davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CRESCO CAPITAL INC. (IL)

I was told my lease company XXXX XXXX ( cresco capital ) reports my business credit to paynet. I attempted to get a rental truck under my business and had to fill out an app for it ... I was told they use paynet. The app was decline due to not having credit history ... I asked for my paynet ... it shows no signs of XXXX XXXX  or cresco capital ... i call XXXX XXXX ... I now find out that they are reporting in my first and last name ... all one word ... so basically this account will not be found unless u know its done this way ...
Consumer complaint received 2017-12-15
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. (NJ)

LOAN OPENED XX/XX/XXXX Dispute resolved ; reported by grantor {$1600.00} {$3500.00} Last payment XX/XX/XXXX THIS LOAN WAS REPAID BY THE SCHOOL, I NEVER OWED ANYTHING, LOAN WAS PAID BACK BY GRANTOR, I HAVE LOAN IS PAID OFF INFORMATION. BUT XXXX XXXX IS STILL REPORTING TO MY CREDIT REPORT NEGATIVITY I WAS NEVER LATE ON ANY PAYMENT, I WAS GRANTED FORBEARANCE UNTIL I GOT THIS ISSUE RESOLVED 7 YEAR LATER THIS IS STILL HAUNTING MY CREDIT
Consumer complaint received 2017-08-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (DE)

Cashnet payday loans allowed a loan to be processed in my name without consent to be deposited in a XXXX XXXX account not in my name. If I did not have XXXX I would have never know. Cashnet and XXXX XXXX failed to verify any approvals by me personally. I have spent hours trying to rectify but I am having problems getting a police report to CashNet since this was online crime and Cashnet requires this. My credit score dropped almost 200 points. This is causing me great anxiety and it still not rectified. It appears that CashNet has no interest in rectifying this and that they must benefit show how as the middle man despite it being fraud.
Consumer complaint received 2022-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (VA)

I received a phone call indicating that I owed a debt that was paid two years ago. I had to check my records to validate the payment. I tried to contact the company again ( within 30 minutes of checking ) and the phone number was fictitious. I then tried to check the website and it was fake as well. I reported the incident to the FTC and then thirty days later I received a bill from Jefferson Capital indicating that I still owed this debt that was paid off. the bill is attached.
Consumer complaint received 2021-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (WV)

Pay same as cash no interest as long balance was made by due date, I had balance due of XXXX by XX/XX/2021 I made before the XXXX however the day I call which I always make by phone to avoid processing fee talking to a real person I let them know their was phone problems I made payment of XXXX I realize i needed to pay XXXX but the machine had picked up by voice XXXX I was not able to pay XXXX cents I kept calling it took several days to process payment, by then my account had charged interest of XXXX and late fee. 
I call to speak to someone numerous times with no help I had to finally get a supervisor to file a complaint of of course they mailed me a letter telling me everything I already knew. They never considered that I never missed a payment and on said date I was truly trying to pay my balance off! 
I even tried to file a second complaint for I knew I had been done wrong I was told that it wouldnt do any good. 
They should have on file of all my calls and conversations. 
I even ask for a settlement balance answer was no we dont do that,
Consumer complaint received 2020-12-03
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: TRANSWORLD SYSTEMS INC (NE)

Transworld System I is reporting a fraud account on my credit report. I have disputed this item several times with the credit bureau and the creditor. This is not my account. This is a result of identity theft. This fraud account needs to be removed from my credit report immediately. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (IL)

The company, US Bank. XXXX XXXX did not close my account, and continues to drain my funds funds deposited after closing, by deducting a {$24.00} Monthly Maintenance Fee. I have tried to close my account officially, but the U.S. Bank invented a ruse that my Social Security Card that I used at closing my account was fake!!! The U.S. Bank, then- for a second time- but I was told my documents -my social security card was fake, That claim was false. Since then, the U.S. Bank keeps the account open, and drain the balance by with a {$24.00} for insufficient balance. My latest statement from U.S. Bank dated XX/XX/2022, shows a XXXX balance which U.S. Bank certainly had put on its revenge plan against me - for closing my account. And it can do this with impunity because Banks contribute a lot of money to many candidates for Attorney Generals Elections in every state, and Attorney General 's staff in many cases give them a pass, and hope they will double their contribution in their next election. I have seen too many such cases in my 22 years of teaching political sciences, I am retired now, but I know that political corruption never retires! I have published many anti-corruption articles during my 22 years of teaching -many still showing online under my name.. As a Greek national at birth, I grew up espousing XXXX 's virtues of honesty. and practice of what I teach. I have many comments on internet on honesty, wisdom and anything global and human! My advice to young readers? Be honest in life. It would give you a sense of pride - because you have earned! XXXX XXXX, retired professor
Consumer complaint received 2022-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (OH)

This is my SECOND DISPUTE LETTER and the accounts listed below are still reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have also submitted an FTC and CFPB You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : CAINE & WEINER # XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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 that are found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-12-03
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. (NV)

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 INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

Comenity Bank/Wayfair incorrectly reported a credit card balance after I fully paid off the balance and closed my account in XXXX, XXXX. This resulted in a delinquency record on my credit reports and a significant damage to my credit score. I contacted Comenity Bank and all three credit bureaus ( XXXX XXXX, and XXXX ) multiple times during the past month - Comenity Bank has been extremely difficult to deal with.

After many phone calls I was not able to get a response from the department that handles credit report disputes. Their representative first said that they already sold my account to a collection agency and would not be able to help me. I then had a conference call with Comenity Bank and the collection agency to confirm that there was no outstanding balance associated with my Comenity Bank/Wayfair account, as the collection agency already did an investigation in response to my dispute and promptly removed their false collection records from my credit reports. But Comenity Bank is still not able to remove their false information in a timely manner. I was given conflicting directions - one representative told me to file a dispute directly with the credit bureaus, and another representative told me to mail a letter to the Comenity Bank department that handles disputes. I did both, and XXXX  a letter with supporting document to Comenity Bank on XX/XX/XXXX. The XXXX  tracking number shows that Comenity Bank received my letter on XX/XX/XXXX. However, as of XX/XX/XXXX, no one in Comenity Bank was able to confirm if they received my mail or not, and if anyone was reviewing/working on my case. A Comenity Bank representative told me that even if they received my letter on XX/XX/XXXX, it could take up to 90 days to review and reach a conclusion. This is an unacceptable amount of time, especially for a case that was already investigated once by the collection agency that Comenity Bank used. 

Comenity Bank/Wayfair is by far the worst financial institution I have had to deal with. They do not have the ability to handle customer account records correctly and resolve customer concerns timely. Their irresponsible actions have resulted in a significant damage to my credit score and financial implications.
Consumer complaint received 2020-12-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2021-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Check Recovery Bureau, Inc. (VA)

I asked for the company address so that I could write a letter they provided the wrong address to me. I was unable to send any letters to them. They continue to call on a automatic dialer. I am unable to ask them to stop or to verify the debt.
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (OH)

I have little to no information about this gas utility debt with XXXX and now with collection with CBE. I have several rental properties with XXXX and have always paid by bills. My current credit score is around 835, however, my mortgage score ( XXXX ) is several hundred points lower and I can not qualify for a new home loan. 

Perhaps XXXX kept sending mail to the rental property address after I sold the property. This could be fraud by a tenant. My identity has also been stolen in the past. 

I really have no idea how I could not have been properly notified for this debt. Also, please keep in mind this is only a {XXXX} collection and it has been paid. 

I didn't know my rights to validate this debt nor do I believe I was properly notified and XXXX has my phone number on file. 

It has been negatively affecting my life and my ability to purchase further rental properties. 

Lastly, I was under the impression that if the {XXXX} debt was collected, it would be removed from my credit report. 

I can also attach my credit report to show you my great credit score and ability to pay bills.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

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. 
XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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. 

This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. 
Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX, has violated my rights.
Consumer complaint received 2020-12-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NM)

XXXX I applied to refinance my existing mortgage on my property at XXXX XXXX XXXX XXXX NC XXXX. Adviced Freedom mortgage I was retiring on XXXX XX/XX/2020 I really needed to refinance my loan ASAP - they my information and later said they will be closing on the loan in XXXX or XXXX. XXXX Went so as XXXX contacted freedom mortgage they said th etitle company in North Carolina they are working with wants my wife on the loan - I told my wife will not be on the loan becasue she does not reside in the US and she does not plan to move to the US! they replied saying North Carolina law wife is mandated to be on the loan regardless she needs to send a power of attorney for me to sign for her - So she sent me the power of attorney I paid out of pocket - sent it to freedom mortagage and they said the title company wants it in a different format - so my wife sent another power of attorney I gave it to freedom mortgage and the title company - XXXX went by and freedommortgage said they need the original I told them all mail coming in from XXXX is blocked becasue of the COVID wont resume until XXXX - I requested to fnd another title company but instead they closed the loan and said they will have to restart everything - I filed 20 complaints with the company through the 6 month span with my loan office, customer service, loan officer supervisor and the manager of the refinance section, also filed a complaint with the their title company section, and the escalltion dept ..folks on the lower level said they understand my frustration but they dont make the final decision - desicion is made by their managers- they totally shut me off! Now Im pulling money from my savings to supplement paying the mortgage - may have to sell the home - this company needs to checked for fraud they had lied to me that they can not find another title company they also lied saying without the original power of attoney the loan can not be closed. All service members should be warned about freedom mortgage I told them last week if they dont provide a good explanation of why they cancelled my loan and not accepting the fax documents ( power of Attorney ), or waiver the original document, whyy they didnt find another title company - I will report their lack of accountability they pretty much screwed me over with this refinance wasted 5 months when I should have went with another lender! 

I have email corerspondence - as for call in I beleive they deleted the historical records they cant find some of it - I probably called in more than 20 times I lost alot of money from my saving and these people dont seem to care!
Consumer complaint received 2021-04-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Went to get a line of credit or equity out of my house and they ran my credit report and they said no, I just wanted to get away from XXXX interest they are making off of me on a loan that I only owe XXXX of a loan that was only XXXX to begin with
Consumer complaint received 2020-12-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To whom this may concern. I am a victim of identity theft in which someone has used my identity to open this account with XXXX  XXXX XXXX XXXX. I have made efforts to remove this account in the amount of {$1400.00} that does not belong to me. This account was fraudulently opened through this company XXXX  XXXX XXXX XXXX in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2024-03-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (KS)

This debt is XXXX years old. They bought the debt one month ago and decreased my credit score by XXXX points. They are representing this debt as new. Two credit agencies have removed it from my credit report. XXXX states that this meets the fair credit act. Not to worry because it falls off in XX/XX/2024. This should be removed, please. Atleast updated that this is XXXX year old debt. I feel it should be deleted though. These collection agencies should not be allowed to do this. I have had 3 debts from XXXX  years ago recently put on my credit in the last 90 days. One was completely removed. One is still on there but in dispute and this one. Thank you!
Consumer complaint received 2020-12-03
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. (NJ)

On XXXX of 2020, I checked my credit score to gage the health of my credit when I found that an auto lease was placed under my name. I did some research and seeing that the companies name is XXXX XXXX XXXX. I found out that it belongs to a family member with a similar last name as me. I reached out to both the family member and the XXXX XXXX XXXX in XXXX to rectify this issue but it has not been removed from my credit profile. Please help me in solving this issue. Thank you in advance!