davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (OH)

I accidently signed up for Experian XXXX  through XXXX. Now there's way to cancel it. 
The website shows no option to cancel. It says you have to call. 
I called the number given. The only time someone deigned to speak to me, all they did was give me a spiel about doing it online. 
You can't. 
I've been trying for almost a week to get this taken care of. 
Every single call is intercepted by their gatekeeper recording that " can only transfer under limited circumstances. '' It just keeps running the same circle til it hangs up on you. 
I want this canceled immediately, I want Experian out of my life, and I want verification that it has in fact been canceled. Email will be fine. 
It shouldn't be this hard to cancel anything, and a company that can't be bothered with its customers shouldn't even be in business. 
I want this done with.
Consumer complaint received 2024-06-24
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. (MD)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-06-24
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> 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 XXXX  days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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 XXXX 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 2024-06-25
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. (TX)

I am writing to urgently follow up on my previous dispute regarding the negative accounts listed on my credit report. As of today, I have not received a resolution, and the inaccuracies persist, adversely impacting my credit score and financial standing.
Consumer complaint received 2024-06-21
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)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-25
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)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
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)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-06-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MS)

On XXXX  XX/XX/2024 I checked my account while at the donut shop and discovered that over {$XXXX} was missing overnight. I was shaking and nervous and trying to call XXXX to make the report. I immediately made the report and could not understand why XXXX never sent me a message questioning all the transactions XXXX transactions- from XXXX different hotels in different states. I called XXXX  on the next day to get any information I could. I was giving the hotel phone number and I contacted them and they admitted that my ID was not shown. I still have my ID and the card that was used. XXXX hotel stated she could give XXXX  the ID of the person but not me. She was the XXXX and she gave me her personal phone number to give XXXX. She in fact called the police on the person. I provided all this information to XXXX and still XXXX weeks later I am without my funds. There is a posted review from another customer who states XXXX  gets you in a bind so they can profit. I feel this way also - I had to get a loan from them to cover my bills. I have a child in college and a sick mom and now I have to deal with this. XXXX  advertise " XXXX XXXX XXXX XXXX  uses state-of-the-art fraud prevention technology to help prevent fraud and related security problems '' this was not true for me. No one could tell me why I did not get the provisional credit. I have good credit and never had a check to bounce. I was told by one of the " Supervisors '' I spoke with that the Supervisor who told me that she spoke with the investigator and said it was just a matter of crediting my account - never happened ; the Representative who told me she reached out to the expedite team because it has been over 10 days that The XXXX team is nonexistent. I ask this Supervisor to PLEASE PLAY BACK the call and see I am not making this up. I AM BEING TREATED AS IF I STOLE THE MONEY. I am a XXXX Vet and Federal emp a member for over 15 years and this type of treatment has me seeking another finical institution
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-06-25
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. (GA)

I am invoking my right to dispute and investigate the wrongful accounts listed on my credit report. Per the Fair Credit Report Act, I should be compensated {$1000.00} for each mistake. FCRA 605B requires us to address any inaccuracies on a consumers credit report.
Consumer complaint received 2024-10-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation (TX)

Texas repossession laws state the vehicle can not be sold within 10 days, the car was taken on XX/XX/XXXX in the middle of the night on a holiday weekend when calls couldn't be made to make a payment and when account was removed from the app, taken from repo lot on XX/XX/XXXX, sold on XX/XX/XXXX all without a notice of intent provided. I was told it was sent on through certified mail on XX/XX/XXXX, Today is XX/XX/XXXX and I still have not received anything. The Deficiency and surplus letter were not provided to be after the sale, and I was told on XX/XX/XXXX it was mailed out through certified mail on XX/XX/XXXX. Again, I have not received either of the two and I called and stated that on a recorded line. They would have confirmation that I received it through tracking, or it gets returned to sender according to the post office. The vehicle sold for XXXX and that amount was applied on XXXX, leaving a remainder of XXXX. Why was I asked to pay XXXX in full by the XXXX XXXX XXXX auction lot to receive my car. XXXX XXXX XXXX XXXX, last 6 of XXXX # XXXX. I was only offered one solution by the charge off department, and that was to do a sales hold of XXXX, XXXX dollars, a max of two times. That was only offered after it was at the auction and that just prolongs the hold. I believe there was never an attempt to collect past due, they cut corners to get the car back. I have documentation from the credit bureaus stating the XXXX past due reported was 90 days. If they do not report correctly, how I am to trust this? The bridgecrestXXXX XXXX company doesn't state this, and I spoke with XXXXXXXX XXXX XXXX Compliance specialist at bridgecrest on a recorded line on XX/XX/XXXX at XXXX XXXX, she stated the account was charged off at XXXX XXXX on XX/XX/XXXX due to being 126 days past due, then I was told Text and emails are a courtesy, and a phone call is the most accurate way to communicate. The app is where customers pay, and should have the most up to date, real time info, unless they are trying to hide something. This has impacted my family greatly ; I am unable to get to and from work without my vehicle and obtaining a vehicle with the false information on my credit is hindering me from getting another vehicle. They keep reporting on this account even though it was charged off on XX/XX/XXXX. I made a complaint earlier last month and they attempted to update the info but it's still incorrect.
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-25
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)

I am disputing and requesting an investigation into the wrongful reporting of these accounts on my credit file. Under the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. According to FCRA 605B, we must report any incorrect accounts listed on a consumer 's report.
Consumer complaint received 2024-06-25
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. (NC)

Experian is reporting inaccurate information on my credit report. I do not owe XXXX XXXX {$620.00}, and this is erroneous, not true. I have disputed with Experian a few times and I am still being overlooked. I will seek legal actions if this inaccurate collection account is not removed. This is bogus and I will prove in the courts of law.
Consumer complaint received 2024-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting to all three credit reporting agencies an unpaid debt of {$100.00} sent to collections for THE GENERAL starting in XXXX of 2023. 

I had an automobile insurance policy with the general. I went with another carrier and that ended the policy. I owe them {$0.00}.
Consumer complaint received 2024-08-15
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (FL)

The collection agency has continued to report this account on my credit report despite having been instructed not to communicate with me further regarding this debt.

According to 15 U.S.C. 1692c, the collection agency is prohibited from engaging in further communication regarding the debt under certain conditions, such as when the consumer has notified them in writing to cease communication or disputes the debt.
Consumer complaint received 2024-08-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (PA)

XX/XX/year> and several instances prior. MoneyLion has XXXX in the app which allows you to borrow based on income/direct deposits. It has a preloaded service fee, my concern is with a tip and based on the screen through process. If I decide to not leave a tip and hit submit the next screen comes up and has preloaded a tip. Sometimes I do this quickly and forget to check it but Ive noticed on that second screen even if I said no on the first the next screen includes one, if I see it and change it the app makes me confirm again on an additional screen to not tip including a message money doesnt grow on trees Or something to that effect. This is a process repeated as the max is {$100.00} so if you need {$450.00} of XXXX and its available then youll do the process 5 times- 5 chances for them to attempt/sneak a tip on top of the service fee.ot even looks like in my emails they processed a tip regardless.
Consumer complaint received 2024-08-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Everything happened today XX/XX/year>. 
XX/XX/year> - purchased card XXXX tried adding to XXXX XXXX ( followed their website instructions ) which is why I bought the card. 
XX/XX/year> - it declined the card using wallet XX/XX/year>- declined card via settings XX/XX/year>- declined card via XXXX website XX/XX/year> - called the cards customer service Their response my browser was not supported XX/XX/year> - called XXXX they were on the phone with me for XXXX minutes trying to help me their answer was its the card issuer not releasing my own funds. 
XX/XX/year> - called the card customer service again this time they said I cant use this card with XXXX wallet. I asked where does it say that? It does not state that on the card packaging. 
XX/XX/year> - I gave up trying to use it for the reason I purchased it for XXXX, apps ect, which made me despondent and just absolutely depleted. 
XX/XX/year> - I then tried using the card for XXXX and again it got declined on XXXX different devices. 
XX/XX/year> - called the card customer service yet again which their excuse to me now was they cant help me because their having technical difficulties. I purchased this card at XXXX pm I have been now dealing with this all day and its now XXXX pm with absolutely no resolution
Consumer complaint received 2024-08-09
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. (CA)

XX/XX/XXXX Came into a chase bank to dispute monthly service fee charges and was shown I had reached the limit for refunds for the year XXXX Called a representative about the reason for monthly service fees and found I met the requirements/was n't violating any policies, so was refunded for XXXX charge but was told I needed to come in to receive a refund the previous months. 
Sporadically through the year I am charged a XXXX XXXX monthly service fee, or a XXXX XXXX  monthly service fee. It is never consistent the dates are below. 
XX/XX/XXXX Came into a chase bank to ask about monthly service fee charge and was told again I didn't violate any policy and was refunded. 
{$12.00} charge - XX/XX/XXXX, XX/XX/XXXX, {$8.00} charge - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az, XXXX 15 U.S. Code S 1681c~2 An consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting fromidentity theft, to prevent thatperson from refurnishing such blocked information. 
Capital one account should not be furnished on my consumer report as there in VIOLATION of 15 U.S. Code S 1681c~2 permissible purposes of consumer report ( A ) IN GENERAL to subsection ( C ) any consumer reported agency may flourish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions consumer to whom is related I never gave any consumer permission to report anything on my consumers report which is the violation of my rights no consent is identity theft as a consumer Im demanding a delete account, listed below immediately! 

Capital One Quicksilver Account number XXXX