davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-07
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. (CT)

I requested all3 copies of my credit reports. When I received then there was multiple errors on all3. I called and corrected most of the information. Such as addresses.. Mispellings of babes.. Ss numbers that wet not mine. Etc. I also found an account that was not mine and got that deleted. The problem I 'm having. Is I have inquiries on my repirt that are still not mine. I contacted XXXX. XXXX and Equifax. Along with the actual companies and no-one is helping me. I know my rights as a consumer and sent proof of identity theft. I put several alerts on my credit reports and still this inquiries are there. These are the ones from XX/XX/XXXX to XX/XX/XXXX. I gave no permission for these to be on my report. According to the FCRA rules these must be andresponded back to me. Since the letter I sent wad only4 days apart. I know an investigation was not done. I plan on purchasing a home later this year and with all these on my report it shows that my credit worthiness is not good and a sign of financial trouble. that is not fair to me because these are not my enquiries. I am submitting this report due to lack of Investigation on my hard inquiries that were not done by me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern. For the credit worthiness of the consumer
Consumer complaint received 2020-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

MACYS/XXXX  XXXX This debt was paid and closed on XX/XX/2020 however my credit file still shows a balance. The balance should be reporting as XXXX! This is preventing me from getting the credit I deserve and needs to be corrected or delete the account right away!
Consumer complaint received 2017-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Bank closed account and cancelled by credit grantor in XXXX/2012. Account is showing as " profit & loss '' but is still showing on my credit report. This needs to be removed from my credit report.
Consumer complaint received 2019-05-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (FL)

I called bridgecrest costumer service representative to ask for a payment extension. This information came from their website, it is to help people when they are in need. Well the young lady that I talked to, refused to address the program at first. She was a very fast talker and persuaded me to pay something as if it was going to help with the payment extension. So I paid {$150.00} out of {$420.00}. She asked if she could schedule a payment of {$420.00}. I agreed thinking this would help prevent me from receiving a late payment. She took my debit card information and immediately tried to take the money out right then. This resulted in an insufficient fund fee. The money that was deducted for the fee then decreased the amount available for the bill that was supposed to come out. So I ended up with 2 fees for that one as well. I had to pay over {$1400.00} in repairs and I pay for rides to go to work. So pushing the payment back would have been life-saving for me. So she didnt do the plan, I received a 30 day late on My credit report dropping me 75 points. This was what I was trying to avoid. I explained this to her. But she didnt care. I called customer dispute, but she told me after pulling the call that she didnt sign me up like promised and that she wasnt able to remove the late payment. Even though I followed the protocol. I havent had one bad experience with bridgecrest despite the reviews. Their website says they strive for customer service. I just want them to live up to it. This late payment just cost me my first home.
Consumer complaint received 2020-11-18
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. (FL)

Transunion has a discover credit card account reporting on my credit reports. Transunion is the only credit bureau with this negative account on my report hurting my score hindering me from taking advantage of credit line opportunities. According to the Fair Issac all information from all three credit bureaus must be accurate. Transunion Is the only bureau with this negative account this is a violation and the account needs to be deleted.
Consumer complaint received 2020-09-04
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. (AL)

Listed an account on my credit report with two 30 day late payments.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including complete accounting of this account.. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (IL)

My complaint relates to a violation of CFPB regulation regarding allocation of payments against an expiring promotional balance. Link below to applicable regulation https : //www.consumerfinance.gov/policy-compliance/rulemaking/regulations/1026/53/ # b The relevant credit card issuer is Citibank NA . 

I had balances in two different promotional offers on this credit card. As of the XX/XX/2020 statement, I had {$11000.00} balance against a 0.99 % APR offer expiring on XX/XX/2020, and {$4800.00} balance against a 0 % APR offer expiring on XX/XX/2020. I made a {$6000.00} payment to this credit card on XX/XX/2020 with the intention of clearing the balance that was scheduled for expiration on XX/XX/2020. However, upon receiving my XX/XX/2020 and XX/XX/2020 statements it became clear that the {$6000.00} payment was largely applied towards the other offer expiring on XX/XX/2020. This is in violation of the referenced CFPB regulation. As a result of this incorrect allocation, I had {$4400.00} balance transferred to Standard Purchases with corresponding interest rate of 18.19 %, and I'm starting to incur these high interest charges as of my XX/XX/2020 statement. 

I contacted Citibank NA customer service over the phone to resolve this issue. Their initial response was " well, this is how we allocate payments ''. When i informed them that their allocation was in violation of federal regulations, I was told that this would be escalated to a supervisor who would call me back. I did not receive a call back for several weeks, upon which I made a follow up call and was told that the matter was still under investigation. Nothing happened for another week and then I received a letter from Citibank ( dated XX/XX/2020 ) stating that my request for payment allocation has been denied. 

I have attached the following supporting documents : XX/XX/2020 statement XX/XX/2020 statement XX/XX/2020 statement Citibank letter of denial dated XX/XX/2020
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion is reporting inaccurate data that is affecting my home loan acquisition. 

They do not have an online reporting access or not taking information on telephone line. 

The collection item XXXX XXXX on the report is incorrect. 
The settlement was paid, and they are still reporting as unpaid,
Consumer complaint received 2020-10-21
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: EQUIFAX, INC. (TX)

Equifax is reporting that I have 2 bankruptcies on my credit report. They claim to have gotten this information from XXXX. I have sent several letters and my XXXX XXXX file to Equifax disputing this information. I want the items removed from my credit file Immediately! The first letter sent was on XX/XX/2020 and signed for on XX/XX/2020, second letter was sent XXXX XXXX signed for on XX/XX/2020, third letter sent on XX/XX/2020 signed for on XX/XX/2020 fourth letter sent on XX/XX/2020 signed for on XX/XX/2020, fifth letter sent on XX/XX/2020 signed for on XX/XX/2020. My final contact was a phone call to the company with no resolution. I've been dealing with this issue for 5 months and would like for this to be resolved as soon as possible.
Consumer complaint received 2022-11-17
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. (CA)

I'm contacting you regarding an account that does not belong to me, but it shows on my credit report I have tried to dispute them with credit bureau which in result they didn't remove the account and inaccurate account still show on my credit.
Consumer complaint received 2020-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I called XXXX XXXX XXXX to lock my card because I thought I had lost it but I found it. So I called them back to tell them that i found it and can they reactivate my card. They told me no and that I should have a replacement sent to the address on file. I said no because I would never get it because the apartments where I reside at, is bad I have been treated very very poorly. The mailboxes are open. They been vandalizing my cars, they constantly send harassing messages thru emails. But thats not the issue but you get why I dont want my card sent there. So I gave them my daughters address to send the card at her address but they told me no, they couldnt send to her address without proof that its me. But somehow they have let someone else change my account and do Lord knows what to it. If the prison man XXXX XXXX XXXX and XXXX XXXX did that cause theyre the ones whos been hacking on my phone and email account, thenIm going to sue if these people steal my hard earn money.
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

Pursuant to the CFPB case number : XXXX -- - I reference a letter I received today from Wells Fargo Bank dated XX/XX/2020 whereby Wells Fargo also issued me with the following case number for their records which ends in these last XXXX digits : XXXX. I attach a copy of this letter here ... I thank Wells Fargo for their kind response and offer of engagement whereby I can contact XXXX XXXX A case specialist with Wells Fargo Bank ... I see no reason to contact XXXX XXXX as I have documented everything here with the CFPB ... Clearly serious errors were made in the management of my bank account ... I include in this new complaint my own expression of doubt since I am not an attorney and as such I do not know the law ... My expression of doubt states the following that in my dealings with Wells Fargo Bank I acted in good faith I also brought to their attention these serious mistakes that were made on my bank account ... That is the best I can do ... I trust Wells Fargo Bank to have the decency and integrity to fix this serious problem and to offer me the resolution I have requested before ... I understand that Wells Fargo Bank needs time to process my complaint and to diligently research how in XXXX my details were sent to XXXX and also why it was that Wells Fargo Bank in their own correspondence with me denied a material fact that on the day I opened my new bank account Wells Fargo Bank did have my XXXX address as part of my recent address history that is a requirement for opening new bank accounts ... That for some reason Wells Fargo Bank saw fit in their own correspondence to me to deny this material fact ... I have no desire to communicate with Wells Fargo Bank for any reason whatsoever except in terms of their response to my complaint which I take very seriously and the resolution I have requested ... 

Attached please find the letter I received today in the mail Dated XX/XX/XXXX... 

Respectfully Submitted by XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) - This is the referenced letter that is attached to this complaint ...
Consumer complaint received 2020-11-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (NV)

This Company Convergent Outsourcing Inc. Claims that I owe then {$760.00} for a service from XXXX XXXX I contact XXXX and they telling me that I am not owe then any money I used to have my internet service with then but moved to XXXX XX/XX/XXXX and XXXX dont have service here so Since I dint have contrat with then I closed the account returns the equipment more than 3 years ago then Convergent Outsourcing star collection and threatening to damage my credit I have talked to many people and they never send me an ink copy of the contract they said I have fail to keep with XX/XX/XXXX
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (LA)

This account was paid off on XX/XX/XXXX. West lake financial is reporting late payments XX/XX/XXXX and also XXXX and XX/XX/XXXX. Thats incorrect information being reported it was paid off on XX/XX/XXXX. Account # XXXX
Consumer complaint received 2023-03-04
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: Williams, Rush & Associates, LLC (TX)

You stated that your Values Are to be Full Transparency Honesty and integrity are key staples at XXXX XXXX We're dedicated to protecting our clients ' image and brand Positive Collections We treat each client with dignity and respect! 

However, as a consumer you are not being Transparent, honest nor showing Integrity when it comes to my privacy. While viewing my consumer report, I notice you furnished a collection account to my consumer report. However, during the process of you obtaining or purchasing this account from XXXX Texas XXXX XXXX, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY AND FURNISHED TO THE CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. During this process, I was an uninformed consumer and FDCPA, FCRA laws were violated. The fact the privacy has been violated and this account being furnished is affecting my livelihood and reputation.
Consumer complaint received 2023-01-31
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. (TX)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2021-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

For several months we have been receiving letters from AFNI stating we owe XXXX {$6300.00} but they are willing to settle for {$3100.00}. I have never had an account with sprint and there is nothing on my credit report related to unpaid XXXX bills. If I have in fact been turned over to a collections agency for a legitimate balance due I would expect to see that delinquency history on my credit report. I have notified this company this is not my debt. I refused to give my SS # because I believe this to be a scdam.
Consumer complaint received 2020-05-05
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: EQUIFAX, INC. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. Iwas denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that soneone has been using my social security number to open up account I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XXXX  XXXX {$290.00} XXXX XXXX {$2900.00} XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$950.00} XXXX XXXX $ XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

XX/XX/24 - trying remove a fraud alert from my credit report at Experian. accessed the documents needed to submit and printed them out, then scanned them back in. Accessed the consumer upload portion but every time I tried to submit the documents, the upload failed. Called the Experian support number, and it directed me to self-service only and refused to connect me with an agent. 

The two other credit bureaus removed the alert immediately over the phone. Only Experian was unable to have their own site work properly and refused to assist a customer. Removing the fraud alert was needed as soon as possible in order to submit for government benefits.
Consumer complaint received 2020-11-18
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. (CT)

Experina is reporting inaccurate information on my credit report. Its showing an account is late when the account shouldnt be late and should be paid off and closed. Theyve lowered my credit scores because of this inaccurate information
Consumer complaint received 2020-10-21
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. (OK)

Experian is reporting inaccurate, misleading, false, information that can not be verified from the bankruptcy courts. I have sent letters under 609 law  asking to validate public record and have gotten letters from bankruptcy court saying they do not sell to third party at all. Please see attached letters
Consumer complaint received 2020-10-21
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: EQUIFAX, INC. (OH)

IN REFERENCE TO COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 First, as a consumer I had no way of knowing I owe this debt. How can I dispute if the company failed to contact me? this is a VIOLATION OF UNFAIR CREDIT ACT LAWS ... there is no excuse for XXXX XXXX  to not contact me! 
XXXX XXXX  committed identify theft by illegally running my social security through all national credit bureaus PERIOD! after impact had illegally obtained all of my current info when they ran my social security number to illegally look at my info on my credit reports, XXXX XXXXthey still failed to get in touch with me yet still XXXX just posted this debt. that is how XXXX knew/found out XXXX had current info yet failed to contact me and EQUIFAX allowed this by just posting this dam debt too ect ... 

Throughout my investigation this debt was under XXXX XXXX XXXX who I rented from back in XXXX. Never paid late! I am demanding that this item LISTED BY XXXX XXXX that was illegally posted on my national credit reports be removed immediately due to the fact that this company XXXX XXXX violated credit unfair act law AND BROKE THE LAW TO OBTAIN MY PERSONAL INFO. 
I have filed formal complaint against EQUIFAX credit bureaus with anti-trust department in Washington DC and its XXXX because EQUIFAX also violated unfair credit act laws and broke the law and should indeed be closed. therefore, this item must be removed immediately from equifax credit reports and an apology letter sent to me asap! 
Both EQUIFAX and this company XXXX XXXX also violated my civil rights and unfair credit act protection under US constitution laws based on grounds that neither one of these parties EQUIFAX and or XXXX XXXX XXXX FAILED to notified me as a consumer to grant me any option to settle this debt.
Consumer complaint received 2023-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Byrider Franchising, LLC (KY)

My ex-wife left me and her XXXX daughters in a car With the XXXX XXXX from JD Byrider I could not report it stolen since she was on the title/loan itself, I have already paid XXXX to XXXX XXXX For a previous loan Since she has left the kids and I She has gotten XXXX XXXXXXXX cars repossessed from XXXX XXXX to JD by rider to another one, not sure of the name, but other buy here pay here, lots. 
I will pay my portion with no problem, but it should definitely not fall on just the one person with the job. Because she is the one that took off with the vehicle. And I called XXXX XXXX XXXX, and reported that I would like to cancel the insurance so I can show proof that. 

Thank you To whom ever it may concern. 
XXXX XXXX XXXX XXXX XXXX