please no phone calls. 

Thanks for your help, XXXX XXXX
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA (FL)

Unauthorized withdrawal from my checking account. ON XX/XX/2023 AppleCard by Goldman Sachs received {$4500.00} payment from my checking account. I did not authorize this transaction and I have tried to get information as to who received this payment but have not been able to get any response I have filed a police report I will be happy to provide account numbers etc. 
Thank you for your help