davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (FL)

In the month of XX/XX/XXXX, I received a letter from XXXX XXXX that the account was being transferred ( assigned ) to XXXX XXXX XXXX for collections. Reflected on my Credit Report this account was shown to be charged off. This same month I received a letter from XXXX XXXX XXXX stating they are a debt collector attempting to collect a debt. On this letter bound on legal paper in the form of a contract had a remittance coupon on the bottom requesting payment. XXXX XXXX XXXX XXXX # XXXX principal address is in XXXX, their business is purchasing and collecting of consumer debts. I responded to their letter with a notice of dispute requesting validation and verification of this purported debt. The first letter was sent the XXXX of XX/XX/XXXX, and the second letter on the XXXX of XX/XX/XXXX. I Also observed that my credit report did not reflect dispute status. I received a letter which stated, As requested, we are sending copies of statements and other relevant documentation to serve as a validation of debt. This letter lacked verification and did not provide information in full of the original creditor. Provided to me was a thick packet of statements with no relevancy to what was requested. On XXXX XX/XX/XXXX my father-in-law was served a summons. Unable to afford counsel I had to deal with this matter which caused further instability to my household. I began to further research and found that this law-firm was a debt-buyer and that they were assigned this debt. An assignment is a transfer of all interests and rights to the thing assigned. These terms are declared on the letters sent by XXXX XXXX. Unfortunately, in the XXXX of XXXX  law firms engaging in debt collection do not need a license to collect on consumer debts and can move swiftly to file suit on consumers who have no knowledge of this system. In the XXXX of XXXX, XXXX Firms ( debt XXXX ) are not regulated. This would be my XXXX time encountering an abusive, deceptive and unfair law firm ( debt collector ). XXXX law firm went straight to litigations, and did not send a notice that they were attempting to collect, depriving my right to dispute. A complaint was made on that law firm but did not go anywhere with XXXX  and on this platform. A complaint was filed through XXXX  Attorney XXXX office which advised to make a complaint to the XXXX  XXXX XXXX, also yielding negative results. Both cases are still pending.
Consumer complaint received 2024-09-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (NY)

I was first contacted by Sunrise Credit services on XX/XX/year> by phone about a debt to XXXX XXXX XXXX {$350.00}. In fear I told them I would pay, we agreed to make a payment plan but I didnt make the first payment. Today, XX/XX/XXXX I got a notification from the credit bureau XXXX there was a change to my report. I noticed it was a collection from sunrise, my father told me before I pay it I should receive a letter of debt validation and they have XXXX days to send it to me from initial contact.
Consumer complaint received 2024-09-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : JEFFERSON CAPITAL SYSTEMS LLC & Account Number : XXXX Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Hello, My name is XXXX XXXX XXXX, and I am a creditor of the bankrupt XXXXXXXX XXXX. I opened my Coinbase account in XX/XX/year> and completed identity verification on the same day. However, my ID was not immediately approved, and I remained in pending status for months, only getting verified in XX/XX/year>. During this time, the price of Bitcoin dropped significantly, and I suffered a loss of approximately {$70.00} due to the delay. 

Had my account been verified in XXXX, I would have been able to withdraw my funds when the price of Bitcoin was around {$68000.00}. However, my account was approved in XXXX, at which point the price of Bitcoin had dropped to {$57000.00}. I would like to know the reason for this delay and inquire whether my financial losses can be compensated. 

Please review this situation and kindly provide a response. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Ct XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Ot also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1668B : A creditor may not treat a payment on a credit xard account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-10-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AMERISAVE MORTGAGE CORPORATION (IL)

Amerisave Mortgage company is purchasing trigger leads and a " XXXX '' ( not sure if actual XXXX 's name ) has been soliciting XXXX clients and falsely claiming to be affiliated with me and my company, XXXX XXXX XXXX. They are collecting $ XXXX {$50.00} for the credit report and I have had XXXX customers recently pay this fee. This fraud needs to be reported and stopped! Most recent customer forwarded me this phone number they called minutes after I pulled credit : XXXX
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (NY)

The application process was arbitrarily unclear, needlessly difficult and I was asked to submit redundant information on several occasions as a result of poor communications and inefficient quality controls, throughout the entire application process, on the part of the credit issuing bank. I was given incorrect, inaccurate and incomplete information regarding the status of my limited liability company in the state where the business is incorporated, where I was attempting to open this line of credit, causing still further delays. Throughout the process I was informed that more than XXXX application was submitted for review, which was inaccurate, but caused considerable difficulties for the representatives of the bank trying to process the correct application ( on one respective call I was told contradictory information about whether a correction could be made on the existing application or an entire new application would need to be created and submitted. ) Throughout the process of opening the line of credit account the bank and its representatives apparently initiated a process of, what they termed colloquially a hard credit pull on at least three separate occasions, that Im aware of. Ive been reliably informed that the very act of performing a so-called hard credit pull, just once, may have a negative effect on ones credit worthiness score, let alone three or more times. So, the very same entity making a decision on my creditworthiness ( credit score ) was potentially, negatively affecting said credit score over a several weeks period as a result of their own errors, omissions and incompetence. Based on that very same score a computer based system and/ or a banker makes a decision what annualized percentage rate ( APR ) I should be given. This rate was allegedly, needlessly set higher, then it would have been otherwise, had the credit issuer maintaned the proper systems and or properly trained staff in place to process the application correctly the first time it was submitted.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On the XX/XX/year> made a payment using my Wells Fargo business account through XXXX, recipient did not received money transfer ( {$500.00} ). Wells Fargo stated it was an error occurred. Did not return my money back to the account.
Consumer complaint received 2024-10-03
Product: Credit 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: Bread Financial Holdings, Inc. (CT)

A company was conducting business fraudulently and I submitted a fraud claim on the card for the total amount of {$14000.00} which occurred between the months of XX/XX/year> - XX/XX/year>. These are the dates and amounts of the charges on my card XX/XX/year> - {$690.00} ; XX/XX/year> - {$2100.00} ; XX/XX/year> - {$2100.00} ; XX/XX/year> - {$240.00} ; XX/XX/year> - {$240.00} ; XX/XX/year> - {$2100.00} ; XX/XX/year> - XXXX ; XX/XX/year> - {$1400.00} ; XX/XX/year> - {$590.00} ; XX/XX/year> - $ XXXXWhen looking at my credit card statement you can see that the charges were made by 2 different merchant accounts that are also fraudulent and I did not authorize those accounts to charge my card. I am not satisfied with your responses that you gave me denying my original claims as you are not taking into consideration that this was an act of fraud and I am the victim.
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION (ME)

Since XX/XX/year>, a car I used to own was totalled in an accident that was not deemed my fault. Credit Acceptance has continued to report this car as functional and therefore has negatively impacted my credit because they still want to predatorily take money from me even though I have not had access to the car/not functional. The total amount of the original loan is {$13000.00}. However they said they have sold the car at auction and I am still responsible for around {$5000.00}. According to the XXXX XXXX XXXX XXXX, Credit Acceptance has been sued regarding predatory regulations of car loans on their customers. I would like this loan removed from my credit as it is highly negatively affecting my ability to purchase a new car.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Equifax is knowing allowing XXXX XXXX  to report an account TWICE on my credit report. They were made aware that XXXX XXXX sold the fraudulent account to XXXX and now they are allowing the SAME EXACT account to be listed on my credit report twice which is a violation of the fair credit reporting act. The account ending in XXXX is on my Equifax credit report TWICE and Equifax needs to remove XXXX XXXX XXXX  from the report as that is a VIOLATION to report the same account twice on my credit report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$250.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2020-12-24
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. (PA)

This is my third attempt disputing with XXXX, Transunion and XXXX. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (CA)

I scheduled five EFTs for XX/XX/year> and XX/XX/year> which were payments for Federal Estimated Taxes, State Estimated Taxes, and for three credit card. ALL of these were time sensitive payments which, if late, could result in late payment charges. Though my account at American Express Bank had been in force for 44 days, the sudden large withdrawal apparently created suspicion, on their part, of some kind of fraud- though I'm not sure how paying the IRS could ever be a fraudulent transaction. But, without actually making contact with me AT ALL they reversed four of the five EFT transactions. 

They say they sent an email but NO email from AMEX was received ( and it should be mentioned there is an option for a read receipt that can be used ). They also say they tried to call me but used my cell phone number and left a message EVEN AFTER hearing the instructions on the greeting that NO MESSAGES are to be left there and they should call my home number- which is provided. They didn't do that either. I only found out of the reversals on Monday night ( XX/XX/year> ) and was finally called on my land line by XXXX on Tuesday morning. She explained that four ETFs I made in good faith were reversed by American Express putting me at risk with the IRA and California Taxes for penalty payments and also at risk with the credit card companies. When I asked about these penalties I was warned AMEX would not reimburse me for these expenses even though I believe they are responsible. I also believe that AMEX is in violation of at least two banking laws as a result of its behavior in this process.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection 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 XXXXXX/XX/year>
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (SC)

hard inquires Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (MN)

I applied for the XXXX XXXX and also tried to do XXXX for my loans since I worked at a service job for over 10 years my original loan servicer XXXX has failed to correct this issue and give me the resources to get my loans forgiven I attempted calling and reaching out to this company now my loans were transferred to Aidvantage in XXXX I have taken the legal appropriate steps to give them the corrected information and this company has failed to to help me.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX XXXX  ceases any further unauthorized access to my credit report. XXXX XXXX XXXX XXXX  compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. XXXX failure to resolve this issue may result in further legal action, as I prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I started an inquiry to the company XXXX XXXX as I am interested in the process for purchasing my auto lease. I entered my contact information but did not select the button to authorize a credit inquiry and closed the site as I was not ready to move forward with a loan at this time. Shortly after I received multiple emails from XXXX, XXXX and XXXX XXXX that there had been new inquiries on my account. I was surprised as I had not authorized anything. I then got a text from XXXX XXXX, who said they were having trouble pulling my credit as it is frozen. I froze it deliberately because of recent record breeches and to protect my identity. The company somehow went around the freeze and pulled my credit report on behalf of four different lenders, resulting in four new credit inquiries. I texted the associate and informed them I never authorized a credit inquiry nor did I complete a credit application. They informed me it wasnt a big deal and it should only impact my score by 3-4 points, but they would have someone higher up look into it. I informed to them they need to report this error to the credit bureaus, and now I have not heard anything back. This all occurred on XXXX XXXX XXXX