davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (NJ)

On XX/XX/2020, CCS Collections added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all shown. A bill without a signature does not validate the debt and anybody can send and say its mines. According to the FCRA, CCS Collections has violated rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (CA)

Convergent Outsourcing , Inc. has been repeatedly calling me for at least a year now as well as sending letters in the mail. 

The calls have come in before XXXX XXXX and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I have also received numerous letters in the mail. I am a XXXX who suffers from XXXX, and these calls cause me constant XXXX to the point I turn my phone off or mute it, which disrupts my day. 

Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. 

Convergent Outsourcing , Inc. has been repetitiously calling me with the intent to annoy and harass me. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit.
Consumer complaint received 2023-01-09
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: AMERICAN EXPRESS COMPANY (CO)

To Whom It May Concern, I booked a reservation to rent a vehicle thru XXXX ; the actual car rental company was XXXX, and XXXX is brokerage company. The amount was {$350.00} charged to my American Express on XX/XX/XXXX, XXXX for vehicle rental for the first week of XX/XX/2022. When I called XXXX to confirm our reservation prior to departure to XXXX, XXXX from XXXX, I was told that my reservation cancelled. So I had to rent/book a vehicle with another car rental company. Nevertheless, XXXX still charged me for {$350.00} When I called American Express to dispute the transaction after I got back from my trip to XXXX in XX/XX/2022, I was told by American Express that I have to try to resolve the issue directly with the XXXX. I took advice from American Express and I attempted to reach out to XXXX multiple times ; unfortunately, it did/does not have valid email or XXXX number for billing department and/or public relation so I could dispute myself with XXXX 

As the negative result from XXXX, I reached out the American Express 4-5 times, to dispute the transaction ; unfortunately, the American Express refused to help me with the issue because the transaction has been over 60-day window. 

I wasn't aware such a law that required a dispute must be submitted in writing within 60-day. Moreover, the reason it is over 60-day window because I took advice from the American Express to dispute by myself. 

I am exhausted with all the options ; thus, I am reaching to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter and hope the Agency can help me with the issue. Thank you in advance for your help and time.
Consumer complaint received 2022-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX I pulled my credit report and I noticed a bunch of inquiries that are unauthorized and Im very unaware of Ive had no idea whatsoever Ive also filed a identity theft 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 XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AR)

I paid the statement balance on time in full ontime I want the additional money they charged me over the product purchase price. 

Then the company sent me a notice saying it was late I've been called in again and the guy said he was going to waive the late fee and I would pay the statement balance and he told me how to put it on auto pay. 

There's only ever been one purchase on the card, it was already supposed to have been paid off once and then they waived the fee after they mistakenly said that it was late and then paid it off again. 

Now I keep getting text messages now saying I got a {$120.00} bill for the same thing it's already been settled twice, then they said they'll wave the late fee and charge me {$89.00} Then I was like wait a minute what are you talking about this original purchase at this store was just {$22.00} and change and already paid in full. 

The fact that they already had my payment information is the evidence that I never was late. Each conversation we talked about paying the entire statement balance and each time they would just send a new bill, then I would call back and they would say that they're waving the late fee and going to pay the statement balance and the one time they did charge me was for {$35.00} which is not what we spoke about it was supposed to be the purchase price of the product. 

I want my account closed down and I want any additional money that I paid over the purchase price for the product back. 

When they had sent the last two notices, after it had already been settled twice I tried to call the phone number on the credit card and the number just had this answering machine message saying their phones were down and this was for two different calls over the course of a month during XXXX mostly This company is very deceitful and should be closed down.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX  I deposited XXXX on my chase atm and it didnt show in my account I call the bank they said they will. Put a credit in 2 days I havnt recive anything I went to the bank they keep saying same thing what should I do
Consumer complaint received 2022-05-26
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. (PA)

I went to the dealership to try and apply for a car and was denied due to the unauthorized inquiry on my report I was unaware of that i listed below. 

XXXX
Consumer complaint received 2023-01-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Atlas Credit Company, Inc. (TX)

Filed an application on the line. Contacted the main number at XXXX ( XXXX ) XXXX spoke with a XXXX around XXXX she called me back in about 10-15 minutes to let me know I was approved for XXXX instead of the XXXX that I originally requested. She said they closed at XXXX but if I can get all my documents in before XXXX that she would call me back and get my direct deposit information. I called back at XXXX to make sure everything went in, XXXX answered the call and said no they couldnt get anything reviewed and get funds to me till Monday. Then placed me on a hold, she came back to say XXXX told me to wait til Monday. I told her once again thats not what I was originally told and if she would have said this from the start I would not have rushed home to get all the paperwork she needed in before XXXX. She placed me on a hold again then the Manager XXXX answered and said my application is now denied and I would get a letter in the mail for the reason. When I asked why they denied she said it was based off the documents I sent in less than 5 minutes ago. Im the middle of my sentence of asking for clarification XXXX disconnected my call.
Consumer complaint received 2022-07-30
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. (MI)

XXXX XXXX XXXX XXXX has damaged my Experian credit file and due to their reporting tactics my credit score has been reduced by 44 points and counting because of their unauthorized reporting and of {$100.00} past due and erroneously stating my account is Joint and that the original debt was $ XXXX. Since XX/XX/XXXX, I was sold a vacation plan as a mortgage for a property I have not seen. Based on the plan I was advised that I would accumulate points for my family and to take vacations bi annually since I was highly reluctant to sign up for a resort vacation plan. Once I had enrolled I found several road blocks to using the points all resulting in additional out of pocket money being required. This plan was supposed to be unique for me since I stated I am less likely to travel a great distance annually for vacation and would not be a good fit. They told me I could use points for other resorts near my home. I found that I had to pay steep fees to exercise this option including rolling points over annually to use for other options like hotels, car rentals etc. I have repeatedly complained about XXXX experience stating I no longer want the account. I agreed to attend an Owner 's meeting in XXXX XXXX in XX/XX/XXXX where I further told them about my difficulties with using the plan. I was told by the sales person, " Your plan is not a favorable one and should not have been sold to you because it does not allow for the use of the plans benefits ''. He further offered to upgrade me to another plan which I declined. Of the 8 years, the owner 's meeting in XXXX XXXX was the only time I stayed at their Resort for the owner 's meeting. Since XXXX I have paid {$9600.00} plus $ XXXX in taxes and annual fees. My account is now down to $ XXXX and there should be no reason they would not release me from this life sentence package. On XX/XX/XXXX, I contacted XXXX XXXXXXXX XXXX to request our timeshare be cancelled. The sent me a foreclosure threat letter on XX/XX/XXXX and a letter dated XX/XX/XXXX declining to cancel the timeshare. My Experian report reflects 1 negative account throughout my credit history and it is for XXXX XXXX XXXX XXXX 's {$100.00} past due as of XX/XX/XXXX. I specifically told them I had no desire to purchase a product that would impact my credit, nor did they get permission to obtain my credit file. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX as 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. I attempted to dispute with Experian and the returned results in less than a few days with erroneous report.
Consumer complaint received 2021-05-03
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. (WI)

There is an account with XXXX XXXX where the payments are reporting late and that is not the case The account number is XXXX. I have attached proof that this should not be reporting with any late payments
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (FL)

Notice of pending litigation seeking relief and monetary damages under FCRA Section 616 & Section 617 please accept this final written offer of settlement before litigation as my attempt to amicably resolve your continued violation of the Fair credit reporting Act regarding your refusal to delete unverified information from my consumer file.I intended to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 if the unverified items listed below are not deleted immediately.a copy of this letter as well as copies of the three written letter sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

We sold the rental property at the end of XX/XX/XXXX. We then went out of town for XXXX and I forgot that I had an auto bill payment coming out of my bank account to pay the mortgage on XXXX, XXXX. {$1800.00} was sent to Mr. Cooper. Once I realized what had happened I assumed they would send the funds back, understanding that this might take a bit. However by XX/XX/XXXX the funds had not been returned so I called them to find out why. I spoke with XXXX in customer service who explained that since we had another loan with them, on our primary residence, they had automatically applied the funds there. I explained that 1st they should not have automatically done that prior to asking our permission since loan numbers were always provided and 2nd this was commingling funds since one is a rental and the other our primary. She asked me to send her a copy of a voided check to get routing number and account number to return the funds to us. She stated that I would likely see something within the week. She called my husband a couple days later and stated that the funds might be less since they had applied it to the other loan and they would need to take out interest. 
When nothing happened by XX/XX/XXXX I reached back out. This time I spoke with XXXX in customer service who forwarded me to escalations. I was connected with XXXX XXXX in the escalations department who stated she would handle it and again asked me to forward a voided check which I did. She sent an email to me on XX/XX/XXXX stating, : Good afternoon, I apologize for the delay, I did submit the request for the refund again, today. 
It should be in your bank account in XXXX days. 
Please email me around the XXXX if it is not. 
I apologize again for the delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX I followed up with her via email on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all well after the 10 days she promised the XXXX would be returned. 
I then reached out again to Mr. Cooper on XX/XX/XXXX and asked again for escalations. 
I got XXXX XXXX who again stated she would be my single point of contact. I called her back on the XXXX of XXXX, XXXX and have had not response.
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MO)

On XX/XX/2022 my bank sent an electronic transfer to Comenity Bank for my XXXX XXXX in the amount of {$1100.00}. The payment was never applied to my balance. I have filed a missing payment claim and also proved Comenity with the electronic transaction information including the trace and batch numbers. As of today it still has not been applied. Getting a hold of customer service is a joke and no one can give me an update. Messages sent through the on line message center are taking 4-5 days for a response. I am being told it can take 90 days for it to be corrected which is an absolute joke when Ive provided all of the info to track the transaction.
Consumer complaint received 2023-04-26
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 — Problem with personal statement of dispute
Company: The Receivable Management Services LLC (TX)

On XX/XX/23 the company responded with a false validation by sending a final bill after it was sold. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

In XX/XX/year> I received notice of a late payment from XXXX XXXX XXXX XXXX being posted to my account. Paid a day late due to me being out of the country.

In accordance with the fair reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 it states, I have a right to privacy. Under 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Also, under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLIANT CREDIT UNION (GA)

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove! 

Alliant Credit Union did not respond properly to the Affidavit that I sent, I also asked Alliant Credit Union to validate the alledged debt pursuant to XXXX XXXX XXXX. 

Alliant Credit Has not responded to the multiple requests and Now I am requesting remedy Pursuant to 15 USC 1640
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint myself to address the imprecision on my Credit Report. I am unaware that my courthouse has the ability or manpower to call Transunion and provide them with information for each consumers civil claims or judgments. If they did, I can guarantee you the unemployment rate in the nation would be eradicated with all the positions they would be filling. So please, provide me with the name and number of the an actual third party that provided you with the details for the following : XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2018 Reference # : XXXX
Consumer complaint received 2022-09-17
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. (VA)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agancy can not furnish a account without my written instructions. 
This account was removed from XXXX and not Experian. Would like a reinvestagation into this account. 
As of now XXXX and XXXX doesn't show this account list on credit report. Making this account inaccurate And should be removed.
Consumer complaint received 2023-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

XXXX XXXX says I opened some account for XXXX dollars on XX/XX/22. Ive XXXX XXXX XXXX for 10 years I never opened any account with XXXX. Im confused as to where this is coming from and I disputed the collection. But it came back the infor was accurate which is 100 % false so I would like this looked into further because I am totally getting scammed on whatever this collection could be considering {$6100.00} dollars for any mobile or any cable is just absurd and definitely was never agreed soon by me. I would like to see what copy or contract they are claiming I signed stating or agreeing to this.