davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

I was scammed {$1500.00} for a deposit on an apartment that the lister didn't own. They had a lease, access to conversations I had with another landlord and keys to a place for a viewing. When I wanted the deposit back due to unsatisfactory conditions they refused and I have not gotten my money back. What was listed was not what they had. I reached out to my bank and submitted a complaint through zelle. Anything that could help would be great.
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-09
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: Bread Financial Holdings, Inc. (CA)

I ordered {$360.00} worth of products from XXXX on XX/XX/2021. I still have not received {$320.00} of the items. XXXX shipped my order which USPS showed as pending acceptance from XXXX. USPS is still showing the large order as pending acceptance from XXXX. I've filed a dispute with the comenity bank showing that the item has not been received to date. My dispute was denied as the vendor showed that the product was shipped. I filed a second dispute showing that the shipping number wasn't received and is still pending USPS. They responded almost immediately saying that they already reviewed and the dispute is denied.
Consumer complaint received 2022-01-24
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. (LA)

XXXX XXXX In Store Order XXXX Order For Purchase Total XXXX Promised 24 Mo Finance , Recended, Pay In Full HAVE NOT RECIEVED ITEMS PURCHASED CONTACTED XXXX XXXX CITIBANK / Told To Pay In Full XXXX XXXX  Customer Service Will Do Nothing CITIANK FRAUD / XXXX XXXX  FRAUD
Consumer complaint received 2022-06-09
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: OPORTUN FINANCIAL CORPORATION (NY)

This company has reported information that was not correct they have misused my credit report on all credit bureaus they have ruined my credit, per the law you have to send a validation of debt, also a fraudulent affidavit and I have yet to receive that information and this company has violated all laws and regulations, In accordance with the fair credit Reporting act OPORTUN/ XXXXK # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an + open end consumer credit plan as late for purpose. This company had broken all the laws they have reported information on my credit bureaus 2 times this month and its totally unacceptable and my Attorney has told me all my rights have been broken I have been deceived by this company has called my phone numerous a times Also this company is reporting on my Credit Bureaus that this is Auto Financing how is that possible one minute they say its a credit card now they are saying its a Auto this cant be right, they are reporting fraudulent information
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

Credit Collection Service is trying to collect a debt that is NOT mine. I have already told them its not mine but still on my credit report. 




I know my rights as a protected consumer. I did not Knowingly obtain possession of goods services or monies as a result of these alleged transactions that I am seeking to block. 
According to 15USS1681c-2 and FDCPA 806 -FDCPA 806 harassment and abuse I am a victim of harrasment and abusive practices, getting calls and auto voice notes during working hours. I already contacted the creditors and told them that these accounts where inaccurate, but they were still reported negatively to my credit report without my consent. 

I am the original creditor and as such being born a natrual person I am the only one who has the right to extend credit. Therefore the use of any information to extend credit to me without permission is a blatant violation By law you are to disclose that you will be sharing my personal information. You did not disclose the fact to me whether written or otherwise that you were going to report my personal information. This is also a violation of 15usc 1681b
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RENASANT CORPORATION (MO)

On XX/XX/XXXX, Renasant Bank updated by account XXXX with a balance {$500.00}. It appears XXXXenasant may be double dipping because I satisfied this account on XX/XX/XXXX. 

On XX/XX/XXXX, the balance of this account was {$740.00}. I made a payment same day of {$45.00} and made subsequent payments the following months. I paid the final payoff of {$300.00} on XX/XX/XXXX satisfying the entire balance of the account. I am asking Renasant bank to review my pay history and my branch activity to pay and satisfy the account. When Renasant reviews this information, I determined the account should show satisfied.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

It appears that the Consumer impacting unethical incentives, misleading process, and incompetent processing by Citibank AND Home Depot is resulting in considerable financial damage to me personally. 

My credit report shows a {$200.00} balance was charged off by Home Depot AND Citibank. I was NEVER sent a physical charge card. I was NEVER sent ANY statement. 

I have carefully built over a 40 year credit history with no missed payment. This unethical and incompetent behavior by Citibank and Home Depot is impacting me financially. 

The reporting shows I applied for {$200.00} credit during checkout process during XXXX as part of instant credit offering and it was not paid back. But, again, I NEVER received a charge card, not did I ever receive a statement from either Home Depot or Citibank. 

My request is to remove this damaging information from my credit report. I offered to pay {$200.00} even if the checkout clerk opened an account in my name without my permission.
Consumer complaint received 2022-08-17
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. (AZ)

On XX/XX/2022 I paid my credit cards full balance of {$610.00}. I needed to pay this credit card off in order to close on the purchase of my home. 
XX/XX/2022 I received a letter from this credit card company stating I still owed this balance and stated I was late on payments and was charged late penalties. I went into the branch to ask for help and they advised me to call the number on the back of the card. 
When I did call they asked me to send them proof that the money was indeed taken from my account. I faxed them this information and I have yet to hear back from them. Every time I call they tell me I have to go into the branch to figure this out. They have me going back and forth and no one has helped. My credit is now being affected by this.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

Dear CFPB, Some of the questions on the forms- they ask if I tried to fix the problem with the Company! Yes! Yes! I have done so much to straighten these matters out with the Companies! So many Phone Calls! So many E-Mails! And Paper Mails! 
AN ENORMOUS AMOUNT OF PROBLEMS - seems - to have started when something went wrong with 1 accountatXXXX! 
It was aCheckingAccnt. I was using that accountto make automatic payments to a lot of Credit Card Companies. 

When something went wrong with thatcheckingaccountatXXXX- it caused things to go wrong with payments to Credit Card Companies! 

Then - that caused Credit Card Companies to start sending false info to my files at Credit Bureaus! 
Then - that caused those Credit Bureaus to send false info about me to a lot more Companies! 
Maybe all over Corporate America? 
How many Companies??? 
Strange thing- if somethinggoes wrong with 1 account- if it is acheckingaccount- it can spread a lot of problems to a lot of companies! 
I have done so - SO MUCH totry to getthese things straightened out withCompanies! 
And I gave the XXXX XXXX a back-up checkingaccount number that they can use until the primary checking account is fixed! 
I will file a more detailed complaintwhen I have more time & more energy! 
There R so many more details to write about! 
When I have better health!
Consumer complaint received 2022-01-23
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. (CA)

I have contacted XXXX, XXXX, and Equifax regarding the exaggerated drop in my credit score as fraudulent. They continually drop my credit score drastically even if I pay off my balances, and due to the fact that " ONE '' credit card balance is over the limit they disregard other factors of my credit worthiness such as exceptional payment history. Balances are always incorrect by 2-3 months greatly affecting my credit worthiness over and over again.

They are currently using a formula that fraudulently basis a consumers credit worthiness because of " one '' account over-the-limit, or over 50 % and disregarding monthly paid balances.
Consumer complaint received 2022-01-23
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)

My credit was pulled without permissible permission on XXXX by XXXX XXXX XXXX ( XXXX ). A forged application requesting permissible permission was then made one day later on XXXX and a car was fraudulently purchased in my name. XXXX sent the attached letter on XXXX. I considered XXXX as reputable and thought it was resolved 16 months ago. However XXXX sold the debt to XXXX XXXX XXXX who is now harassing me for payment. XXXX requested the CRAs delete XXXX reporting of the trade lines associated with this account but then found another way to report this trade line on my report.
Consumer complaint received 2019-12-31
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: FACTUAL DATA CORP. (OH)

Factual data and /XXXX XXXX XXXX pulled my credit twice with out my permission, they pulled it on XX/XX/2019 and then pulled it again on XX/XX/2019 which should have no affect on my credit score, factual data and XXXX   XXXX XXXX came back with a false reading they stated my XXXX was at a XXXX and my XXXX  was at XXXX and my XXXX  came back as a XXXX, which is a big discrepancy, as of XX/XX/2019 XXXX XXXX stated my XXXX  is XXXX and my XXXX  is XXXX and my XXXX  XXXX XXXX. I want factual data to remove the hard inquiry on XX/XX/2019, and XXXX XXXX I Okayed XX/XX/2019 but not the XX/XX/2019, they was to look at my credit report for positive changes. and to be honest when they pulled my credit on XX/XX/2019 it was a big descrepency from what XXXX XXXX was reporting as well, this is not right, this is not just, this is poor lending practices, again factual data and XXXX XXXX XXXX is not reporting credit score correctly
Consumer complaint received 2020-04-16
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. (CA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP (IL)

A Key Bank employee opened accounts and a prepaid card in my name. I was notified by mail on XX/XX/2021, that an account and card existed under my name. It notified me that there were recurring payments on the card in question. I want the accounts and cards at their bank closed immediately as they are the result of fraud at their bank. I would prefer someone contact me to confirm they were closed.
Consumer complaint received 2022-01-22
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. (CA)

THE CREDIT BUREAUS HAVE CONTINUED TO FAIL ME IN DOING A PROPER INVESTIGATION INTO MY DISPUTES REGARDING MY IDENTITY THEFT CASE. I DON'T KNOW IF THEY ARE IGNORING ME OR WHAT.
Consumer complaint received 2020-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2019, a " debt '' was put on my credit report with Transunion for {$720.00}. It was done by XXXX XXXX, a former place that I had moved from. The reported through XXXX XXXX XXXX, that I owe this money because of " damages '' to apartment when moved out. I moved out on XX/XX/2019 with a 60 day notice given to them, scheduled a final walk through with them also. At the final walk through, the only thing found was XXXX broken window blinds and a chipped faucet to the bathtub. My XXXX XXXX XXXX daughter was with me at the time as a witness, because I know how these landlords will fraudulently put down things " wrong '' with apartment so that when tenant moves out, the services they hire to " redo '' repairs, can be paid on the tenants dollar. They even said that they had to wax the floor. That floor wasn't even waxed when I moved in. As a matter of fact, the apartment was dirty, down to the electric plugs having dirt grime build up on all of them. I had to ask them to send maintenance back in to go over apartment again and clean it ( which they did a sloppy job still ) I didn't complain about it when I moved in, because at that time, I was living in my car, and didn't want to rock the boat with anything to cause me to not get the apartment. As I was living there, there was also a tenant who was harassing me, to the point she tried to run me over with her car. I kept telling the XXXX, but they would do nothing. They basically didn't like that I was persistent and " complaining '' to them, so this maybe this was their way of getting back at me. I explained to Transunion that these are fraudulent charges. The XXXX at the time of walk through, even wrote things down, only on a back piece of paper, I asked her to let me see, she wouldn't so that way I couldn't sign agreement of listing. I asked her if I could have a copy and she said their office is being remodeled therefore, she couldn't give me a copy. How are they able to get away with this, but when I come up to dispute this, I have to accept whatever they submitted. Nothing agreed and signed by me. Along with their intimidation and retaliation, which is illegal, so is this. Transunion did not take this off my credit. I am trying to get a place now, and this being on my credit, will also hinder me to do so. I can't be added to the homeless epidemic that governor XXXX is fighting for. Owners and landlords need to be hit with stiff penalties when they try to do this to tenants that move out. It happens to much, to too many people. Something needs to be done, and you can start here with this complaint. Please initiate Transunion responsible for not taking this off my credit. Thank you very much.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Affirm Holdings, Inc (NY)

Dear CFPB, About the Telephone Company, XXXX & a new Credit Company called - " Affirm " - These 2 companies did adverse decisions- They said that I could not get the 0 % Interest Deals!

Then- they failed to provide an FCRA Adverse Decision Letter. 
I was expectingthat kind of letter - - explaining Y the adverse decision happened & what Credit Report was pulled & how the customercan get a copy of that report. 
They failed to send that. 
They wood not say what companies were pulled. 
Was it XXXX? 
XXXX? 
XXXX? 
XXXX? 
XXXX? 
Some other company??? 
And Affirm spammed me with advertising that tries to sell bad deals for pplwith bad credit! 

Also - Affirm did not give me a telephone number to contact Affirm.
Consumer complaint received 2022-06-09
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. (AL)

Credit ran by multiple financial services without my permission. XXXX XXXX XXXX; XXXX XXXX XXXX ; XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (AZ)

I requested a letter of validation of debt twice now and they have not sent it to me, it has been over 30 days and they claim to have sent it to me but the letters I got and saved only show the total amount owed not what I requested. I called the company and they are telling me they sent it when they have not. I requested a email and one was not sent. The When I was requesting the debt over the phone the woman kept trying to convince me to pay before getting that letter and almost refusing to provide it. This has been removed from my XXXX already as well due to meeting the FCRA requirments.
Consumer complaint received 2022-12-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (NY)

Please note that the fields that i checked are not accurate. Because the problem I am having as a consumer relying on a PAYPAL BUYERS WARRANTY is not an option strangely enough. 

I have filed a claim for shoes that I ordered from XXXX that have not showed up now in more than two months!!! 

They have closed the claim and have reneged on giving me my promised warranty I of course would have never bought shoes from XXXX had I not had the confidence of a paypal warranty. The amount for the shoes is XXXX. There are also two other transaction that the same thing has happened. One for XXXX and another of XXXX. 
totaling XXXX
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rock Creek Capital, LLC (CA)

I leased a car in 2016 and paid for 3 years through XXXX and XXXX partner company xchange leasing. All the payments for the lease were made automatically through my XXXX earnings. I leased the veichle for 3 years and made every single payment. A company called Rock Creek Capital , LLC and XXXX XXXX XXXX XXXX is claiming there is a balance owed from that lease, this is a false statement and incorrect. The company claimed that I canceled my lease early and there are fees but that is also false. I attached a screenshot of the terms of the lease from xchange leasing. As stated I paid all payments automatically through XXXX. When I returned the Veichle the leasing company informed me that I do not owe anything. This is some type of false debt. I spoke to the company after receiving the letter, they asked for proof that i owed this money and they never responded to me and never sent any proof. This needs to be resolved as its inaccurate information.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/2021, I applied for an extension of credit and a few days letter I received an adverse action letter stating I was denied. I would just like to know what laws and procedures were used to come up with this determination, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. American Express accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX. 
This account has been paid in full. Late payments still report and loan still reports on credit report. 
XX/XX/2019, account has been paid in full. 
Amount of {$16000.00} Has been disputed previously before, but still reports on credit report.
Consumer complaint received 2019-12-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

On XX/XX/XXXX, after receiving notification of a person fraudulently applying for a credit card using my information, I placed a fraud alert on my credit with XXXX, XXXX, and XXXX. On XX/XX/XXXX or XX/XX/XXXX, ACE Cash Express granted a fraudulent payday loan to a person using my name, date of birth, and social security number. The funds, more than {$2500.00}, were deposited into someone else 's bank account. The fraudster used their own bank account number, home address, and driver 's license. The customer service representative stated that the loan did not go through the usual verification process before it was transferred to the thief 's bank account.