davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-22
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: LEXISNEXIS (KY)

On XX/XX/2020, I sent a letter to the US Bankruptcy Court asking them to explain their procedures for verifying records with the credit reporting agencies. According to my credit report, it claims the " magistrate '', " the recorder of deeds '' or " municipal court '' as the one who furnished the information on my credit report. The problem is none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus, and publishing false information is a violation of the Fair Credit Reporting Act. The only way this information can be accurate is if the credit bureaus received this information directly from the courts, so with that being said this should be removed from my credit report. On XX/XX/2020 I sent a verification that the court itself did not furnish this information itself and therefore it was a violation of the Fair Credit Reporting Act. They did not show proof of their verification with anything bearing my signature. How do you reinvestigate something send no proof then say it was verified as accurate? Especially when I send proof to back what I am saying and they produce no evidence. This includes XXXX, XXXX, XXXX XXXX, and Lexis Nexis.
Consumer complaint received 2021-09-15
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: LEXISNEXIS (NY)

There is a bankruptcy that is appearing on my consumer report that is in direct violation of 15 USC 1681b ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 ). It is also is not associated with me. On XX/XX/2021, I received confirmation from United States Bankruptcy Court XXXX  District New York, which I have attached to this complaint. It states that there was no bankruptcy found with my information.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I have a credit card with XXXX XXXX XXXX XXXX XXXX I make payments on the due date but sometimes after XXXX. I am charged a {$35.00} late fee for payments made after XXXX. My most recent statement I have {$310.00} in fees charged in 2021. I may have made a payment the next day once or twice I'm not saying every fee should be waived however I think its wrong to be charged a {$35.00} fee for making it after XXXX when 95 % of other cards you have until XXXX pm to make a payment before being assessed a fee I contacted the credit lender and they said because they are in a different time zone it goes by there time zone. I am looking for resolution from your office this is unfair to the consumer I feel like it is an extra way for them to take advantage of the public and charge these fees. All creditors should operate with the same practice of XXXX PM.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

I have tried to remove old addresses, old name variations, and other information from my credit profile but the bureau doesnt remove the data. Per FCRA Section 623 ( a ) ( 1 ) ( C ) A Credit Bureau can not report information the consumer has told them is inaccurate. All old addresses and information needs to be removed from my credit profile due to being inaccurate.
Consumer complaint received 2021-09-15
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. (DE)

Requested certified and validated letter from their data furnisher on the accounts showing a bankruptcy. XXXX states the reports are valid and verified by my bankruptcy attorney but fell short of providing evidence of written verification letter from him/her, plus a consent was not provided by me to access information from their so called attorney. I still need a letter of validation from the bankruptcy court and/or data furnisher about the two bankruptcies that appear on my credit profiles. 

Additionally, XXXX is reporting inaccurate information on the same bankruptcy. Has it discharged. 

Experian states that it was able to validate the bankruptcy with its data furnisher but did not provide me with the name and address of the data furnisher. In the past, they all claimed that the bankruptcy report was from XXXX. I contacted XXXX which wrote that the information was unverifiable and that it would be removed and/or deleted. 

According to FCRA, information must be verified, validated, accurate and fair. 

Please have all 3 bureaus send me certified letter with information of their data furnishers instead of false incomplete and inconsistent claims they continue to make about their credit report data sources. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2021-06-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My car was repossessed around late XX/XX/XXXX or early XX/XX/XXXX XXXX XXXX XXXX. I redeemed the vehicle within the allotted timeframe. I was told all monies past due, the next month 's payment, fees, and recovery charges were due in oder to redeem the car. So that is what I did. Within a few days of getting the car back, I received a bill saying I owed over {$100.00} after they just said everything was due before I could get the car back. XXXX XXXX XXXX has not reported to ANY of the credit bureaus nor provided me a statement or accurate balance since then. Every week most times several days a week I received harassing calls threatening to repossess my car even though I have made double and triple payments. I've had to take their word and pay whatever they said to pay. They kept saying they weren't bound by law to provide statements once the car had been repoed. This goes on for 27-28 months I had to write down what I paid, when and the balance. They said the was not any interest being charged at this point and the balance was simple, but they would confirm this with writing. On XX/XX/XXXX while getting ready to remit payment for the month XXXX XXXX of month XXXX they say 11 of my payments were reversed and the were picking my up, out to call back sayin it was a mistake. The balance was agreed back in XX/XX/XXXX that it was {$10000.00} and then XX/XX/XXXX the account status change and the balance Is now over {$15000.00}. They still have not fixed this " system issue '', no one has called back to give me an update on it and I been sending letters to XXXX XXXX XXXX and the credit bureaus every month since XX/XX/XXXX and neither have responded to any of my letters. By law, they are supposed to conduct their investigations and respond to the consumer wishing 30 days. Now they have decided to begin reporting again ( INACCURATELY with the balance and missing 27-28 months of history ) and have caused my score to drop almost 60 POINTS!!!
Consumer complaint received 2020-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (FL)

We were supposed to have 12 months no interest then interest on the remainder of the balance after 12 months. After the 12 months expiration they charged the full interest on every purchase made with the card even with this COVID-19 situation. I was charged more than {$1000.00} interest, thats insane!!! They are just bunch of scammers, Ill contact my lawyer ASAP!! 
User 's recommendation : Dont get fool by XXXX XXXX. Pure liars and scam. 
Edit
Consumer complaint received 2020-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XXXX I sent a letter regarding inaccurate and unverifiable Information on my credit report on this date over 44 days later I have not received a response yet. I feel I am being taken advantage of being ignored in my dispute process. Section 611 ( a ) it is plainly stated that a failure to to investigate these items within 30 days gives a reason to immediately remove those items from my credit report on this date it is over 40 days later so they should be deleted promptly. I demand for the bureaus to comply with deletion or I will file for litigation due to the stress and erroneous items reporting on my credit report. My information was also impacted by the XXXX  data breach and may have been in the hands of the wrong person.
Consumer complaint received 2020-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

capital one recently closed my a/c ending in # XXXX = w/o legal justification, and w/o due process of law - my a/c was paid in full = the company attacked me because i am caucasian  and a supporter of president trump & because my skin color is XXXX = i was in full compliance with the terms of my a/c & they unlawfully retaliated against me merely because i am a XXXX  american = the company officials are XXXX against white americans
Consumer complaint received 2021-10-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Refinanced my vehicle loan with Capital One in XXXX. A new loan has been opened under my name with a payment due XX/XX/21 however capital one continues to fail paying the bank that currently holds the title. I have reached out multiple times with no success reaching a solution to the problem. I have been told countless times they would get an overnight payoff sent and call me back to confirm and never hear back. I have been sent to multiple departments including XXXX with the customer resolution team who continues to give me a different story every time I reach out and fails to follow up with me as promised. 

I now have two open accounts on the same truck and two payments due and no help from Capital One.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TN)

On 3 different times Ive disputed this account, had it re-investigated and also spoke with Midland to resolve this issue of validation and inaccurate reporting. They continue to update with the Credit Bureaus and the information is not being properly verified on their behalf as well. The Month of XXXX, XXXX, XXXX, XXXX & XXXX have been verified without notification to me the consumer as to how and Im receiving all the damaging information to my Credit Report.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXDate of inquiry XX/XX/XXXX XXXX CB-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX BANK XXXX of XXXX XX/XX/XXXX
Consumer complaint received 2023-02-13
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. (NC)

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.
Consumer complaint received 2020-11-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a federally protected consumer and Capital One Auto Finance has violated me under the provisions of 15 USC 1692, 15 USC 1605, 15 USC 1602, and 15 USC 1681. Please review the attached documentation.
Consumer complaint received 2020-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK (IN)

Beginning in XX/XX/XXXX my Discover card was hacked again. This started in XXXX of XXXX. 
The minute I put money in a bank account, cyber-thieves ( beginning with XXXX from XX/XX/XXXX ) got into my XXXX data and began sending fake bills. I have copies. I REFUSED TO PAY after having been an excellent customer. 
Because they hacked my phone and cable. Every browser, every sie site. I could not contact them except to reach a foreign port with foreign people. 
I have proof of my attempt to contact every law enforcement company in XXXX. 
My hard drive had been downloaded-EVERYTHING was compromised. 
I did eventually pay off the card and last year XXXX called Discover for a new card. 
They got my info again. In the past month I received a bill from a law firm asking for XXXX in payment. 
Since then they have a filed a court document. 
This is sickening. 
And I could not get a new caed because by that time my credit was ruined. 
This needs to be FIXED. 

THEY GET IN TO MY STUFF THROUGH My XXXX Please fix this I will be eternally grateful. 
I will gladly go to court with all of my documents accusing a fake Discover hacker. 
Because my phones were hacked, my calls to Discover were diverted. I was unable to reach them.
Consumer complaint received 2020-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

I made a payment to American Express of a sum of {$1100.00} on XX/XX/XXXX. 
Prior to that the sum of {$900.00} had been paid on XX/XX/XXXX, and was collected without any sound made. Whatever now happened with the {$1.00}, XXXX beats me hollow. 

Amex claims that they could not verify the account. That they can not verify the payment was legitimate and that I had the money in my account. This is an amount that had left my checking account ending - # XXXX, since XXXX XXXX, XXXX And this is the same checking account that I have been using for payments since XXXX. This has been scores of payments and then suddenly now, in XXXX and XXXX season, it is no longer possible for Amex to verify the payment? Seriously? 

What I noticed is that each time I had made attempt to resolve this problem, Amex kept attempting to access my other bank account password and personal details. This has been going on for over a month now, where Amex has been trying to access my checking account by all means beyond what concerns them. 

It appears that there is a potential threat to people 's personal details for cyber attacks this season by these irresponsible practices and disregard for security of the customer 's account by banks like this, so this matter needs to be noted for the safety of users. 

The problem is that these two banks - XXXX and American Express Bank has sat on my money ( {$1100.00} ) for more than seven days and have been lying to me about who has the money and who doesn't and each time Amex will attempt to collect the password to the XXXX account by all means possible ; stating that if I do not let them, they would not deposit the money. and my account will go into lack of funds. 

There is full evidence that the money was and is available to them and there is no logical reason to assume that the funds that has been sent to them for seven days is not real. the money has been sent to Amex without any restriction since XX/XX/XXXX. 
This act of suggesting and attempting to intimidate me into collecting information that does not apply to their account should be investigated. It is scary. 

Thus, I am worried that I am being intimidated by Amex Bank in a way that bothers between blatant discrimination and misconduct. 
I wish to report this here today so that it can be documented that this kind of thing happens and it is detrimental to the wellbeing of customers who are being intimidated and mistreated in this way. 

This should not be happening.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Filed a complaint with XXXX XXXXXXXX on the following dates : XXXX XXXX XXXX All for the same issue of my current credit card Which was opened on XXXX XXXX not appearing on my experian credit report. I have filed a complaint directly with experian and it still has not been resolved. Inaccurate data is being reported and that is not okay. The inaccuracy of reporting is causing a great financial burden for me and my family.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

Stayed at the XXXX XXXX hotel for a week. Hotel had a strong weed smell despite saying no smoking. Cockroaches were in the kitchen. The bathtub was dirty. Stove had poor ventilation, making it impossible to cook without a metallic smell. Internet would cut out constantly making it hard to do my job despite internet being advertised. I stayed from XX/XX/XXXX to XX/XX/XXXX, for a total of {$500.00}. I wasn't able to cancel my reservation. At the end of my stay the staff said I would be getting a full refund. I called the hotel when I did not receive a refund, and they said to contact the company through the website. I contacted the company on XX/XX/XXXX, but got no reply. I disputed my transaction through Wells Fargo on XX/XX/XXXX. They gave me a credit, and said my credit would be permanent after giving them this information, but now they are saying they are revoking my credit for the {$500.00}, and that they can't do anything about it.
Consumer complaint received 2022-07-14
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: WELLS FARGO & COMPANY (NY)

I have charges on the account that are not mine. I spoke with credit card company WellsFargo, and told them I have never made them charges. My credit limit is only XXXX, and WellsFargo says I owe them XXXX.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO  score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2020-11-22
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 have sent several letters to Equifax showing them that there are accounts reporting as collections on my credit report that dont even have a collectors name on them. And Equifax only responds by saying the accounts are verified as accurate. How can these accounts possibly be accurate if they dint even have the name of the company reporting them?! And why isnt Equifax fixing this on my report? It seems like Im just send letters to robots and all they do is verify. These accounts are NOT accurate but Equifax keeps reporting them regardless? Some of the accounts dont even show I disputed them? Is Equifax allowed to just ignore the disputes the consumers send in? And just keep reporting the information incorrectly? Seems like there should be some regulations they have to follow? I will be contacting a lawyer about these three accounts and the fact that Equifax keeps reporting them even after I have reported their errors to them. 
Account : XXXX, Account : XXXX, Account : XXXX