davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

Account was noted on my account as a chapter XXXX bankruptcy and when I requested XXXX XXXX to fix this issue with the credit bureaus they stated that they informed all three credit bureaus that the account is closed, Per XXXX and XXXX and Experian the account is still noted with an error with a remark and comment saying account was included in bankruptcy when it was not. XXXX refuse to send me a letter stating that the account was reported in error and that it is closed so that I can forward the letter to the credit bureaus for them to report the information correctly on my credit report. this is for account to which I had a XXXX credit card that was closed by XXXX on XX/XX/2017
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. ()

I apply for my Experian credit report annually via XXXX. For the past 3 years I have been unable to access my Experian Credit Report through XXXX. Per Experian, it is an XXXX website problem. As there is no telephone number that allows me to speak to a person, I must e-mail XXXX, which I have done numerous times over the past 3 years. To date ( XX/XX/XXXX/2017 ) no response. I suppose that I could request a credit report by phone through Experian, however, that seem to defeat the purpose of XXXX. Would you be so kind as to assist with my proble. 

Thank you. 

XXXX XXXX
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NJ)

This is a new complaint following the first complaint ( # XXXX ), They did not provide the fact that I had many calls between them and myself while I was hospitalized fromXX/XX/XXXX- XX/XX/XXXX due to a major car accident, or that I had made " good faith payment '' on XX/XX/XXXX on both accounts which would stop the the collections calls, but how can collections called be stopped but a cancellation continue for late payment? The small micro amounts are the payments AE asked me to make to avoid further calls or actions- Also the enclosure submitted to you as a response to CFPB seems to contradict their statements in the letter addressed to myself, which I still have not recieved as of this date. 
None of the numbers, that were indicated in the Company 's response match up with the document provided in the response, - balances are not matching up and not documentations for the various payments and why requested by AE, its seems like like it was recently manufactured, since I have yet to received the response that was given to CFPB, even my company name is misspelled ( XXXX XXXX XXXX ) when it should be XXXX XXXX XXXX, I just feel looking at the documentation submitted by AE need to reviewed by an Independent Audit ; I also feel I was penalized for reporting this complaint and that this is not the first questionable practice by AE- they previous was order to provide restitution to it customers ( I believe it was in XXXX, which they were sued and lost about 80 millions ). I also feel they should not combine my Personal Green card with my Business Card availability since my Personal is under my SSN, and my Business is under my TIN which is also a LLC ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) .I never authorize a " personal guarantee '' was informed that I was personally responsible for my LLC finances, nor is it any listed that I am in my CMA or terms and agreement. I believe this is another questionable tactic which enables AE to make someone " personally responsible '' with in the Company which circumvents the XXXX XXXX Laws. They also indicated that they adjusted my spending due to my FICO score in XX/XX/XXXX, when it was its highest at XXXX or XXXX I believe- so again it does not make sense what they submitted.
Consumer complaint received 2018-01-03
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: Experian Information Solutions Inc. (WA)

I am trying to file a dispute with Experian. I am having a problem submitting a particular account for verification with Experian. 

The account is XXXX / XXXX XXXX for the state of Washington. They are reporting a late payment for XX/XX/XXXX. 

When I attempt to dispute the account online, the system is telling me that they wo n't dispute the item since it was verified as accurate in XXXX. I am disputing a late payment in XX/XX/XXXX. So Experian is saying I disputed a late payment in XXXX back in XXXX? How would I have known this payment was going to be late at the time? 

When I attempt to call Experian, the system says I can not talk to a person. The system tells me that I need to send my request in writing. I am paying {$29.00} a month for their credit monitoring service. I should have the ability to talk to somebody about my account. There is absolutely no reason why I should not be able to talk to a person at Experian about this. 

I attempted to contact another telephone number at Experian. Once I verify my identity, the IVR says it is transferring me, then I get two beeps and it hangs up on me. 

The dispute is simple. The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment was not late. I can supply documentation in the form of payment history to support this.
Consumer complaint received 2018-01-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Dominus Law and Recovery, LLC. (AL)

I have been contacted multiple times now by different debt collectors from XXXX XXXX XXXX. I do not know what XXXX XXXX XXXX is nor do I ever recall getting a loan. They threatened to have me arrested if I didnt pay the {$600.00} in 24 hours. They would not provide me with any information regarding where the loan originated or and documentation of any kind validating the debt. I have no problem paying me bills but if I cant be provided proof I owe anything, Im not going to give my card or bank information. They said they were from The XXXX XXXX XXXX in XXXX FL. I looked them up and it says nothing about debt collection.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

This late payment doesnt accurately represent my history of timely payments. Please remove it and update my account as soon as possible. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2018-01-03
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC (AZ)

Per CFPB - The proposed judgment against the XXXX XXXX XXXX XXXX XXXX has been filed with the U.S. District Court for the District of Delaware, and it is effective only if approved by the presiding judge. The consent order is effective immediately. 

Under the Dodd-Frank Act, the Bureau has the authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the proposed final judgment and consent order, the Bureau is requiring the companies to : Stop filing collections lawsuits on debt that can no longer legally be sued over : Statutes of limitation limit the amount of time an individual or company can go after someone in court for a debt that is allegedly owed. Under the terms of the proposed final judgment and the consent order, the companies are prohibited from tying consumers up in litigation after the expiration of the applicable statute of limitations. 
Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. 

XXXX XXXX XXXX XXXX XXXX continues to pursue and collect debt by filing a civil lawsuit with the Superior court of the state of Arizona - Through the XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Per court documents, all collection attempts should ceases until a 100 % audit of all cases are completed. 

I am currently continue to be served papers for court proceedings for case No. XXXX
Consumer complaint received 2019-08-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (KY)

Upon reviewing all the credit reporting agencies files on myself, I discovered two major errors and I have already filed a complaint with your organization about one of them which is reporting that I owe a student loan. This one is about an auto loan that was paid and discharged in my Chapter XXXX case in XXXX. 
On or about XX/XX/XXXX, almost four years after the Chapter XXXX plan was completed and discharged, the XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) reported that I still owed {$320.00} on said auto loan that was secured in a Chapter XXXX plan filed in XX/XX/XXXX and successfully completed and discharged in/about XX/XX/XXXX. I went in person to the bank and was told that would be handled by the Asset Recovery department and they did not meet with account holders in person. I was given the name XXXX XXXX and a phone number ( XXXX XXXX XXXX to call and discuss the matter with. I called him from home & left a message. He called me back the next day and I explained that the auto loan was in fact in the Chapter XXXX plan that was completed and that the charge off of {$320.00} was not accurate nor should it be on my report. He said he " fixed '' it but it would should show a charge off and hung up. I am filing this complaint in response to XXXX XXXX XXXX XXXXXXXX XXXX XXXX putting inaccurate financial information on my credit report and seek to hold them liable for damages to my credit score and file and for them to remove any and all financial information that was paid or handled through the Chapter XXXX completed and discharged plan. 
Thank you for your assistance in this matter.
Consumer complaint received 2024-08-13
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. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Payments that were marked late by your company for the following accounts : XXXX XXXXXXXX XXXX Account # XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX
Consumer complaint received 2021-07-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (NJ)

Wells fargo is currently advertising to apply for a personal line of credit/cash loan. 
I applied directly on the Wells Fargo website. 
I contacted Wells Fargo by telephone for the application update and was informed that Wells Fargo no longer offers the service. I asked them if a credit check was performed and it was. I then asked why was there no disclaimer nor any advisory on the website that the service was no longer offered and the representative had no answer. I informed the representative I would not have applied for the service had I known it was no longer offered. I was never informed by email nor telephone that there was any termination of the service offered. It is still on the website and it is deceiving, inaccurate and needs to be updated. Again I would not have applied nor had a credit score inquiry performed if it wasn't for the misleading advertisement and application process by Wells Fargo
Consumer complaint received 2019-08-26
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: Experian Information Solutions Inc. (CA)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. l went home to check my credit report and found some items that are not mine listed as inquiries. These items need to be deleted from my credit 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
Consumer complaint received 2018-01-03
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Navient Solutions, LLC. (CO)

Took private loans to cover tuition costs after federal aid was not available, on or about XX/XX/XXXX. The private loans I understand were owned by " XXXX XXXX '' with unreasonable high interest rates such as 12.500 % on a {$15000.00} and 14.375 % on a {$15000.00} principle. Navient, formally XXXX XXXX, has refused to provide any banking institution information that I could use to help re-finance any of the high interest student loans. I called Navient today, XX/XX/XXXX to inquire again about possible refinance options to lower the interest rates but told that I would need to contact a 3rd party and again refused to provide information on which bank ( s ) own my student loans.
Consumer complaint received 2018-01-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BRite Financial Services, Inc. (MI)

Approximately 21 months ago, I purchased a new-used vehicle from Car-Rite in XXXX, Michigan. First, consumers should be protected from dealerships who sell lemon cars and cheat people out of their monies by handling them as a low life in setting them up with a company called Brite Financial.

When I first purchased the vehicle, I was set up for payments weekly, when I get paid bi-weekly. I was told by the dealership that all I had to do is call Brite Financial " Brite '' and they will change the payments. I did so, to no avail. When I called the company I was given different and incorrect information. I had auto pay that was to take money out of my account on the pay period. Because they were taking the monies out on the wrong date, it was causing the funds to not be available. I then called to cancel auto pay to pay on my own. I was then told that I was {$800.00} past due. Which I knew nothing about, because I had made arrangements and changed my payment to bi-weekly. Brite disabled my vehicle. I brought the account current and continued to make payments timely. I have never missed a payment for almost two years. My payment onXX/XX/XXXX I was unable to make my full XXXX payment and paid XXXX with the intent to make the payment the following week. I went to go to work XX/XX/XXXX and had XXXX towing to come and jump start the vehicle. I did not think it was the battery because I had to purchase a new battery in XX/XX/XXXX. When I contacted Brite, they never attempted to contact me but indicated because I did not pay the full amount they disabled the vehicle for the second time. Not only had I to put thousands of dollars into a vehicle that only had 30 thousand miles, the vehicle has had engine problems, brakes, rotars, tires and shocks. I was told because my vehicle was disabled previously that I am in their system, if I do n't make one or all the payment, the vehicle automatically is disabled. Brite discriminates against its customers in that certain people and customers vehicles are disabled. I was told they have no grace period and the vehicles are automatically disabled even if they make timely payments, or partial payments. I would like a thorough investigation that this a their procedures to all customers who have missed or been late with a payment. Even after making a payment, the customer service representative told me that I had to make arrangements for the next payment because my account is automatically flagged. I asked what would make them believe that I would not make the payment and was told because my car is flagged to be disabled when a payment is not fully paid or partially paid. My payment was XXXX and I paid XXXX on the due date and two days later, they disabled my vehicle. I was unable to go to work and missed 4 hours of work.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (CA)

( LEXIS NEXIS ) THIS IS MY 3RD ATTEMPT CONTACTING YOU.YOUR REPORTING INFORMATION THAT IS HARMING MY PERSONAL LIFE WHICH IS INVADING MY PRIVACY.YOU AND YOUR CORPORATION NEVER SENT ME A LETTER TO LET ME KNOW NOR HAVE I ( XXXX XXXX ) GAVE YOU CONSENT TO SHARE MY INFORMATION WHICH IS A VIOLATION 15 U.S. Code 6802.ALSO IT IS A VIOLATION OF 15 U.S. Code 1681 YOUR COMPANY DIDNT exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 USC 1681b a consumer reporting agency may furnish a consumer report under the following circumstances and no other To a person which it has reason to believe or In accordance with the written instructions of the consumer to whom it relates. You have 30days from when you received this letter to respond back if you do not respond I will be force to take actions for the said violations.
Consumer complaint received 2019-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (CA)

I was on my lunch break from my job I went to XXXX XXXX at this location XXXX XXXX XXXX, XXXX XXXX, CA XXXX I tried to purchase food using my discovery checking account card the transaction have failed but I called Discovery that day it was a pending transaction it told me to wait till it process and post then I called them back today it told me that nothing they could do told me to go back to XXXX XXXX I talked to them
Consumer complaint received 2019-08-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

Jefferson Capital Systems , LLC kept calling and sending threatening letters saying I owe them XXXX, I was so threatened by the caller I gave them my bank information because I didn't want to go to jail or my credit to be messed up like they told me. After reviewing the debt they say I owe afterwards I found out that it was wrong and sent them a certified letter on not collecting on the debt and to tell me how and where they got this bogus amount from. I even asked them to delete it off of my credit report. The problem is they took XXXX out of my bank account and yes I did canceled or stop it with my bank but they withdrew it under the name of XXXX XXXX. I have been calling to get my money back but end up getting hung up on repeatly. I am sending them another certified letter and I also am in the works of suing them to try and get my money back. They have used illegal and awful tactics against me.