davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (TX)

I engaged XXXX XXXX for marketing services using AFFIRM to pay for it because AFFIRM offered a promise that if I didn't receive what was promised I would not be responsible for it. In the marketing services XXXX XXXX was supposed to provide this was was for professional videos, full marketing support, and website development. They provided none of this and constantly had excuses for delays and problems on their end. I have disputed this with AFFIRM and AFFIRM refuses to honor their dispute process as this was fraud from XXXX XXXX. XXXX XXXX has not provided the services I paid for and therefore if they won't refund it AFFIRM should be stepping in to assist.
Consumer complaint received 2023-10-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (IA)

I have tried calling Edfinancial four times, and all times I have been on hold for over an hour and had to go to work. I have checked my account, I have sent several emails with no answer, and now I was forced to autopay an amount that was too high, with a higher amount coming out in XXXX. Edfinancial is saying I need to pay XXXX a month, which is higher than my mortgage. I am chronically ill and went back to school to get my XXXX so that I could become a XXXX XXXX XXXXXXXX. Due to my chronic illness, I can only work part-time and will only be paid a fraction of my salary until I get XXXX hours completed in the XXXX XXXX XXXX. I work in a rural town and have mostly XXXX clients, which even lessens my salary more. I am now making less than I made with Social Security. Never did I imagine a payment that would threaten to take everything. I felt somewhat relieved when XXXX XXXX tried to help but offered the XXXX program. When I went to XXXX and applied for the program and it said it would be XXXX a month. I can make this work for now. We were planning on buying a new house and moving so that I have less of a drive, but now we are stuck with spending no money and selling everything to try and make any sort of payment. This company is predatory in not answering the phone and not responding to emails, and not processing the SAVE.
Consumer complaint received 2024-09-05
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: Experian Information Solutions Inc. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX  - XXXX, XXXX XXXX - XXXX,
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX - Collection XXXX XXXX XXXX - Late Payment XXXX XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: OLD NATIONAL BANCORP (IL)

My aunt passed away and I am her executor and Trustee. I notified them of her death and wish to close out the small retirement account. I have visited the bank in person three separate occasions each time they asked for additional information which I provided. I tried calling them this week on Monday, Tuesday, Wednesday, Thursday and Friday. They did return only one of my calls but I was not available. I have left several messages each day. I find it astounding that they are unable to return my calls and that there is nobody to answer my messages/calls. I have also tried their ( XXXX ) number in addition to their XXXX XXXX, IL number and nobody can help me. 

Further, there was a withdrawal/Distribution of {$450.00} we were not aware of. We need to find out what that was and who received the money.
Consumer complaint received 2024-10-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (NC)

The website does not include all payments made towards the student loan. A {$6000.00} + payment was made from an offset of my taxes. 
When I bring up the payment information online that is omitted. The company also states they sent me a {$240.00} refund which I never received. 
My account is that Navient owes me approximately {$11000.00} and I have not received any refunds.
Consumer complaint received 2024-10-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (TN)

On XXXX XXXX I payed Goodleap a balance of XXXX by check marking it payed in full the balance on the bill. They will not take it off my credit saying I still owe a balance. They also keep sending bills saying I owe them interest. I contacted an attorney he talk to them sending a letter and ask why I still own them money they could not answer him. So he told them I was not going to pay another penny the account was payed in full. I have a copy of the check from the bank stating payed in full on the bottom of the check. They should cease and desist. They have not.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (DC)

On XX/XX/XXXX I was charged a return payment fee for {$29.00}. I don't agree with this return payment fee because American Express received the statement balance payment in full and on time for that month on the due date. They would not remove this return payment fee so I closed my account out of frustration with being treated unfairly after having flawless payment history with them for nearly 10 years. I don't think I should be responsible for this fee because no payment was actually returned and they received the full payment. 

There was {$22.00} left in rewards dollars for the next statement on XX/XX/XXXX which was applied on the statement with {$0.00} in interest leaving {$6.00} balance left. I did not pay this remaining balance because they received most of their invalid return payment fee money from my rewards balance, so I erroneously assumed this small balance wouldn't be a problem. 

This {$6.00} balance ultimately caused XXXX days past due negative marks on my credit score and late fees adding up to {$52.00} on the XX/XX/XXXX statement. I contacted American Express about this and they removed the balance but would not remove this 60-90 days past due negative mark on my credit score that reduced it by almost XXXX points, claiming this is an accurate reporting of the account to the credit bureaus ( see attached letter ). I disagree with this conclusion and I don't think it's fair that {$7.00} reduced my credit score by this much, especially when there should not have been a balance to begin with. This is a problem caused by American Express and unfair treatment of a customer. If you review my credit history, this is the only time in almost 20 years that there has ever been a problem and I think that needs to also be considered in this case. If this was a mistake on my part I don't think I should have to pay this dearly for {$7.00}. I have attached the statements for this narrative. 

In conclusion, I think the 60-90 days past due negative mark needs to be removed from my credit score ASAP.
Consumer complaint received 2024-08-28
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. (NJ)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized ACCOUNTS that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 
XXXX 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 2024-10-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc. (TX)

CarMax XXXX XXXX, XXXX XXXX : Customer Service Department XXXX XXXX XXXX XXXX XXXX, VA XXXX I am writing to formally dispute the alleged debt you claim I owe and to express my serious concerns about the deceptive practices employed by CarMax XXXX XXXX XXXX XXXX, which induced me into signing a contract that was unfair and one-sided. Despite my efforts to resolve this matter, including filing for arbitration, CarMax has failed to respond to my claims, and instead, has engaged in behavior that I believe violates both federal consumer protection laws and Texas state laws. 

Background and Allegations I assert that CarMax used deceptive practices to secure my endorsement of a contract that was not only one-sided but also failed to adequately disclose essential terms and risks. Following this, I filed for bankruptcy to involve the courts in seeking a fair resolution. Instead of addressing this through the appropriate legal channels, CarMax chose not to appear in court and, instead, sent a repossession company to my home, which I believe was a deliberate attempt to circumvent my legal rights. 

Violations of Federal and Texas State Law CarMaxs actions are in direct violation of the Truth in Lending Act ( TILA ) and the Fair Debt Collection Practices Act ( FDCPA ), which protect consumers from unfair and deceptive practices in lending and debt collection. Furthermore, under Texas state law, specifically Chapter 392 of the Texas Finance Code, it is unlawful for creditors to employ deceitful practices to collect on a debt. CarMaxs failure to provide full and fair disclosures at the time of contract execution, coupled with their subsequent behavior, constitutes a breach of these protections. 

Arbitration and Lack of Response I have filed for arbitration against CarMax in good faith, providing detailed claims regarding their deceptive practices and unfair treatment. To date, CarMax has not responded to my claims within the arbitration process, further indicating a lack of commitment to resolving this matter responsibly.

Should CarMax continue to ignore my requests and legal filings, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Texas Department of Banking, and other relevant authorities. 

I expect a timely and thorough response to this dispute. Failure to address these concerns will leave me with no choice but to pursue all available legal remedies to protect my rights as a consumer. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-28
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX : {$200.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

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 2024-10-24
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. (MD)

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Date of Birth : ( Private D.O.B. ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan accounts, Mortgage loan account, XXXX XXXX account and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-24
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. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-28
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. (FL)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-28
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. (OR)

I am writing to formally dispute certain items listed on my credit report under the provisions of the Fair Credit Reporting Act, specifically 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), which require that all information on my credit report be 100 % accurate. After reviewing my recent credit report, I have identified several inaccuracies that I believe warrant correction or removal. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that the information listed above contains inaccuracies. According to the aforementioned sections of the Fair Credit Reporting Act, all information on my credit report must be accurate and verifiable. If these inaccuracies are not corrected within 30 to 45 days from receipt of this letter, I will be compelled to pursue legal action to recover damages of up to {$1000.00} as permitted by law for the inaccuracies present on my credit report. 

I request that you investigate these accounts and either update them to reflect accurate information or remove them from my credit report altogether. Please provide me with written confirmation once these corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your response within the required timeframe. 

I have attached documents that prove my identity and the inaccurate information on my report.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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/updated. 

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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  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!