davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

I opened an XXXX  XXXX XXXX XXXX through Barclays in XX/XX/XXXX ( approved on XX/XX/XXXX ). I made some intitial purchases and logged into the online account management system. A week or 2 later, I attempted to set up and schedule my first payment. It asked numerous questions, I assume to confirm my identity, but I was unable to recall all the cars I've owned in the last XXXX yrs apparently, and it locked me out of my online account. I called the number it showed and was placed on hold for over 30 min. I called a different day/time, same thing. I did this multiple times, waiting over 3 hrs cumulatively on hold. I finally called different numbers and pressed 0 a lot, and was able to reach someone, they said they were unable to help me. I said I simply wanted to make my payment, they stated they could not process that, and I'd have to wait on hold for the online security department. They placed me on hold for over 30 min. Since then, I have tried calling multiple times, all to no avail. They can't have someone call me back. There is no way to email. So, I've sent a letter, by regular USPS to their complaint department. 
I don't know what else to do. I typically pay my balances in full each month and just want to pay my bill. It is now past due, and I'm sure they are charging fees and interest. 
I was able to reach someone today and she said the same thing. They can't help me or process my payment, she said she couldn't even closed my account when I asked for that today! She placed me on hold again for the security department - I waited over 30 min again. I'm a XXXX  and have kids, I don't have time for this. I just want to pay my bill and get into the account moving forward or close it and no one there will help me.
Consumer complaint received 2021-09-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services Association (TX)

Had a debt collector contact me via mail on XX/XX/2021 stating that I owed < {$20.00} debt to XXXX XXXX XXXX XXXX ( XXXX  ). On XX/XX/2021 I called XXXX to find out why I was turned over to a debt collection agency when I have never received an invoice for the said amount, and have never been inside this building for services. XXXX said that since I went to the ER Now and had xrays performed, this is for the xrays. Even though I had already paid the ER Now invoice for xrays? I asked if I could pay the debt, and XXXX  informed me that there was nothing they could do about the debt. They said that they sent out 2 invoices, yet I have never received one.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear TransUnion services : Please correct the following from File No. XXXX XXXX ) Delete the new file you have created under file number : XXXX with INCORRECT name the agent preparing this file created. My name is NOT XXXX XXXX. This worries me. 
2 ) PLEASE correct the address on XXXX XXXX showing XXXX XXXX XXXX. I have ONLY rented one apartment on XXXX XXXX it is ONLY XXXX XXXX XXXX. 
3 ) Please delete also another name recently agent has created most likely AGAIN typo, attaching my middle name to my last name together .... 
4 ) Please delete two telephone numbers I never had appearing in my credit file as follows : A ) XXXX B ) XXXX I never had phone numbers with these area codes. 

Thank you.
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act 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 Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (PR)

I have submitted a claim to the three credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Duplicate ) XXXX XXXX XXXX XXXX XXXX ( Duplicate ) XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  these Creditors have violated my rights. 15 U.S Code 1681 Section 602 A. States I have the right to privacy.15 U.S Code 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 2019-10-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Enterprises, LLC (NM)

I have discussed this case with a lawyer and found that under federal law, the original creditor, XXXX XXXX XXXX XXXX, can not report a late payment to the credit bureaus until it is 31 days past due. I sent evidence that my first statement date from my XXXX hospital stay was XX/XX/19. It showed that my payment plan required {$50.00} to be paid by XX/XX/19, and I showed evidence that the payment was paid on time by credit card. My second statement date was XX/XX/19, and stated that my account was past due. At that point, the 30 days starts. They sent my account to Revenue Enterprises on XX/XX/19, only 13 days after it was reported to be past due, even though I showed evidence that I made the payment required on my payment plan within 10 days of the statement date. I then received a bill from Revenue Enterprises dated XX/XX/19, only 15 days after my account was determined past due, which is only 1/2 of the time required by federal law.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC. (NY)

I have been trying to log into my AXOS  checking account to pay my mortgage since Saturday, XXXX/XXXX/2022. I recieved a message that they are performing scheduled system maintenance. I tried again unsuccessfully on Sunday, XXXX/XXXX/2022, so then I called the bank where I was told their servers were down but the expect the problem to be resolved within a couple of hours. I tried again today, Monday XXXX 2022, and I recieved the same message that they are performing scheduled systems maintenance. I took a screenshot in case you need to see. I called the bank and was told there is no problem, my account has been frozen until further review, which could take 24 to 48 hours. I asked to speak to someone with more information, perhaps her boss, and was told she can not transfer phone calls. Having received three different responses, I don't know what to believe, and I have NEVER been told I can not be transfered to someone that might be able to clarify the problem.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc. (IL)

American First Finance is reporting inaccurate information regarding my account. On XX/XX/XXXX, they reported me as being 30 days late w/a loan balance of XXXX and a XXXX month term at $ XXXX. This has dropped my score XXXX points. My loan payments are $ XXXX, my account is current and my payments are $ XXXX. Its almost like they input someone elses information on my account in error. I have contacted them on XX/XX/XXXX and XX/XX/XXXX and the representative advised me that my issue will be routed to their escalation team and call me back. They apologized for the error and says, their credit team would fix this problem. This account was reported to XXXX.
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (GA)

In accordance with the Fair credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  account # XXXX
Consumer complaint received 2019-10-25
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL INC (VA)

In XX/XX/2019, I contacted Coast Professional , Inc. and asked to verify the completion date for Loan Rehabilitation Program. Cost Representative stated, " Your loan will be considered rehabilitated in XX/XX/2019 ( i.e., ninth on time payment ) ''. However, I was told to resubmit financial data to re-certify payment amount. Coast Professional received my Package on XXXX XX/XX/2019 and increased my payment from XXXX to XXXX per month. I was not given the opportunity to appeal this process nor was I given an exact date, which the new amount would be in effect. I continued paying my loan at the XXXX amount, until payment data was updated via Department of Education website ( www.myeddebt.ed.gov ).  This occurred in XX/XX/2019, albeit Coast Professional , Inc. did not notify me in writing of required payment increase due date. In 2019 alone, I have successfully submitted ten on time payments and forfeited XXXX of Tax refunds via Treasury Offset Program. Despite this stellar accomplishment, coast Professional, Inc. Representatives refuses to transfer my Loan out of Default status. Coast Professional , Inc. is a  Government Contractor and collects a monthly fee for every loan in their portfolio. Hence, it is profitable for Coast to maintain a grip on XXXX XXXX student loan debt.
Consumer complaint received 2022-01-05
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. (AR)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-23
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: CITIBANK, N.A. (CA)

Citi bank continues to let charges go through for a merchant that has already been blocked on a previous dispute. They made me close my account due to the original complaint and sent out a new card. The same merchant was then allowed to charge my new account for some reason. I had to close the account again, and get a new card again. On XX/XX/18 the same merchant was allowed to charge my account again! This is the third card this merchant is allowed to continue charging on my account and Citi continue to provide them with my information. How is this legal for a credit card company to give my new information to a merchant without my consent. Calling Citi card for any assistance is nightmare. It takes multiple transfers from rep to rep because the people answering phones refuse to listen or do any critical thinking, and instead follow a flow chart and script. Today I spent XXXX minutes on the phone only to get nowhere because of the same problem that the representatives don't listen.
Consumer complaint received 2022-02-21
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 (OR)

I had my car detailed at this place.. My aunt is a diabetic and she left a diabetic syringe and a pocket years ago when we went on a road trip. When I went to pick up my car they were screaming and yelling in my face calling me a drug addict. They refuse to give me my car and the male owner picked me up under the arms and physically threw me out of his office. They locked the door and called the police. I was distraught and the police helped me pay them to get my car back but they overcharged me By {$75.00} saying it was because they found a syringe. I had just had back XXXX that day and I am still suffering in pain from his physical abuse. They also posted my car on XXXX on their business site exploiting my mental illness by telling everybody I was screaming and crying and throwing a fit. They posted these words along with a picture of my car. I am XXXX because of my mental health and they have wreaked havoc on it. I called my bank And reported what happened and they told me I was a victim of fraud and they gave me my money back.
Consumer complaint received 2020-11-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Hi and happy XXXX. For the last 4-6 months I've disputed this account here with Experian ( XXXX XXXX # XXXX ), over fax, uploaded dispute online, mailed dispute, and even talked to a department over the phone to file a dispute. Every time I check the status of the dispute and it never shows on the " Comments section '' if the account was marked " previously disputed or even if it's been " resolved or even reported by the subscriber? ". The account status was never updated to reflect that the investigation was done. Please check my record and you will see that I contacted them each time and disputed specific reasons and it continues to report incomplete, inaccurate, and unverifiable information. AGAIN, I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-07-21
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. (FL)

It has been drawn out into the open 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 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 Balance XXXX {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-26
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. (LA)

On XX/XX/2020 I've sent dispute for all unknown and inaccurate accounts on my credit report. But there's still no response over 30 days. I was a victim of XXXX  data breach. I demand to delete all unknown and inaccurate account ASAP or I will file a litigation.
Consumer complaint received 2022-06-11
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: DISCOVER BANK (CO)

( THIS IS THE SECOND TIME IM WRITING THIS, BECAUSE YOUR WEBSITE ERASED MY TEXT WHEN I TRIED TO SUBMIT IT THE FIRST TIME ) False and misleading messaging in an email from Discover Card. 

Discover card sent me an email stating they had " Received my payment! '' I owe Discover card {$63.00} this month. 

I have not had more than {$30.00} in my checking account this month. 
Therefore it is mathematically impossible that they have " received my payment ''. 

I contacted my bank, XXXX, and inquired if payment had been made. They informed me there were no processed or pending transactions for {$63.00} to Discover. I contacted Discover, spoke with no less than 3 support agents, and was informed that they had received a check with my name and checking account debit information on it. XXXX informed me that they had not issued such a check. I suspect this was a pre-produced check authorized as part of a paydown plan, which I vaguely recall having agreed to. 

Regardless, a check / authorized debit attempt is not a " payment ''. It is a payment attempt. Payment is not made until it has been processed by my bank and debited from my account. Discover cards email messaging should reflect this accurately, and not offer misleading information that leads me to believe I have made payment and don't need to worry at the moment about ensuring I have sufficient funds.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (FL)

I just received an alert on my consumer report that Bridgecrest has increased my balance by {$100.00} when I have made on time payments to them. If they alleged that they received any late payments it was due to an EFT error, or some type of delay which was not due to me. I am convinced that this was some type of malice directly to me as I almost done with payment. I explained to them that this error occurred XX/XX/2018, and they still created an adverse affect on my consumer report, which indicates that I was 30 day late, which I was not. I am currently up to date with my payments. Bridgecrest is violating my FDCPA rights by not reporting accurate data, and relying on a faulty system which is not accurate. I am demanding that Bridgecrest remove this increase on both my consumer report and the co-buyer 's consumer report and remove the 30-day late payment that they furnished on XX/XX/2018, as they have caused my consumer report to not be fair nor equitable to me as a consumer.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX a XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Other Than Personal Finance Companies XXXX XXXX XXXX : XXXX XXXX, XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive + XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX Automotive + XXXX XXXX  Inquiry : XXXX XXXX, XXXX Banks XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Banks XXXX XXXX : XXXX. XXXX, XXXX Banks + XXXX XXXX : XXXX. XXXX, XXXX Banks + XXXX XXXX XXXX : XXXX. XXXX, XXXX Banks XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies
Consumer complaint received 2020-11-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Hi XXXX XXXX XXXX & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2022-04-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX Reference # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions