davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My accounts with DEPT OF ED/XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DEPT OF EDXXXXXXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

On  XXXX  of this year, I sent for a free cream item and only had to pay shipping cost. So this offer had popped up in my email and i paid with my check card.The company of course had my name and address to send me the free product. It had also asked for my phone number. S o three w eeks later in  XXXX  the company charged my account with  XXXX . I did not sign up for this. So I called chase bank and told them what happened and they put the money back into my account. They, bank  manager ,  XXXX   XXXX  gave me a new check card and said it was a scam. So I thought the problem was resolved.  XXXX  also stated the farm out your information. So on  XXXX   XXXX   Chase b ank without my permission, did an unauthorized transaction to this same company for  XXXX . I went to the bank immediately and  XXXX  the bank  manager was th ere. I told him what had happened. He said the claims dept. would handle it, there was nothing he could do. Well I sat there for over an hour and got nowhere. Then when I got home I called the bank and no one would help me. They said the company sent them paperwork that said I had a membership, well I do n't and I finally got the paperwork this week. There is no signature, the papers are bogus, all they have is my name and address which they would since i got the free cream. No one will help me, I did n't authorize this transaction.This is stealing.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am now requesting proof of the previous investigation. I'm asking that you send your method off investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. Thank you for your understanding and prompt action.
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX   XXXX ,  XXXX  CFPB :   XXXX   denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the  past five ( 5 ) ye ars.   XXXX    claims that I owe it over {$140.00} on my    XXXX     Visa Platinum C redit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX    alleges that it performed more than {$140.00} of Maintenance on my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.  XXXX  threatened to take away my  XXXX   XXXX  and the personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that   XXXX   remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my   XXXX    Visa Platinum Cre dit Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get  XXXX  to accept payment from my    XXXX    Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX    Visa Platinum Credit Card. And remove the negative   information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX
Consumer complaint received 2017-05-13
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: CarMax, Inc. (GA)

On XXXX/XXXX/XXXX car max requested to pull my credit for an auto loan. I was not in the market for a car and this was never authorized. A total of XXXX inquires throughout the XXXX bureaus from 6 different companies, which whom the other 5 say they pulled FOR car max, has been reporting on my credit. There are no open accounts or auto loans through any of these companies. I have contacted all 6 companies by phone email and letters only to get no results. XXXX, XXXX XXXX acceptance, XXXX XXXX XXXX ( twice same day on XXXX ) car max auto finance and XXXX XXXX XXXX servive
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

Our family loves the Amex XXXX Card. My wife has had hers for a few years and has really enjoyed the benefits, especially the XXXX XXXXXXXX XXXX XXXX during our vacations in XXXX and XXXX. When I saw the promotional offer for the American Express XXXX XXXX XXXX " Earn XXXX XXXX membership Rewards Points after you spend {$20000.00} in eligible purchases on the Card within you first 3 months of Card Membership. This offer may not be available if you leave this web page and return later {$690.00} Annual Fee ''. I applied for the offer right away and began using the card immediately. To keep track of my everyday purchases and ensure I reached the {$20000.00} spending goal within the first three months, I created an XXXX spreadsheet. As of XX/XX/XXXX, my total spending was {$20000.00} ( not including the {$690.00} annual fee ), broken down as follows : {$2600.00} ( Statement Ending XX/XX/XXXX ) {$3800.00} ( Statement Ending XX/XX/XXXX ) {$13000.00} ( Statement Ending XX/XX/XXXX ) I'm still using the card, even after exceeding the {$20000.00} spending requirement. However, when my fourth statement arrived, I noticed the promotional offer for XXXX points wasn't reflected. I called Amex customer service a few times and was advised to wait ten days for a resolution. As of today, XX/XX/XXXX, I still haven't received the points. I genuinely believe Amex should honor my bonus of XXXX points, especially since our family has been loyal members of American Express for over thirty years. Thank you for your consideration! Attached is the the screenshot of the offer for your record.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: NAVY FEDERAL CREDIT UNION (VA)

ISSUE : Request assistance in getting refunded {$420.00} of the full purchase price of $   XXXX  for Web Order Number :  XXXX   XXXX  WATCH  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Part Number :  XXXX .     Attempted to resolve issue directly with  XXXX  on multiple occasions from  XXXX   XXXX   XXXX . Then sought resolution by submitting request to open an investigation   XXXX   XXXX   XXXX  with credit card issue r (   See Attached FILE  XXXX  ). Credit Card issuer applied a temporary credit back to my account on  XXXX   XXXX   XXXX .  Below  is the last reply to credit card issuer in response to correspondence informing of action from response from  XXXX   ( See Attached FILE  XXXX  ).     NAVY FEDERAL CREDIT UNION Credit Card Chargeback and Resolution   XXXX   XXXX    XXXX   XXXX , VA  XXXX   RE : NFCU Correspondence Cre dit Card  Dispute  with  XXXX   Online  dated  XXXX   XXXX ,  XXXX  Request an extension to suspense to reply to keep case open stated o n NFCU correspondence referenced on subject line. I have returned from a trip to Florida and today opened the NFCU correspondence with a suspense t o respond by  XXXX   XXXX ,  XXXX .     Based on the evidence provided and  NFCU  correspondence dated  XXXX   XXXX ,  XXXX , I had no expectation of receiving any other action regarding this case and quite surprised o f NFCU r esponse to remove the temporary credit.      XXXX   Response  :  Dated   XXXX   XXXX ,  XXXX , states The customer also received credit in the amount of {$50.00} for the  XXXX  + for the original watch to the original form of tender. Also stated There is no record of the customer returning the  XXXX  Watch  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  Ny.      Rebuttal  : Evidence presented is self-evident clearly showing that both of these statements are false. I have provided invoice evidence that I have paid twice for the same  XXXX   XXXX   XXXX   Watch.  Simple question for  XXXX  is to show where I have been reimbursed for the remainder of the  Online Credit  {$470.00} minus the {$50.00}  (  which was refunded correctly to original tender ) of {$420.00}.     The evidence provided shows clear and unmistakable error by  XXXX  for non-refund of a returned  XXXX  product in accordance with  XXXX  Sales and Refund Terms and Conditions listed under  XXXX  tandard Return Policy  XXXX  Watch Returns.      My expectation is for  NFCU t o fairly act, based on the preponderance of facts provided, to make temporary credit final to fully reimburse my account for the returned  XXXX  product. If this action is not resolved based on the evidence provided I will seek resolution from the   Consumer Finance Protection Bureau ( CFPB ).
Your assist  ance in this matter is greatly appreciated.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I was a victim of identity theft and I am currently in distress and suffering XXXX  XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2017-05-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ashfield Management Services Inc, (FL)

I received a voicemail from "  XXXX   XXXX  '', who did not disclose the name of his organization but simply said I or my attorney needed to return his call at  XXXX  regarding case "  XXXX  '' as there was a " complaint pending against ( me ) ''. The call actually came from a local area code that matched mine. I returned the call and was advised the company is called " AMS ''. When I was transferred to  XXXX   XXXX  I asked him for the address of his company. He replied by asking me what I was sending and I reminded him that he is obligated to disclose his company 's full name and address, which he then did as fast as he could. He advised he was with "  Ashfield Management Services  at  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX , NY ''. He then advised me that he was calling about a defaulted payday loan and a " bad check ''. I replied that I had not written a bad check and he spoke over me and said " sure you did, a bad ach ''. I advised  XXXX   XXXX  tha t 1-I have a bankruptcy attorney that he needs to speak to as opposed to me and 2-payday loans are not even legal in my state. He demanded my attorney 's information. I began to g ive him the information and he spoke over me stating it is my attorney 's job to call him. I advised him that I have not received anything in writing about the alleged debt and that he is not to contact me again as he has been put on notice that I have an attorney. He spoke over me and refused to let me give him my attorney 's information despite his legal obligation as a debt collector to communicate with my attorney only as he has been fully retained.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : inquiries XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX personal information Name : XXXX XXXX XXXX Employers XXXX XXXX XXXX Employers : XXXX XXXX  XXXX : EMPLOYED Employers : XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX
Consumer complaint received 2017-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I have inaccurate information showing on my  XXXX  and  XXXX  credit report. Despite my many attempts to resolve it with Navient customer service department and the listed credit bureaus it has yet been resolved.   I n 2014 my loan went into default and this has tarnished my credit and caused me harm. Though I followed the directives of the customer service agent advice which was to put the loans in deferment, which is the advice I followed for years after being told my only two op tion were deferment or consolidate. Forcing me having to pay higher interest rates, being turned down for loans and sufficient employment to take care of my family.   I 'm requesting that all  XXXX  Navient accounts be removed from my credit profile due to the inaccurate information reported continue to cause me harm.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them.
Consumer complaint received 2024-11-01
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Against Experian for Violation of 15 U.S. Code 1681n Dear CFPB, I am writing to file a formal complaint against Experian for violations under 15 U.S. Code 1681n, which pertains to civil liability for willful noncompliance.

( a ) In general, this statute states that any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for an amount equal to the sum of {$1000.00} or greater.

( b ) Furthermore, it specifies that any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer or {$1000.00}, whichever is greater. 

I believe that Experian has willfully failed to comply with these requirements and has acted in violation of the law, as they have full access to my supporting documents which substantiate my claims. 

I kindly request that you investigate this matter and take appropriate action against Experian for their noncompliance. 

Thank you for your attention to this important issue. Should you require any further information or documentation, please do not hesitate to contact me. 

Sincerely,
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (FL)

Today I received 8 phone calls about a late payment. My payment was 7 days late. I made the payment on Monday, however, I was {$9.00} short ( I thought my payment was {$30.00} ) and I guess this caused them to call me 8 times without messages left, on 2 of the calls I picked up I was hung up on and the last call I explained I made the payment Monday. It was never said my payment was incorrect. When I checked my account it said I still owed {$9.00}, which I paid immediately. There is no reason for this many calls.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 

Account Name : XXXX Account XXXX : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.