davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc (FL)

Afirm changes my account. With out my say so. I bin working with the company. And I getting the runaround. XXXX XXXX XXXX in CA. They have the paper work. It was XXXXdo you need me to fax paperwork to you. it's is not showing on acct.i send over-there showing on my bankstatement SHOWING THAT IT WAS .know answer. The bank is working change back. Can you help? I Thought it should be reported. I, what my money back.q
Consumer complaint received 2021-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weber & Olcese, PLC (TN)

I have sent Weber & Olber , PLC two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both in 2021 ) to request them to validate this debt as it belongs to my father who died in XX/XX/2021. I have requested an investigation of this account and of any proof that this account is mine but they have either send inadequate information or ignored my letters.
Consumer complaint received 2022-08-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-06-26
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. (FL)

Equifax ; XXXX  and XXXX are reporting incorrectly an account balance on the XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account has been paid. I have attached a copy of the letter from XXXX XXXX XXXX dated XX/XX/2019 stating that this account has been settled as of XX/XX/2019. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.
Consumer complaint received 2021-10-19
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. (OH)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

Chex systems is reporting my information inaccurately and without my consent. this is against 15 USC 1681b and 15 USC 1681e. they have refused to fix the errors and remove this fraudulent report causing damage to me and my family. i have been oppressed from getting bank accounts and a credit union. causing me fines and fees and higher interest rates.
Consumer complaint received 2022-08-12
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. (NJ)

I have been disputing charge off accounts on my consumer report that were previously all removed in XXXX or XXXX on XXXX all accounts were removed then added back without explanation I was never notified within 5 days that those accounts were being rescinded back on to my consumer report. once they are deleted they should have never been reinstated back on my consumer report. I am only finding out why those accounts were added back on my report as of Monday XX/XX/XXXX of 2022 because I disputed those accounts again and was just told why it got added back previously as per XXXX  reps.i was told they will not be doing a reinvestigation into this dispute. XXXX told me the credit granters have subsequently certified theses accounts accurate I have requested the methods and documents one verification in which I still have not received any. these accounts need to be removed again immediately as they should have never been reinstated in the first place once removed. I submitted identity theft claims for them to block the information because my information was compromised. 


Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, 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 by such agency of XXXX, EQUIFAX, XXXX have aided this fraud by not properly verifying these accounts. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. again these accounts need to be REMOVED permanently immediately.
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (IL)

On XX/XX/2022, I was notified of a hard inquiry on my credit report from XXXX XXXX XXXX that I did not initiate. I called Experian and notified them of this on XX/XX/2022. Experian placed a Fraud Alert on my account. I have also called XXXX XXXX XXXX  to let them know that this was not me and to make sure that the credit card account is not opened.
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

I made a mortgage payment on XX/XX/XXXX for {$2200.00}. 
Payment due was for Principal {$1100.00}, Interest of {$7.00} and Escrow ( Taxes and Insurances, Homeowners and Flood ) for {$1000.00} additional principal of {$.00} to be applied to the Principal Balance. 
Remaining Principal Balance on the mortgage statement is {$1600.00} expected payoff is XX/XX/XXXX PNC Mortgage applied the payment of {$2200.00} without ever contacting me as follows : Principal {$1600.00} to payoff the loan interest and remaining added to escrow. 
They have violated consumer protection and finance laws based on misappropriation of Escrow funds and applied them to payoff the loan. I called and got a response that I would get an escrow refund in 20 days, I asked them to appropriately apply the principal payment of {$1100.00} leaving a balance for the XXXX payment and apply the total {$1000.00} to my escrow account. They refused and said the account is now closed.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX. XXXX-Balance $ XXXX-Date Opened : XXXX XXXX, 2017
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (NY)

i have 2 issues that need to be addressed. ( 1 ) I had a group of credit / refunds owed to be by a merchant. at least ( 21 ) of these credits posted to my account between XX/XX/2021 through XXXX, XXXX. After the credits were adjusted to my account, I have a credit balance of at least {$40000.00}. When I requested my credit balance to be mailed back to me, I was advised all the credits were transferred over to some internal Citi account, however, Citi is now telling me they can not access my account and that they have no idea where my credit balance is or how to submit a request for the refund to be mailed to me. ( 2 ) in addition, Citi also needs to adjust all interest owed to me in connection to the credited transactions, which has not been corrected on the account.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX Account # XXXX, Account # XXXX, Account # XXXX, has violated my consumer rights 15 USC 1681 Section 602 A. - States I the consumer have the right to Privacy.

15 USC 1681 Section 604 A Section 2 - it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1681 ( a ) ( 4 ) - There is a need to insure that the Consumer Reporting Agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a respect for the consumer 's rights to Privacy
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-08-02
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. (CO)

THE CREDIT REPORTING AGENCIES ( XXXX, XXXX, AND EQUIFAX ) DID NOT ASSIST IN CORRECTING THE INCORRECT INFORMATION BEING REPORTED, EVEN AFTER, I SUBMIT PROOF OF THE INCORRECT INFORMATION BEING REPORTED. - XXXX XXXX XXXX ( XXXX XXXX  CARD ) IS REPORTING, ON BOTH OF MY CREDIT CARD ACCOUNTS, THAT I HAVE BEEN, AND STILL AM, MISSING PAYMENTS. THERE WAS AN ERROR, ON BEHALF OF THE XXXX XXXX XXXX XXXX, WHEN THE SERVICE SHOULD HAVE BEEN MAKING PAYMENTS, ON MY ACCOUNT, WHILE I AM UNEMPLOYED, BECAUSE I LOST MY JOB. THIS IS THE SERVICE, FOR WHICH, I HAVE BEEN PAYING FOR, SINCE I OPENED MY CREDIT CARD ACCOUNTS. THEY DID, EVENTUALLY, MAKE ALL OF THE MISSED PAYMENTS, BUT THEY NEED TO CORRECT THE PAST NEGATIVE REPORTING, BECAUSE THE SITUATION WAS NOT AN ERROR, ON MY PART, AND XXXX XXXX XXXX NEEDS TO REPORT, TO THE CREDIT BUREAUS, MY ACCOUNTS ARE " PAID AS AGREED '' AND CURRENT, AFTER XXXX XXXX XXXX CORRECTED THE ERROR AND MADE ALL OF THE LATE PAYMENTS, UPON MY ACCOUNTS. - XXXX, XXXX, AND EQUIFAX HAVE THE UPLOADED PROOF THAT MY ACCOUNTS ARE CURRENT, AND THERE WERE ERRORS MADE ... STILL, THE CREDIT REPORTING AGENCIES HAVE NOT CORRECTED THE REPORTING, OF MY TWO CREDIT CARD ACCOUNTS.
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (TX)

Hello, this is a notice that I am disputing a billing error on my consumer report as a late payment from XX/XX/. I have recently contacted Citigroup , Inc. stating that my account is in billing error.

I requested for the original documented evidence and books of account pursuant to 15 USC 44, and all I did was receive a cardholder agreement. This is not full material disclosure. 

I have mailed the registered agent the attached billing error affidavit and notice of intent to lawsuit via certified mail, tracking # XXXX
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act Law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$1600.00} XXXXBalance {$410.00} XXXX XXXXBalance {$940.00} XXXXBalance {$0.00} XXXXBalance {$2000.00} XXXXBalance {$0.00} XXXXBalance {$1300.00} XXXXBalance {$0.00} XXXXBalance {$0.00} XXXXBalance {$510.00} XXXX {$640.00} XXXXBalance {$370.00} XXXXBalance {$840.00} XXXXBalance {$840.00} XXXXXXXX XXXX XXXXXXXXBalance {$640.00} XXXXBalance {$690.00} XXXXBalance {$470.00} XXXXBalance {$530.00} XXXX*-Balance {$360.00} XXXXBalance {$590.00} XXXXBalance {$460.00} XXXXBalance {$680.00} XXXXBalance {$960.00} XXXXBalance {$780.00} XXXXBalance {$1100.00} XXXX Amount : {$0.00}
Consumer complaint received 2021-03-23
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. (TN)

For months I have been contacting all three credit reporting agencies asking for proof of the bankruptcy they are reporting on my credit. Each company Keeps saying the information Is verified without providing me proof of this verification. I have contacted the company they listed as their source of verification and the company has stated they removed this bankruptcy from my public record but the credit reporting agencies refuse to remove it.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A. (FL)

I make a lot of online purchases. Every time I have used my PNC card for an online purchase it gets declined. I then have to call into PNC 's fraud department as I only get a text message to verify the transaction evert 4-5 declines. PNC has to " Hard reset '' the card each time, and even then while they are on the phone the card still declines half the time. There wait time is extremely long right now because of there merger. I escalated to a manager today and the managers response is " nothing we can do to prevent it, its a known issue for over 2+ years ''. How on earth can you have problems with a system that directly impacts clients for over 2+ years and not fix it???
Consumer complaint received 2022-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: HYUNDAI CAPITAL AMERICA (FL)

Kia motors credit change name on my credit report of company to Kia financial America which original name on the loan application and the original creditor name should not have any XXXX on my credit report therefore the name change should not have decreased my credit score but XXXX points which is not right till the old company name was Kia motor credit now it's Kia financial America
Consumer complaint received 2022-08-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC (GA)

After reviewing my denial, i attempted to contact finance co to get a reason why since it was based on false information. I was repeatedly forced to select options with automated person and no way able to request anything from them. I tried to call XXXX  but no one would answer my call..they repeat automated person and lead me to buy something. I dont know where the company got the false info and XXXX score shud not be denied. I verified thru other two bureaus i have only three inquiries but the co say i have 12. I have very low balances but the company claims my balances are too high. How can under {$200.00} balance be too high on a {$5000.00} or {$10000.00} available. Mortage and two credit cards almost paid off.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (SC)

I applied for a XXXX credit card from Comenity Capital Bank to get a first-purchase 25 % off deal several month ago. I got a letter from them, which asked me to submit personal information to check my eligibility for credit card. I replied to the mail based on the instructions from the letter and got a XXXX credit card on XX/XX/2022. When I tried to purchase an item on the XXXX website on XX/XX/2022 several times, the transactions failed every time. As I contacted the Comenity Capital Bank customer service team, they explained that my credit card had been opened as a fraudulent card, and you could not use it, then she added that the only way to use the card was to reapply another card. I was embarrassed since I correctly submitted the information, and there was no reason to have a fraudulent card opened. I can access my XXXX credit card online account without any issues and there is no information on the fraudulent card issues.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (CA)

I had 3 transactions that were stolen from me from a business, it turned out to be a scam. Paypal denied my claim since it was through friends/family ( which is what the seller requested I pay with. I also reported it to my bank XXXX XXXX as a fraud who also denied the claim saying it was an authorized transaction and refused to help or investigate it. 

Seller blocked me on their social media platform after payment went through. 

Dates XX/XX/22 - {$440.00} XXXX/22- {$390.00XXXX XXXX22- {$110.00} I really need this resolved and would like my money back.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly, I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX