davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I was provided an extension of my car loan payment from NMAC in XX/XX/XXXX and XX/XX/XXXX. I requested the extension before my due date. The car loan account was closed and fully paid as agreed in XX/XX/XXXX. However, NMAC is reporting the extension they authorized and approved as a 30 day late payment. I was never told that by extending my payment it would be reported as a 30 day late pay. I was only told that the payment would be added to the end of the loan and would extend the final payment.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted to identity theft. By submitting this complaint, I am looking forward for the removal of the disputed items completely from my Credit Report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  LA XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXXXXXX XXXX XXXX Balance - Date opened XX/XX/ XXXX
Consumer complaint received 2024-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (TX)

By means of the FCRA, you are mandated to report the maximum possible authoritative, accurate, verified, valid, and certified facts in compliance with XXXX XXXX reporting standards. 

Conforming to the FDCPA, the debt collectors that furnish you with details for reporting purposes must have physically verified, listed, and valid debt claim ( s ), including the portion of the debt disclosed. The mere fact of a debt does NOT assert report-ability of any declaration ( s ), whether correct or not. Report-ability of a credit event must be executed in an ethical and lawful process, and in adherence to accepted reporting standards, including the XXXX XXXX compliant format. 

VALID data that is NOT compliant in its reporting process, or inconsistent and not legitimate in its reporting format, INVALIDATES the compliant nature of the reporting itemeven if the debt stated is appropriate and verifiable. 

As is my consumer right to do so, I hereby request that all of my potentially non-positive information be reviewed for : Truth of the claim Adequate completeness of recorded claims Timeliness of the claim Correctness of the claim Physical verifiability of the claim Demonstrated, undoubtable validity of the claim, including all aspects of the claim that are not yet documented The inclusion of the claim reporting status, related to certifiability of compliant processes and adherence to the XXXX XXXX format, is critical. Please review the following claims and determine if they satisfy all the standards and requirements of reporting validity, including certified compliant reporting processes and XXXX XXXX data field formatting. 

Please return to or maintain compliance with valid reporting by immediately removing or modifying the reporting of any claims, challenged or not, to a valid and compliant status.
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY ()

I've a credit balance on my AMEX and AMEX has : - deactivate my AMEX card ( for no reason ) - failed to refund my credit balance ( since 2020 ) despite many international phone calls to follow up after AMEX repeatedly said AMEX will wire transfer - failed to follow up to contact me and refuse to provide any email/person in-charge I can speak with other than me repeatedly calling AMEX and explaining the case repeatedly to customer service each time
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. XXXX and Experian continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report so I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation, and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me severe XXXX and XXXX.
Consumer complaint received 2021-01-21
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. (CA)

XXXX XXXX XXXX XXXX BALANCE {$0.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

XXXX XXXX XXXX XXXX BALANCE {$0.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

2020 I notice my account was XXXX. I didnt know why money was taken. Ive called servers times trying to resolve this issue but sadly, no help. I then decided to bank with another banking company.
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I pay my mortgage through my bank, XXXX bill payment, which has a one ( 1 ) day electronic payment process. Well by XX/XX/XXXX PHH still showed my mortgage had not been paid. I telephoned XXXX and they said the payment was received by PHH on XX/XX/XXXX. I telephone PHH and they indicated that they had not received the payment. I spoke to XXXX who indicated that it takes five days to process. However, XXXX indicated that because the payment is transmitted electronically, it is sent in one day. PHH reassured me that I had 15 days to pay before a late fee would be applied, however, I'm concerned that I am being charged interest on the amount that I already paid. I then notice that on the dashboard page it showed that my payment had not been received, however, when I check the payment activity it shows it was received on XX/XX/XXXX. I've made 5 mortgage payments yet the website says I've only made 4 payment. I received an email that indicated the payment was received on XX/XX/XXXX. Then I received an email saying the payment was received on XX/XX/XXXX. Over a 30 year mortgage, the interest charges could add up if my account is not credited in a timely manner.
Consumer complaint received 2021-07-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (NC)

TRANSFER BY AMEX SAVINGS ACC TO XXXX XXXX XXXX XXXX  ON XXXX WAS NOT RECEIVED IN THE AMOUNT OF {$300.00}!! - AMEX TRACE NR XXXX!! SEE ATTACHMENT!!
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One is affecting my credit. They have false / erroneous items on my account .... These erroneous items are affecting me tremendously. I have called to have the information removed these false late payments are dragging my credit score down.
Consumer complaint received 2022-07-30
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. (NV)

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX* Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello, I am submitting a complaint on Citi bank, they closed 2 of my credit cards because they haven't received document from me. I have tractor supply credit card with citi bank and citi american airlines credit card. I was able to use my cards previously without problem, I was doing my payments on time. I haven't received any letter, because the letter they have sent to me was sent on XX/XX/XXXX on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, I attached the letter they provided to me. But at that time I have already moved to my new address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I attached my statement that you see I have moved to my new address. I haven't received a call or email regarding that they have requested document from me. Whenever I would login there were no notification that there was a problem with my account. When they closed the account the red notification appeared in my account, but not when they requested documents, I attached screenshot. I am not asking just to reopen my cards, I request to allow me to send them document they requested and process it, once they process it I ask them to reopen my cards. I am ready to provide the information they need, but they don't agree to allow me to send my document and reopen my cards, despite the fact I was never able to know that there is a problem with my cards.
Consumer complaint received 2020-11-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OR)

Hello me and my family have been scammed for a house. We found the house online and contacted the owner and everything seemed fine until the keys never showed up we signed a 1 year lease that was signed by an attorney it was after that we sent the money XXXX for rent witch was XXXX and a deposit XXXX when the keys didn't show up within the 4 days allotted time on the contract we called a locksmith to see if he could help up and he informed us that the house was for sale and already has a sale pending on it. We have copies of all the documents exchanged even his I'd please help us. That was all the money we had. We also paid the application fees when we did the application. My email is XXXX and my phone number is XXXX my name is XXXX XXXX please let me know if you can help
Consumer complaint received 2022-08-12
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C (GA)

Stenger & Stenger contacted me via mail regarding a debt that I do not owe. I called their office demanding the following : -copy of the original signed contract - payment history from the original creditor -name & address of the original creditor -Proof of debt ownership.

I have not heard anything from this company regarding my requested items, yet they are demanding compensation. The correspondence reflects that there are two collection agencies ( one being S & S ) trying to collect a debt that I do not owe. Please provide proof of this alleged debt owed or delete this debt.
Consumer complaint received 2022-12-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (RI)

I was reading that payday loans can't charge more tan XXXX  % on a loan in XXXX  XXXX, but I was charged XXXX  % XXXX on a loan and received more than XXXX. I want to know if it's legal to charge so much interest. On a XXXX loan I paid back close to XXXX or more within 3 months. I go to try and find my loan documents, they aren't available.
Consumer complaint received 2022-06-22
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. (IL)

Hi I am submitting this XXXX 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 719XXXXXXXX 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 XXXX 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 XXXXThis 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 XXXXXXXX  now.with no help.
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, I applied for a cash back American Express card with the terms to spend {$2000.00} in 90 days and you'll receive a {$200.00} cash bonus. After I spent the {$2000.00} within the 90 days, I did not receive the bonus. 

I contacted customer service and this is what I was told : " Welcome offer was denied on your account. Your welcome offer eligibility depends on whether you have had the card which you are applying for in the past as well as other factors. 
I'm sorry for the inconvenience. There are more factors involved than the number of accounts you have opened and closed over the years. Based on your history with American Express, we did not approve you for the welcome offer on this account. '' In the approved application, as well as the approval letter I received, it was not mentioned once that the card was approved but the bonus was denied. 

This is false advertising and a deceptive practice from American Express. While I was using the card thinking I was getting my welcome offer, American Express knew they were never giving it to me but they were happy that I was utilizing the credit card.
Consumer complaint received 2021-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Trojan Professional Services, Inc. (CA)

Hello there, Few days ago I found a collection notice in my credit history while checking XXXX app and become very surprised because I always pay my bills. Same day I visited company ( XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA - XXXX  ) associated with the record and paid everything in full : {$230.00} reported as bad debt. I asked to recall the claim and remove this record because I was never informed that I owe something to this company, however they told me that they cant do that. 

So, here I am looking for an advice and there is a full story below. 

First of all, I always pay my balance at the front desk right after appointment if asked and never had payment issues. 

My kids had been receiving treatment in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX CA from XX/XX/XXXX through XX/XX/XXXX. 

They havent received dental care from XXXX XXXX XXXX as we changed dental clinic since XX/XX/XXXX. 

Also, on XX/XX/XXXX we moved to new house and so our mailing address has been changed. 

Full forward to XX/XX/XXXX : I was checking my XXXX account and found that I have {$230.00} debt collection from XXXXXXXX XXXX XXXX XXXX XXXXn on my account since XX/XX/XXXX. 

I visited this dentistry and paid my balance in full same day. Then, I called them and they connect me with the account manager who told me that they tried to notify me by mail and made several attempts to call me. I asked to recall claim because in fact I was never informed even about existence of the balance/debt, but they declined. 

I double-checked up my voicemail records since XX/XX/XXXX and found only three voicemails from XXXX XXXX XXXX from XX/XX/XXXX that says that theyre canceling my kids appointment due to California guidelines ( Covid related ), on XX/XX/XXXX asking to call them back, and XX/XX/XXXX account manager called me and asked to call them back in my best convenience. I am getting tons of such calls and consider them as a spam, so I did with these because they did not provided me with any information about pending balance or payment issues. 

Simply speaking, I didnt receive any letters, phone calls or emails informing about my medical debt from the clinic. 
I understand they might be sending mails to my old address, but even with turned on mail forwarding feature I did not receive any correspondence. 
However, they had my cell phone and email which could be used to inform me. Which they did not, while claiming that they did. 

My question, should this be considered as unfair practice and a reason to remove my collection record from the credit history?
Consumer complaint received 2022-07-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (TX)

Consumer Adj CO. who listed as the debt collector, whom I have no knowledge of, reported a debt for XXXX XXXX Professionals who is listed as the original creditor reported to XXXX and XXXX a fraudulent debt of XXXX that is stated to have opened XX/XX/2022. This is fraud! An attempt to fraudulently collect monies. I do not have an open or closed contract, agreement nor contact verbally or non-verbal with this entity and have no knowledge of this company. It also shows record Consumer Adjustment CO is a closed facility, or non-operating entity. This entity has been sued constantly and lost cases for fraudulently creating false claims of debts owed. Per the XXXX.org website, each case they lost. I've never received any communication. This is a fraudulent debt collection attempt.