davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PREFERRED CREDIT INC (TX)

I purchased a vacuum on a XXXX XXXX. I performed everything i was supposed to in order to receive a total write off on the item I purchased. My sales rep refused to submit the appropriate paperwork to have this debt taken away. I have told the company repeatedly to stop calling, that my financial situation was not the best right now due to the pandemic and getting a divorce. They still continue to call and send mail correspondence. They have even contacted me via phone at my place of employment. This could cost me my job. A representative with the company came to my home, crossed a gate that states no trespassing. My XXXX XXXX  were home at the time. This is not ok as we are in the middle of a pandemic and everyone in my home is considered high risk. I was also granted this in the divorce as I had completed the contingency terms of my contract and was having difficulties with my original representative. I have asked them repeatedly to remove my ex-husband from the account, provided them with a copy of my divorce decree and asked them to remove this from his credit report. They said they removed him from the account and they have not. The notice left on my door from their rep has his name on it and they are still posting his credit. I have disputed this on my credit and he has disputed it on his.
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$7900.00} XXXX Balance {$300.00}
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (NE)

Initially I thought this account was a result of fraudulent use because I specifically requested the account be closed and my purchase refunded when I found out my mother never received the items I ordered for her. When I first ordered the items they were sent to the wrong address. The company agreed to resend the items to her. Months later I asked my mother about her hat and dress and she informed me that she never received them. By that time I had already paid {$95.00} in reoccurring bill payments and with a credit balance of over {$100.00}. I informed the company that she never received the items, I wanted a full refund, and the account closed. The representative assured me this would be done. This company is destroying my credit by reporting the negative account that was a result of goods not received. My Fraud Recovery Specialist has attempted to work with the company to get them to stop reporting the information and issue a refund without much success. 

The collection agency they sent the debt to has assured me that they did not report the negative information so that means the data furnisher is XXXX.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have consistently maintained a record of timely payments on this account, never allowing them to lapse into overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be implemented.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute a billing error in the amount of [ {$1400.00} ] on my account. The amount is inaccurate because [ XXXX XXXX  has been overbilling me for XXXX Fees for 18 months ]. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Enclosed are copies of [ my requests for them to correct the balance due and apply the {$1300.00} of payments made towards my account which was {$1200.00} ) supporting my position. Please investigate this matter and correct the billing error as soon as possible. I contacted XXXX regarding the {$11.00} fee charged to my account on a monthly basis and they informed me that XXXX XXXX  was overcharging me intentionally to prevent my principal amount of {$1200.00} from being decreased. None of my payments of {$1300.00} are applied and my balance is {$1400.00} as of this date. I think this is Consumer fraud and XXXX XXXX  is using derogatory credit methods to get me to pay them in excess of what I have already made. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-01-02
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. (IL)

XXXX XXXX XXXX ( CFPB Case XXXX ) ( Acct ending in XXXX ) I nor XXXX XXXX was ever under any circumstances properly told about the interest rate that this card carried and the terms in which we were agreeing to. We would have never agreed to this card had that terms of this card been fully explained to both us and we would see and sign off on it which we did not. We were not aware that this was the account listed on our credit file which was charged off in question after all this time. We believed that this card was paid off and closed which is the reason why I have filed several complaints as to why it was reporting negative to our credit file. I was told that as long as monthly payments were made that NO interest would incur. I nor XXXX XXXX never knowingly agreed to or signed any agreement electronically or non-electronically whatsoever with an interest rate of 26.99 % on a healthcare credit card if the balance wasnt paid in full during a promotional period. I nor XXXX XXXX was not adequately informed about and did not understand ( a ) that I/we would owe interest on my account if the balance was not paid in full by the end of the promotional period ; ( b ) My interest rate ; or ( c ) that interest accrues on my balance during the promotional period starting from the date of my purchase. This account has now been sold to collections agency and is having a very negative affect on our credit files and on our lives. I am prepared to take whatever legal action necessary and if needed file fraud charges against XXXX XXXX, XXXX XXXX, and the collections agency it was sold to XXXX XXXX if this is matter is not taken care of. Furthermore no copy of our signatures on the terms and agreement have been supplied. I was sent copy of account being approved. I have had accounts approved in the past but if the terms and conditions were not to my liking I would not sign or agree to it. There was no SIGNED copy of agreement of terms and conditions with XXXX XXXX and myself sent to us. We also never received a claim form in regards to the lawsuit that was filed against XXXX.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 2021-09-11
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: EQUIFAX, INC. (MN)

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this.
Consumer complaint received 2019-08-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BARCLAYS BANK DELAWARE (MN)

I lost my job and was laid off and at the mean time going through divorce. I did not have a job for 7 months and right now working part time and barley cover anything but to survive a place to live under the roof. I have made an effort to put all my creditors to XXXX XXXX XXXX and pay monthly to debit relief and now I am being sued by XXXX XXXX Attorney at Law with XXXX credit card and saying they will garnished my paycheck.. I do not think its right since I am making an effort by going through Debt Relief program that's the only options I can do and limit amount I can afford to pay it off Thank you
Consumer complaint received 2023-01-11
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2021-09-11
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: Experian Information Solutions Inc. (NC)

I summited 609 dispute letters certified Mail with two forms of identification asking for validation documentation on this debt ( XXXX XXXX ) asking for original contact with wet signature to verify this debt the bureaus responded with there investigations response they reach out to a third party agency to verify information that it was validated when law clearly states I need information verify this debt in Mail documents not by email and not just they response its complete and no proof of anything!
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Attention PENFED CREDIT UNION you were recently sent a packet of Notices to you PENFED CREDIT UNION to correct some errors in Billing as you are currently attempting to collect alleged debts from me, the natural person, private individual, consumer and Original Creditor involved in these consumer credit transactions/sales. As the original creditor I do NOT owe you any alleged debts and there is no documentary evidence of such allegations. After review of these statements I have discovered there is a serious error in Billing reflected on statements that have been sent to me so you have received a verified Billing Error form from myself in order to correct the errors that I have found with the referenced account. Your accounting records if maintained accurately and in accordance with Generally Accepted Accounting Principles as [ GAAP ] as required by 12 USC 1831n and highlighted by Federal Reserve Publication Modern Money Mechanics, will show a total bank liability to me In the amount of {$25000.00}. You have been notified in this Billing Error Notice of this error and are required by Federal Law Pursuant to 15 USC 1666 to issue me credits as directed. You have also received a Notice Of Opt out which requires you to remove all reporting of my private, personal and confidential information to any credit bureau, credit agency or credit repository, again PENFED CREDIT UNION you must immediately cease reporting of any information to the credit reporting agencies pursuant to the aforementioned section of Federal Law. Refusal to comply with these demands and Federal Regulations will result in further legal action. If your claims to this alleged debt hold any merit you will have no issues complying with the Freedom Of Information Act Notice and providing the demanded documents and appropriate attestations under notary seal as demanded in this document and pursuant to FOIA 5 USC 552 and FDCPA 15 USC 1692. Ignorance of the law is no excuse for your negligence and your Silence is Acquiescence! Should you default on these notices that Have been Notarized and are now legally applicable as evidence of your willful negligence I will not hesitate to pursue these matters to the full extent of the law. This is my attempt in good faith to rectify these matters and errors prior to taking any further required legal action.
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have requested the inquires be removed for months now. TRANSUNION has failed to send proof that these inquiries belong to me. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.
Consumer complaint received 2019-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NV)

Citi closed my account in XX/XX/2018. They illegally withheld my money which I tried to retrieve over and over again for months to no avail. I wasted countless hours going to the local branch, on the phone and checking my emails. My balance was {$1900.00} and after countless promises, I received nothing. In XX/XX/2018 I filed a complaint with the office of comptroller of currency and they immediately responded and offered a {$1000.00} refund check while the investigated. I agreed because I was in desperate need of my OWN money. I contacted the representative who mailed for {$1000.00} and asked her about the rest and she told me that balance was adjusted after the account was closed. That's a joke! Not only they illegally withheld my money, and the refund check for {$1000.00} 5 months after they closed my account is evidence of wrongdoing on their part. They still owe me approximately {$900.00} and they refused to send any documents, statements or anything of that sort. I no longer have access to the account. I want my {$900.00} immediately or I'll take legal action and seek a trial by jury pursuant to the 7th amendment.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2020 my husband and I purchased a leather chair from the XXXX XXXX XXXX XXXX. At the time of purchase, we requested that the total amount be split between both of our credit cards. We were told in order to complete that transaction, we would need to first purchase a gift card from my account for half of the balance and the remaining balance would be charged to my husbands account. We also had reward certificates as well as a store credit. 

After several attempts to complete the transaction, the clerk finally confirmed she was able to process the transaction as we had requested. I was provided a screen shot of the transaction which included credits, rewards, the gift card and the balance on my husbands card. 

However, the receipt we were provided from the store showed the full amount on my husbands card. I did not catch this discrepancy at the time and it was only a few days later that I noticed the error on the printed invoice. 

I reached out to XXXX XXXX and spoke with XXXX. She as unable to resolve my issue and said a supervisor would return my call. I did not receive a return call. My husband reached out to have reached out to Comenity Bank and explained the situation. We provided receipts and a timeline of the situation. Comenity Bank agreed to review the situation, but has since refused to issue a refund for the error of {$930.00}. 

The chair has since been returned to XXXX XXXX. My husbands account was credited the full amount but my account has not been refunded {$930.00} for the error in charges. 

I am requesting that this situation be investigated.
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

As of XX/XX/2019 and disputes handled through CFPB XXXX XXXX  agreed to the deletion of my credit trade line with them due to ongoing innaccuracies being reported. 
As a result XXXX has submitted a letter to all major credit bureaus regarding the deletion of this trade line. Since this time Equifax continues to say the incorrect information has simply been updated and has failed to remove this trade line. Even after being provided a copy of the letter from XXXX on several occasions. Equifax explains that upon disputing this information the update info based on what XXXX gives them. However XXXX states they have not updated any information since providing the letter to delete trade line
Consumer complaint received 2023-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (CO)

When i first applied for the loan i was told my payment would be {$200.00} less. This was during the pandemic so i agreed to refi. Upon receiving the invoice for my first payment, my payment was not lowered but my loan term was lengthened.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Transunion has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with Transunion. This account was opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the account via FCRA Section 605b . They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account removed from my report ASAP. Here are the names of the data furnishers & the account : XXXX XXXX XXXX Date Opened : XXXXXXXX XXXX XXXX  Balance {$8100.00}
Consumer complaint received 2023-01-11
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. (TX)

Customer representatives from XXXX from the XXXX number that collect credit card payments told me that if I make the payments in the XXXX and XXXX is that what keep the account up to date and I wouldn't fall behind. Turns out that was wrong advice and I was very surprised when the account ran XXXX  days past due because it's never done that because I've kept up with it. Customer service gave me wrong advice as far as the minimum payments That's why the account fell behind or I would have made sure I kept it as current as possible. Please remove the negative information from the credit report as I'm in the process of trying to purchase a home and it could be detrimental to the credit report. Thank you for your time and consideration.