davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (TN)

Since the life of the card, I have had numerous issues making payments with this company. I have attempted to make payments to this company from two different banks & bank accounts to no avail. This company claims my banks are rejecting them, however my banks state that they never received the request. After that didn't work, I made payments with XXXX and still had issues with this company. They call multiple times a day and they don't seem to care that they are breaking the law with their collection practices. They have charged {$40.00} each time this has happened for late fees. This fee I have incurred multiple times even when it was paid by XXXX in advance. They have charged over the limit fees of {$29.00} & {$35.00} after they caused the account to be over the limit by adding late fees or the {$100.00} membership fee, I was unaware of. This company makes it almost impossible to get your cards paid off because of the fees. I am afraid to answer my phone because they call multiple times a day even after they have left messages and they spoof other businesses numbers to get you to answer the phone. Even after paying almost {$400.00} in fees this month, they are still calling and requesting more money. This company has made my life miserable, and I want them stopped. I currently have 3 cards with them ( Destiny XXXX, Milestone XXXX, and Indigo XXXX  ). Both myself and my wife have spoken with this company to rectify this situation and they are either extremely rude or they are not helpful with this situation. I have even been threatened with court proceedings from this company.
Consumer complaint received 2024-12-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Slovin & Associates Co., LPA (OH)

I am submitting this complaint regarding wage garnishment by Slovin & Associates and their repeated failure to respond to my attempts to resolve the matter. I have made three documented attempts to contact the company to negotiate a settlement or alternative arrangement, but they have not responded. The ongoing garnishment is causing severe financial hardship for my family. 
Key Details : Total Garnished to Date : {$1600.00} {$1200.00} garnished previously. 
{$400.00} garnished recently. 
Dates of My Attempts to Contact : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> First date of contact : XX/XX/year> via phone call to get a settlement offer. 
Second attempt : XX/XX/year> via email with Garnishment letter. 
Third attempt : XXXX via email with Garnishment letter. 
Fourth and final attempt : XX/XX/year> via email with Garnishment letter and phone call. 
Company Response : None. 

The garnishment is creating an unsustainable financial burden. Below is a breakdown of my monthly expenses : Rent : $ XXXX. 
Utilities : {$300.00} $ XXXX. 
Childcare : $ XXXX. 
Health Insurance : {$190.00} per pay period ( $ XXXX based on bi-monthly pay ). 

These essential expenses total approximately {$2000.00} $ XXXX, leaving little room to cover garnished amounts. This has affected my ability to pay for necessities, including rent, utilities, childcare, and medical expenses for my family. 

I have contacted Slovin & Associates multiple times to propose a settlement offer of {$370.00} ( the difference between {$2000.00} and the {$1600.00} already garnished ). I have provided all requested documentation and explained my financial hardship, but the company has failed to respond.
Consumer complaint received 2020-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received notification 2 days ago that my credit score with TransUnion changed. I was HORRIFIED to learn through several other websites ( XXXX XXXX, etc ) that my TransUnion credit score dropped 85 points for just one reason. My utilization on my XXXX XXXX was at {$460.00} out of a {$500.00} credit line. My mortgage is always paid on time. My auto loan is always paid on time. I have a friend who has NO good trade lines and his credit score is higher! WHY? My XXXX score was also very low despite having paid most of my bills on time and was wondering why my XXXX score was so much higher than these 2 credit bureaus even though ironically my personal information was exposed through these very two credit companies that are currently discriminating against me! I am XXXX as is my spouse who is also a XXXX and we struggle to pay our bills and was just about to do a cash out refinance VA loan so we could consolidate bills but more importantly, modify our home due to a XXXX necessity and add a bathroom downstairs for my spouse who has trouble on the stairs. So now, thanks to TransUnion and XXXX, we are being declined. I contacted TransUnion ( who outsources calls ) and was on hold for 45 minutes yesterday and when I finally got through was told there was nothing they could do because they could not access my report due to their " system being down ''. I have been locked out of the TransUnion website and have to rely on 3rd party credit companies to get any information. And despite receiving an email that my password was reset I still can not access their site because I am once again locked out. I am disgusted angry and in disbelief that any scoring system would do that to someone and to make matters worse, my credit was even improved due to incorrect information being deleted since then but no changes have been made to my score.I intend on searching the internet to see if there is a class action lawsuit against these 2 credit reporting companies and join one or start one myself. Thank you for allowing me the opportunity to address this unfair and almost criminal company doing everything they can to ruin me and my family!
Consumer complaint received 2022-05-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2024-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-05-01
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. (CA)

In accordance with the fair credit reporting act. 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 2022-05-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX acccount # XXXX Date opened XX/XX/2020 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 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-12-13
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service (NC)

This is a Military Star card account. It can be used at military bases around the world but I use it primary at the base close to where I am stationed. This account has been paid and returned multiple times since I have opened it. When asked why this is, I get told the system does things automatically and then it is up to the bank. I recently paid a payment on XX/XX/year> in the amount of {$100.00}. They payment showed current on XX/XX/year>. On XX/XX/year> the amount returned to my account, a returned check fee was assessed on top of another payment with the rep at the call center saying another late was going to be assessed soon. When I asked why my account was like this, I was told to call my bank and figure it out with them. I was also referred to the credit dispute department.
Consumer complaint received 2024-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (TX)

In accordance to the fair credit reporting act this creditor has violated my rights UNDER 15 U.S.C. 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account with out my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on an account under an open end consumer plan as late for any purpose.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

We are an elderly couple trying to buy a home with a Reverse Mortgage for Purchase. As a result of us being scammed many years ago, we have our credit froze or locked..The other two credit reporting agencies, XXXX & XXXX  have unlocked our freeze without issue HOWEVER, Experian refuses due to some sort of security breech ( theirs ). They want us to send them copies of bills, bank statements etc and it will take them WEEKS to process. Our home is for sale and we are trying to purchase one in another state ... .Weeks to process their foolishness is unacceptable!! We feel they are trying to hold us XXXX and trying to stiff-arm us into purchasing their " membership '' which they will process faster ... Please advise..
Consumer complaint received 2024-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Consumer complaint received 2020-05-15
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. (CA)

Experian is reporting incorrectly a collection in the amount of {$2700.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX XXXX XXXX and was in the XXXX. During this same period of time my wife also had to have XXXX. Both my wife and I were treated with participating providers with XXXX XXXX XXXX  We met all of our deductibles and maximum out-of-pocket on the health care insurance plan and therefore there should not be any outstanding balance due. I have attached a copy of my insurance card for reference. First, I never received any Explanation of Benefits showing there was an outstanding balance due ; Second, it is outside the statute of limitations for XXXX XXXX XXXX to process this claim ; and Third, it is outside the statute of limitations for payment. This billing error was not my fault. XXXX XXXX XXXX   insurance billing department should have properly remitted the paperwork. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted customer service at XXXX XXXX XXXX  as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-10-11
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. (MO)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX. Bank Of America with NO authorization issued a payment to XXXX XXXX in the amount of $ XXXX leaving my account over drafted. 

Not only that I do NOT have an XXXX card but they left me no funds on the account. Not money for living. They took ALL THE FUNDS. 

On top of that they changed my personal information on the online banking- changing my email address where i receive all the correspondences. 

Until today I've spent hours on the funds and until now this has not been resolved.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (GA)

Back in XXXX I saw this company on my credit report. I have disputed them with all three for information on my credit reports. They removed it from one but its still on two. I dont know this company, and I asked for debt verification A signature, proof showing this account belongs to me. The credit bureaus are allowing them to keep updating information instead of removing this from my credit file. I put down FCRA law codes etc. I want a debt verification or remove this from all credit reports asap.
Consumer complaint received 2024-12-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> filed a dispute to Wells Fargo bank about a translation done which I did not request at lest XXXX different times to the same account for the total amount of {$530.00} to XXXX infinite loop the back told me that they will look into this and get back to me they but back the amount for in the mean time then today XX/XX/year> XXXX that the amount was reversed back to the bank because according to the fraud department the amount of transactions werent made with the physical card that it was done electronically through XXXX XXXX which was link to the phone number to the account they couldnt and wouldnt honor me the money as a fraud. I also told them that I have been searching the web and I see that a lot of people have been complaining about this being a scam. So all they can do is file a complaint so now I am out of {$530.00}
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

I requested Chexsystems to place a security freeze on my report. They did so but I never got the PIN to manage my report or create my account online. As a result I am locked out of my report and Chexsystems has frozen access to my report so I can not open any accounts. 

There is no real way to talk to a person as the toll free number keeps cycling through recorded messages and when you want to speak to someone it disconnects.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

in accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1681 section 602 A.States i have the right to privacy.it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-11
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-05-14
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

While in the process of a refinance, it was brought to my attention of a purported debt owed to Nissan Motor Acceptance Corp. from 2015 which appeared on my credit report stemming from the end of a lease. At no point was I ever advised of this debt or brought to my attention to resolve it. This is because the debt was completely false. 

XXXX XXXX  ( my refinance company ) connected me with XXXX XXXX who called Nissan with me to figure out why it was there. During the call, they refused to remove the debt and insisted I owed it. To say they were rude would be an understatement. 

While on the call being accused of owing something I did not, I located the attached letter proving that my account balance is XXXX. I asked him if I can send it to him and he said fax only and they would try to get it resolved in 10-15 days. Since my closing is within that time period, I asked him to move faster and he refused. Instead he told be to call XXXX XXXX XXXX - which I did - who actually confirmed to me that they are showing that no such debt exists. 

While I am also faxing this proof to Nissan, their attitude and disregard for consumers who pay their bills in full is unacceptable and should not tolerated. I am reporting this as others should not have to deal with credit reporting issues which should otherwise not exist.