davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (CA)

I Went to a car dealership and I was already pre approved through my bank for a car loan that I actually didn't end up purchasing because of other various reasons.But to make it short I was already pre approved for a cal loan so there was no need to run my credit, because the bank already had a letter in the amount of what I was approved for but they insisted they could get me a better rate in which i was already happy with the rate that my bank had given me. So I would appreciate if these hard inquires can get taking of my credit report because it is inaccurate and if you look at my credit history I am usually good when it comes to paying on time and being in good standing with my credit card companies.
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (PA)

A direct deposit was loaded on my pay pal account and they limited my account after I sent in the proper documents and then permanently closed it with a 180 day hold and I still havent been able to get the funds and its been over 180 days
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$850.00}
Consumer complaint received 2021-11-30
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. (CA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2023-01-28
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. (TX)

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous request & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (PA)

Berks Collections have a amount of {$320.00} that supposed I owe and that is a false statement this account was settled for {$210.00} wich was pay off on XXXX XXXX of 2016.They still didnt remove of my report.
Consumer complaint received 2017-08-19
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. (KY)

I have attempted multiple times to have XXXX XXXX XXXX quit reporting false information on my credit report. They are continuing to report that I have a balance and owe them money for a collection account that I paid off to another creditor. I have supplied this documentation to XXXX XXXX XXXX and they have failed to remove their false reporting of this account to Equifax. I was denied a car loan due to this false report. I have do not and have never owed this company any money for the account that they are reporting. I have disputed this account directly XXXX XXXX, 2017 and to this day they have failed to respond to my dispute. I have also called to dispute this multiple times and the " manager ' offered me a 20 % discount and to have the account removed once I have completed paying the account. I explained that he was trying to collect on an account that was previously paid to another collector. This company is violating multiple federal laws by falsely reporting on my credit report and offering pay to remove services.
Consumer complaint received 2021-09-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (FL)

I had programmed my automatic monthly discounts, But notice they didn't discount me for two months, I called the comenity bank to find out what happened with the discount, they told me that the automatic pay and They told me that the automatic payment was only for 6 months and that I should call to renew it, I told with the representative of the comenity bank and I explain him that the nobody told me that, However, that day, ( XXXX XX/XX/2021 ) I paid on line {$250.00} and the balance was {$830.00} ( Shown Statement 1A ) The guy told me that my balance almost finish in XXXX because I am paying $ XXXX monthly. 
I was surprised with the new statement, because the comenity bank is charging to me a new balance by {$1.00} plus {$380.00}, ( Shown statement 2A ) once again, I called at the Comenity Bank I told with another representative, and he told me that the new balance include interest by {$350.00} ( more or less ) ; Nevertheless I offered to pay the total amount If he removed form the statement this charged, and I make a request to listen the previously conversation because nobody told me about the new charge. 
He told me that the people in charge of the bank would do that, and after that, the bank bank would call me, but I they never called me By second time, I tried to call to be explained why the case had not been solved. 
Even Worse, they are charging me {$23.00} ( Shown Statement 1B ) in additional interest on the previously {$350.00}. 
I make this public complaint so that Comenity Bank adjusts to what has been agreed with its employees in order to solve it
Consumer complaint received 2017-08-31
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Brown and Joseph, Ltd (IL)

On XX/XX/17 I was contacted by XXXX XXXX from the company Brown & Joseph , Ltd. located in XXXX, IL, threatening me to pay a debt that I did n't even know I had and taking my case to a court room. He was demanding me to pay over thousand dollar in workers compensation policy that I never had because I decided for another company. 
He also said he was going to talk to me in XXXX as I did n't understand English.. I am not a XXXX speaking person and I speak English. He finally sent me an email saying It was better to pay the amount before XXXX Central Time, or the case would go worse.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

Hello, I made a purchase using a XXXX credit card in XXXX totaling {$35.00}. Within XXXX weeks, I attempted to pay the card but the XXXX website was down. When I was finally able to log in, I noticed I was charged a late fee. I decided to call but the lines were also down so I decided eventually to message them. I informed them that I was charged a late fee and that I would like to have it waived since that was not my fault. Their website is constantly down. I explained to them that they were continuing to charge me a late fee over that initial late fee and they decided to credit my account with $ XXXX this is less than the late fee they are charging me. They noted that I wasnt charged a late fee for XXXX months- but that was in XXXX and XXXX because I had made a payment for my initial balance, not due to any of their own generosity. Somehow- despite paying {$36.00} and supposedly getting a credit of {$29.00}, I now owe {$100.00}, all stemming from the late fees that have been piled onto my card. Ive tried to have this issue resolved through XXXX messaging service and there is no form of accountability for their own poor payment services. This has been a very frustrating situation, especially considering their slow customer service.
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Numbers : XXXX, XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, has violated my rights. 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
Consumer complaint received 2022-11-06
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: Experian Information Solutions Inc. (CA)

I receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2017-08-19
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX TALK TO XXXX CUSTOMER SERVICES REP ABOUT THESE UNAUTHORIZED HARD PULLS TO MY CREDIT REPORT AND SHE WAS NOT HELP TAKE CARE OF THESES NEGATIVE INQUIRIES REPORTING ON CREDIT REPORT
Consumer complaint received 2024-02-22
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. (NJ)

XXXX XXXX is reporting inaccurate information on my credit report COMMENTS from ( XXXX, XXXX XXXX EQUIFAX ) Payment History ( XXXX & EQUIFAX )
Consumer complaint received 2017-08-21
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (TX)

This collection company is but a multiple number of agencies used by XXXX XXXX XXXX XXXX to collect an alleged debt that is very old based of the letters and credit reports I have. This complaint is related to this company and this complaint. XXXX here on cfpb Consumerfinance.org This written letter should also serve as notice I dispute this alleged debt in its entirety. I am disputing this debt to Phoenix Financial Services LLC dba XXXX XXXX XXXX XXXX. I wish not to be contacted by phone at any phone number, as phone conversations are very inconvenient for me. I wish only to be contacted by letter. XXXX XXXX XXXX has been notified through their agents of my verification requests and my desire to have no contact by telephone. I believe their bouncing of this alleged debt to multiple agencies is their way of skirting their requirements of validation and requirements to cease phone contact. All information provided to me so far has been nothing I can use to verify I owe anyone a debt.
Consumer complaint received 2017-08-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (FL)

There are two reporting errors on my current loan and credit reports. Exeter is reporting me late 30 days on XX/XX/XXXX and XX/XX/XXXX in the amount of {$350.00}. First, I was never late in XX/XX/XXXX as seen in the provided documentation. Second, I applied for a hardship extension in XXXX of XXXX and was told over the phone by a customer service representative that I could indeed push a payment to the end of the loan based on the fact that I had been unemployed but was currently reemployed and needed time for my payroll to start before I could make a payment. One can clearly see that XX/XX/XXXX is missing from my payment history and there is an extension notation on the right side of the provided documentation which accounts for this. This however has nothing to do with XX/XX/XXXX which clearly shows as paid. I believe these two months to be mixed up somehow. When I called to have Exeter correct this information I was told by a manager that it was illegal for them to correct any reporting to the bureaus. This call occurred on XX/XX/XXXX with XXXX XXXX ; I asked her where specifically it was stated to be illegal to correct erroneous information according to the FCRA and she proceeded to tell me : " that is just how we do business at Exeter and it would not be fixed ''. I then asked her if our call was being recorded, she said it was. I am currently getting my credit in order to buy a home and so have just recently noticed these inaccuracies. Had I noticed sooner I would have taken action sooner. Thank you for you help I certainly need it.
Consumer complaint received 2017-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc. (NC)

I was not able to contact the company sca coll. XXXX XXXX XXXX was listed under this collection. I called to take care of this collection but they did not have a bill for me on record. The account was open on XXXX XXXX 2012. The company owed does not have a record of the debt.
Consumer complaint received 2017-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MS)

We surrendered our home to previous mortgage holder in XXXX of 2012.  Ocwen financial bought the mortgage and refused to honor a died in lieu of foreclosure. Ocwen, by misplacing or loosing our paper work caused us to go to foreclosure we attempted to work with them submitted paper work on 3 times, but they refused to examine our paperwork, we tried to work with them for years submitting died in lieu paperwork. They kept delaying on us until we had a a foreclosure date and told us that they would not examine our paperwork because the foreclosure was going through anyway. My wife and are both XXXX and this has taken a visible toll on our ability to obtain credit and to find rental housing.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX : {$0.00}
Consumer complaint received 2021-06-24
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. (TN)

Hello! I am writing because I am a victim of Identity theft. I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2017-08-18
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. (TX)

regarding account : XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.
Consumer complaint received 2017-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CA)

Seterus has unlawfully reported 30 day past due payments to credit bureau, they state for the months of XXXX and XXXX XXXX that i was 30 days late, I have bank statements to prove the funds withdrew from my account before a 30 day time period. They also increased my escrow account to increase my payment and given no proof that the escrow balance was out of funds, Seterus has poorly managed my mortgage account, with numerous harassing phone calls, even though I call them and also fax them if I will be several days late in my monthly payment, but I do ALWAYS pay before ever being 30 days late. When I have faxed them as per their website to contact them via fax never once have I received confirmation of my fax, I just continue to be harassed via telephone calls on a numerous daily basis.
Consumer complaint received 2017-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (NY)

On Saturday, XXXX XXXX, XXXX I submitted an online application for a XXXX XXXX XXXX after reading all available web site information. The application page indicated an immediate accept or decline decision would be made. However after pressing the apply button, a standard screen appeared that indicated a decision would NOT be made immediately and instead there would be a 10 day wait for processing. I then called the company 's customer service number and requested that the application be cancelled as I was not comfortable with they way the company was representing themselves and the process. I was told by the customer service rep that it was not possible to cancel an application and I would have to wait until I received a mailing from Barclays to proceed further.
I told the representative I was most displeased and disappointed with Barclays ' policies first of the application approval/decline process and then compounded by their refusal to cancel an application - particular since this qualifier was not present anywhere on the application page or on the apply button itself. The representative still indicated that there was nothing he could or would do to resolve the situation. If possible, I would appreciate assistance personally from the CFPB and at least please post this experience for others so they can avoid the same problem. Thank you.