davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (IL)

I applied for an extension of credit in which i was denied and received an adverse action letter using obscene and proface language from Home Depot Credit Services stating that i was denied. Pursuant to 12 CFR 1002 regulation b, it protects applicants from discrimination in any aspect of a credit transaction. Home Depot Credit Services has discriminated against me and discouraged me to extend credit. Also pursuant to 15 USC 1681a ( k ) ( 1 ), it was never mentioned a denial for credit. Home Depot has violated my federally protected consumer rights and has caused emotional and mental stress after reading the adverse action form sent to my home, showing they are willingly and knowingly taking action in false and misleading practices. Such violations hold Home Depot criminally and civilly liabel. Attached to this complaint is the letter from Home Depot labeled as exhibit A and B. There is no third party involved in this complaint, i XXXX XXXX give authorization for the CFPB and Home Depot Credit Services to move forward with this complaint.
Consumer complaint received 2021-11-07
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. (IL)

In the past year, i been struggling due to the Covid 19 hardship. I have not been able to keep a job since the Covid hit in 2019. The company did help me when the covid first hit, but refuses to help me any further. I have been unemployed for the last 4 months. Worked some side jobs as i was able to to make ends meet when i could find work. I just finally found work but i just started. The company is trying to report in accurate information to the credit bureaus. My payments are due on the XXXX of every month. I just paid XXXX which they will end up getting by Tuesday, or Wednesday the latest. So in reality, my XXXX payment is not 30 days past due yet. It will not be late till after XX/XX/XXXX. They are claiming i am 60 days past due and reported my XXXX payment, and my XXXX payment delinquent! They are also claiming i owe for XXXX. My profile is showing that i owe for 3 months, XXXX, XXXX, and XXXX. I do not owe for XXXX till the XXXX! They need to fix my account page to reflect this. They also need to change my credit reports so its only showing me 30 days past due, not 60 like it is stating. The credit reports only show 30, 60.90.and 120 days past due securements. You can not jump ahead and tell the credit bureaus that i am 60 days past due when i wasn't! This is illegal! They only are allowed to report XXXX payment late since that is 30 days late. XXXX payment is not considered late till after XX/XX/XXXX. This company isn't just hurting my credit, but also my girlfriend 's credit since she cosigned for me. I take this very seriously. Its not my fault that this company has no heart and refuses to help me in this difficult time! I am doing my best to get work and keep it, and to pay all my bills in a timely manner. I am going to be filing for bankruptcy, and am trying my best to keep this account out of the bankruptcy, so it does not effect my girlfriends credit. I will not be using this bank again after this! Does not care about their customers in this difficult time! They only offered me 2 deferral periods, no other options in helping their customers like other banks do like unemployment insurance when loosing a job, or lowering your payments for 6 months. Nothing else was ever offered to me. They need to fix my account and credit reports to show i am only 30 days past due, not 60! I am planning to leave an online review about my experience of how i am being treated so others can avoid this bank!!!
Consumer complaint received 2021-11-07
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. (IL)

For about a year now, I have not only had inaccuracies on my credit report, but I am also having issues receiving an updated credit score/account info from Equifax. Account status and balances are incorrect, and causing further issues.
Consumer complaint received 2022-08-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I noticed that dispute accounts and information is still reporting on my consumer report. Although the bureaus saying that they have their validation, mere saying that they validate it means those information are accurate. I need them to provide proof that these are all reporting accurately. This is my third time reaching out to your office to help me make the bureaus response on my requested debt validation and investigation result from the Equifax, XXXX and XXXX. It is unfortunate that I spending time sending dispute letters to them to clear inaccurate information accounts reporting on my consumer report. But until now they are not responding based on FCRA Law requirement. They are violating my rights and I know that you could help me to solve this problem. Hoping to hear good news from you soon. Thank you very much.
Consumer complaint received 2022-08-02
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: Bread Financial Holdings, Inc. (FL)

A bill was received on XX/XX/XXXX from Comenity bank for credit card charges made on XX/XX/XXXX for a total of {$190.00}. I have not used this card since XX/XX/XXXX. The charges were fraudulent and I have spent over XXXX hours on hold trying to get in contact with someone on the Comenity Account Protection team. No one is available to assist ; just hold music and " we are sorry all of our representatives are still busy... ''. No matter what time of the day I call, I have to sit and wait for hours with no response. 

.After some research, it appears that there has been issues with this company since XXXX.
Consumer complaint received 2021-11-07
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: MARINER FINANCE, LLC (LA)

Mariner finance reported four separate charge off accounts in my name. Only one is correct and the others are not joint accounts that I have not signed on. They belong to my ex husband. Only one account its an installment for {$4000.00} and a little more. I cant remember amount financed but it was secured by a vehicle ( XXXX XXXX ) and was a joint account. The other three accounts reported I did not sign in and they are saying joint accounts. They are reporting I last paid in XX/XX/XXXX which is incorrect. Last payment was in XXXX, vehicle was repossessed in XX/XX/XXXX no other payments made in XXXX and balance on charge off was not set up in a 24 month schedule. They reported the balance was set up to be paid in 24 months. There was no rescheduled payments on charge off. XXXX determined the other accounts were mine. No way possible because I never signed any other loans at Mariner. Only the one with secured collateral of my XXXX XXXX. That was a joint account. No other accounts did I ever sign and mariner tried to get me to set up payments on balance of charge off but I wouldnt so they took it upon themselves to report it like I have and like Ive missed all those payments. It has hurt my credit and is continuing to be reported as missed payments. It was charged off and thats the only thing that should be reported on that loan. The charge off was around XXXX and some. I went to their office and they pulled the loans they have reported as joint accounts Theyre reporting and my signature was NOT on the contracts but they refused to remove them from my credit report. I knew absolutely nothing about the other loans that my husband was responsible for. How can XXXX allow mariner to report false information on my account. I dont have documents to prove but they do. I only did business with mariner one time. They should have to remove those loans and the information they keep reporting to the bureaus each month is false information on my charge off in XX/XX/XXXX.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-08-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In XX/XX/XXXX, I notified TransUnion via certified U.S. mail that the payment history listed for the tradeline XXXX XXXX '' was completely inaccurate per the Fair Credit Reporting Act. 

This account was opened on XX/XX/XXXX, yet the payment history says that it was *already 60 days lateXXXX in XX/XX/XXXX. This is not even possible! 

I can tell that TransUnion did not have anyone review the dispute letter or the attached documentation, because the payment history listed for this account makes no sense -- yet their dispute team claimed by phone on XX/XX/XXXX that it looked perfectly fine. 

The payment history entries for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for this account are completely wrong, and I attached full documentation to prove this. 

Despite this proof, TransUnion closed the dispute within only 4 days, and did not update any of the incorrect information. It is clear that they did not perform a full investigation. 

The entire payment history for this account is wrong and must be rectified or removed or the account itself must be deleted from my TransUnion credit report, per the FCRA, within 30 days.
Consumer complaint received 2022-01-31
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: CITIBANK, N.A. (FL)

On XX/XX/2021 I made a purchase over the phone with Macys customer service for XXXX pair of shoes brand XXXX. Same month when I was trying to pay my Macys monthly bill I notice that my account was overcharge on the amount of {$1700.00} without my authorization so I call Macys to figure out why that charge. 
The say that I was being charge for a watch in the amount of XXXX then I explain to them that I didnt purchase or order any watch from Macys XXXX the apologize and told me they commited a mistake and that the amount of XXXX XXXXXXXX was going to be refunded, and they did, but after 2-3 months the charge my account again for the same amount so I called again to Macys and they open an investigation, after the finish the investigation wich the case was on my favor the post an online letter letting me lnow that the case os close and the money was credited in my account. Then on XX/XX/2021 the charge me again for {$1700.00} cents but this time they said that there is nothing they can do and that Im responsable for the charge after the case was close and final decision was made, the letter of the evidence was deleted from my macys account and the said thai have to pay for something I didnt order and it was their mistake, the keep transferimg me to all theor department and nobody give me a solution, they start being rude, hand the phone on my etc etc. 
I help with this case pls, its been long time and this company is not doing anything to resolve the problem.
Consumer complaint received 2021-11-07
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: Mr. Cooper Group Inc. (AR)

On XX/XX/2021 Nationstar/Mr.Cooper, did a credit correction on my XXXX credit report dispute on XX/XX/2021. When I checked my other credit reports I notice Nationstar/Mr.Cooper has not updated and correct my XXXX and XXXX credit reports. My mortgage Loan account is current and I would like this error fixed.
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (FL)

Dear identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX Opened XXXX {$1000.00}
Consumer complaint received 2021-11-07
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. (FL)

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. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to delete immediately : ACC-Date of inquiry XX/XX/2021 XXXX  XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX of inquiry XX/XX/2021
Consumer complaint received 2021-11-25
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 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. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX {$0.00} XXXX XXXX XXXX {$14000.00}
Consumer complaint received 2022-01-09
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: EQUIFAX, INC. (TX)

I am writing this without the assistance of any third party company. I writing this complaint from my understanding of the Federal Law.

Please block and/or remove this information resulting from Identity Theft from my credit report, pursuant to section 605B ( 15 U.S.C & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I run an XXXX XXXX XXXX that requires heavy capital and constant rotation of money. My bank, citibank, closed my account without any notice at all, and when i tried to contact people in person at my local branch, they said that i had to contact the fraud department. Whenever, i ask them for a time span of when i am most likely to receive my funds, they say 30-60 DAYS, which is an insane amount of time, that XXXX is stuck inside my account, that cant be touched by me. They are unwilling to help me in anyway and are very disrespectful and vague in their answers. When I call the fraud department of citibank, they say that i just need to wait for the letter, which again, can arrive within 30-60 days. I will never do business with this bank again, i just want my money. Not only, am i ruining my own credibility from my suppliers in my business because of bounced checks and wires. Not only has this incident damaged my own personal savings and ability to generate money, but also my credibility as a well established business.
Consumer complaint received 2022-09-30
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

My loan was under XXXX where I had ZERO issues. I had requested a forbearance due to COVID. Back in XXXX of 2021, I contacted XXXX to get out of forbearance and back on paying my mortgage. I selected the option to place the amount deferred to the end of the loan. I completed all the paperwork they sent me and XXXX them back on the XXXX of XXXX. 

Days after I, received notification that Mr. Cooper was now going to be servicing the loan. I set up my online account and contacted them regarding the forbearance and when I could make my first payment. I was instructed they were honoring the paperwork from XXXX so I didn't have to worry about filing new paperwork. I went weeks before they could even tell me anything on my account with the switch. Then they tell me it will be fine and that it has been approved, yet my account still says I owe $ XXXX. My online account even says I am not allowed to make payments at this time. When I called about it two weeks ago they tell me it was sent to accounting to be paid. Still it reflect the $ XXXX balance. When I called the other day, I was told that I would have a payment until XXXX but I asked what happened to the XXXX payment the paperwork said I had to make. The guy said he saw nothing about XXXX, then he reviewed the paperwork and said oh, yeah I see it does show you are 30 days late. 

I have been calling them and being told a supervisor would call me back and nothing. They are trying to make me several months late, so it gives me more problems when trying to get back on track. As they are a debt collector as well this does not surprise me. They are trying to steal more money from me from their lack of response and work. 

No one there can tell me anything and I would prefer a different servicer on my mortgage. Mr. Cooper should lose it license to service mortgages as they lie to the customer to get them off the phone and do not return calls.
Consumer complaint received 2022-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I have account with coinbase, my account was close for few days I couldn't access my account I contacted coinbase to try to fixe the probleme for 5 days without results after that they send me a message that my account was hacked and I lost all my crypto it was more than XXXX dollars in crypto.
Consumer complaint received 2021-11-07
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. (TX)

My XXXX XXXX account was paid off ( XXXX dollar balance ) and closed in XX/XX/XXXX. However the last two months I have received statement notifications of a balance due. I let them know that's not possible because the account is closed and I do not have the card so I could not have made any changes. And I don't know how charges can be applied to a " closed '' account. I emailed them on XX/XX/XXXX and XXXX letting them know that the account is closed and I don't have any idea what is going and I can't even log on because it is linked to old phone number that I no longer use due to identity theft. On XXXX they replied to me saying I need to provide my drivers license to change my phone number. I replied back on XXXX that I no longer have a valid DL but provided my passport book instead and let them know again the account is closed, don't know how there are any charges and if so its fraud and I don't know how/why there is a balance. There has been no response to any of my emails since, the phone number is still linked to the old one for the account so I still can't access it and I'm still receiving balance notifications. And on XXXX they reported to the credit bureaus that the accounts were late when I let them know already that any new changes should/would be fraud since the account was " closed '' and I don't have any access to it.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX