davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (IL)

Progress card I had all the balance of {$130.00} that I paid months ago. I keep telling them that I paid it off. I showed them in my bank statement that I paid it off to their third-party company and they wont Update my Credit file that I paid off my debt is still show balance not paid and I paid it off. I have proof that I paid it off with my bank statement months ago. I feel that this is being done to me because I am a XXXX XXXX every time I bring my credit up theres something to make my credit go back down. I have been trying to fix my credit so I can buy property and these people is not, reporting the right information on my credit report I would like my credit report, update and accurate information
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I had new checking account information that needed to be put on my XXXX XXXX XXXX credit card and when I attempted to remove it, the system would not allow me to so I was forced to UPDATE the checking account. I updated the information and then made a payment. Unfortunately, the Comenity system did not update the information, and the payment was sent to the old account. When I found out about this, I called customer service and four different reps attempted to help me but no one could seem to figure out what had happened and no one seemed to know how to remove the old account. I finally spoke with a rep who was able to show me how to remove the old account, however, I had already been charged a XXXX returned item fee because the system sent it to my old account. I have tried to resolve this with no less than 10 people and no one seems to be able to help. I have now also been charged XXXX in interest on the returned item fee.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

My autopay was turned off for my Capital One credit cards without my authorization. This caused my credit score to drop XXXX points. My XXXX score was XXXX and I always ensure I pay my cards off diligently and have auto pay set up. The payment was only for {$36.00}, including the late fees. I was never notified by email by Capital One that my payments were late or that automatic payments were turned off. I have paid Capital One the account balance as well as the late fees that I should not have received, and have re-set up autopay.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (ID)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB - CARD SERVICE XXXX
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Credit card company closed the account without my knowledge. 
Called and received no specific reason as to why it was closed. 
Have no ability to pay the credit card bill online and ATMs and Capital One branches. 
The company has conducted derogatory actions on the account before.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

This is complaint follow up with existing Complaint Number of my Existing Complaint XXXX XXXXhase Executive Office provide me with the following information : - They credit to my account a total of {$100.00} as a courtesy - Because I am a VALUE CUSTOMER they credited to me an additional {$33.00} in fees and interest But still my last bill for the XXXX shows me that I still owe him a late fee and interest in the amount of XXXX dollars They still collect from me rest of late fee and interest for all this month what they didn't WONT to give me my money back Why should I pay for someone else 's incompetence - over the past 8 months, bank employees have not been able to solve an elementary problem with all supporting documents on my part Please refer to all my credit card statement attached -m let them calculate everything
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have 19 hard inquiries on Experian and 11 on XXXX. I have 5 that are currently active and the rest arent and been denied approval
Consumer complaint received 2022-03-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (FL)

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.

1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (TX)

XX/XX/year> the amount of XXXX by XXXX XXXX and was filed for dispute and it fell under FCRA requirements and they account was closed as well as Hunter Warfield inc, and XXXX automated collection but they are still reporting on my credit report. I have reached out to XXXX  and XXXX  to get the matter resolved as well but they have done nothing.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2021-04-05
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX i went to XXXX. XXXX in XXXX XXXX for service of my XXXX XXXX XXXX XXXX  originally leased from XXXX. XXXX. 
Brake  and Oil service is performed same day and p aid {$500.00} as agreed. 
After returning home to XXXX XXXX ( 120 miles each way!!! ) Warning Light come up ' INCORRECT OIL LEVEL-STOP THE VEHICLE " I called XXXX immediately to report problem. I was inform that is probably computer glitch and is going to go away. It DID NOT. Problem persisted and after calling XXXX. XXXX NUMEROUS times with No luck and leaving messages to service Manager XXXX XXXX with few apologetic text messages back I called XXXX XXXX in XXXX XXXX and, after I was advised Not XXXXo drive the car, I book first available appointment on XX/XX/XXXX. 
Overfill of Oil was diagnosed and Oil service performed by XXXX XXXX Again. 
Since Covid -19 situation and luck of technician in XXXX XXXX of SD my car was in a service for 15 days!!! 
CAR THAT I'M PAYING {$1600.00} A MONTH LEASE to Very same XXXX. XXXX. 

After that I contacted XXXX. XXXX more than XXXX times via phone, text and Email but even after XXXX XXXX from XXXX XXXX XXXX XXXX contacted them and CONFIRM that Oil service performed XX/XX/XXXX by XXXX. XXXX was INCORRECT and need to be performed Again - XXXX DID NOT OFFER ANY RESOLUTION. 
After Disputing Portion of the Charges related with Oil change ( {$250.00} ) with Chase, CHASE Bank sided with XXXX. XXXX and declined my dispute even thou I PROVIDE MANY PROOFS and WITNESS that service was NOT provided.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Adjusters, LLC (CA)

Request NCA to Verify this accounts by disputes trough credit bureaus nothing was done on my favor besides NCA keeps resetting the Calendar/clock on my credit file Fail to verify by frivolous responding to my request to verify or deleted accounts from credit report NCA is holding down my credit report to the point that I was unable to buy a house because their refusal to stop their illegal collections practices just because they hide behind the credit bureaus I requested a copy of this accounts they just refused to Please Help Me CFPB youre my only hope
Consumer complaint received 2024-08-21
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: EQUIFAX, INC. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is failing to comply with FCRA Sections XXXX and is also in breach of Sections XXXX & XXXX for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX 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 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (WA)

The other bureaus have not reported this account as " Late '' but you have listed this account with late payment status. It is also a closed account that is being reported as an open account. Under section 1681 ( G ), please send me details of the procedures that were used to verify that this account is " correct '' and also send me the name and addresses of persons contacted per regulations found in the FCRA.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (SC)

Resurgent Capital Services/ LVNV Funding, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Subject : Cease and Desist Request under FDCPA XXXX XXXX and Deletion from Consumer Report I am writing to formally request that Resurgent/LVNV Funding, LLC cease and desist all communication with me regarding the alleged debt associated with the account, under the Fair Debt Collection Practices Act ( FDCPA ), Section XXXX. 

Under 15 U.S. Code 1692c, I am requesting that you no longer contact me through any medium, including by telephone, mail, or email, regarding this debt. This includes communications through my consumer report, which falls under the definition of a medium for communication as outlined in this statute. 

Furthermore, I am disputing the validity of the debt associated with this account and demand that you immediately cease any further reporting of this debt to consumer reporting agencies. I also request that you remove any derogatory information associated with this account from all consumer reporting agencies, as it is causing harm to my credit standing. The continued reporting of this debt constitutes an unlawful communication under Section XXXX and violates my rights under the FDCPA. 

Failure to comply with this cease and desist request will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action. 

Please confirm in writing that you have received and will comply with this request within the next XXXX  days. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

m reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Recently while reviewing my credit report, I notice that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here is a list of inquiries that I found. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX. 
The hard inquiries that don't have permissible purpose according to the four-credit reporting act. Anything furnaced on my consumer credit report must have permissible purpose according to 15 USC1681B.

Please remove these fraudulent inquiries from my credit consumer report. Delete this hard inquiry because it doesn't have permissible purpose according to 15USC1681B.
Consumer complaint received 2024-09-12
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: Bread Financial Holdings, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear XXXX, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. 

It has come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required

for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically XXXX of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for XXXX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that XXXX immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section XXXX681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes , including 570.223 regarding identity theft. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that XXXX will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.