davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: COMMERCE BANK (NJ)

I attempted to close my credit card with Commerce Bank on three separate occasions. The first time I tried online, received a notification on the screen that the account was closed, but it was still showing up 2 months later in my online banking page as active. The second time I tried over the phone, they claimed I could not close it because it had a pending charge. I asked to not let that charge go through, but they refused. The third time I went into the bank branch, with a family member as witness in XX/XX/XXXX, and closed both checking and credit card. I was assured the accounts were all closed and I had no cards or accounts with them. I continued to monitor my account, but 2 months after my online banking information was deleted as I had no accounts to watch. I then moved states a few months after that. I have received no contact from Commerce Bank. 

In XX/XX/XXXX, I received notice from the people that lived at my previous address that I had mail from Commerce. It ended up being a " missed payment '' notice. When I called the bank to inquire why this account was still actively being charged, they informed me that it had NEVER been closed and was still active. It was a fraudulent payment from XXXX in XX/XX/XXXX from California and is now on my credit report. This would not have been possible had they closed the account when they told me they did.
Consumer complaint received 2024-05-06
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX RE : NOTICE - XXXX XXXX XXXX XXXX NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to Clarity that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX Account number XXXX {$44000.00} Date opened XX/XX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Original balance {$56000.00} XXXX. XXXX XXXX XXXX XXXX Original balance {$66000.00} Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Original balance {$49000.00} Account number XXXX XXXX. XXXX XXXX XXXX XXXX Original balance {$56000.00} Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Original balance {$47000.00} Account number XXXX Date opened XX/XX/XXXX Sec. XXXX - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. XXXX - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the XXXX  statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does Clarity allow these non-compliant institutions to report on my credit profile and put my privacy at risk? Until compliance with Sec. 6802-6803 of the XXXX  can be substantiated, I DEMAND that Clarity PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). Experian and XXXX are in direct violation of the XXXX XXXX XXXX non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The XXXX  non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of license
Consumer complaint received 2024-09-15
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: EQUIFAX, INC. (CA)

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. 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 2024-07-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC (OK)

I have been trying to get Shellpoint Mortgage Services to provide me with a correct payoff as of XX/XX/year>. They previously provided a payoff to my ex-wife on XXXX XX/XX/year> that was only valid through XXXX XXXX  on XXXX XX/XX/year>. I could not get a payment arranged in one day. It included " per diem charges '' of $ XXXX but when I contacted them directly on XXXX XX/XX/year> about making a payoff after XXXX XX/XX/year> by adding the per diem charges per day, they told me to request another payoff since they could have added additional charges subsequent to their " one-day Payoff '' offer. During that conversation on XXXX XX/XX/year> with their representative, I requested a payoff that would be good through XXXX XX/XX/year>. He agreed to send it to me. I waited the " 5 to 10 business days '' for the email/letter. It did not arrive. I was later told by a different representative that a payoff was never requested on XXXX XX/XX/year>. I always get the same nonsense from this company stating it will take up to " 5 to 7 business days '' to get that done or " between 5 to 10 business days '' to get it to me. It seems to just be a delaying tactic to give them time to add additional fees or keep the interest cost increasing through delays. These folks seem cordial on the telephone but they are not helpful.
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-06
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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( XX/XX/23 and XX/XX/23 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

Account : XXXX CHEXSYSTEMS is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. Furnishing this information has caused severe damage to my character, my reputation, my general way of living, and my abilty to obtain credit for personal and house hold purposes. You and your inaccurate furnished data has damaged my livelihood and ability to obtain a bank account. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and nohother. You dont have my written consent to communicate about this alleged debt. 15 U.S. Code 6801 - Protection of nonpublic personal information. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non personal information.
Consumer complaint received 2024-05-06
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. (TN)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXXXXXX XXXX  account XXXX XXXXXXXX reported inaccurate information on my credit report, I HIGHLIGHTED all inaccurate information on the report. 

15 U.S Code 1681 s- 2 - responsibilities of furnishers of information to consumer reporting agencies section ( 1 ) ( a ) states : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASON TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

this is about the late payment still on my report that XXXX XXXX  said they were gon na remove via arbitration settlement and has not been resolved as per our contract! since XXXX and my account it still shows that I have a late payment in XX/XX/year>. They assured me they would contact the bureaus and have it removed but it is still on my report!
Consumer complaint received 2024-09-15
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: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I've been an American Express cardholder in the XXXX since early this year. Having 3 business cards and having spent over $ XXXX in the last 3 months on them, I was really satisfied with everything. Eventually my card ended up in a financial review for 2 weeks which after confirming everything with my banks & sharing financial documents the account was reinstated. 

After using the card for a week or so, I made a few payments towards the outstanding balances to reduce the outstanding amounts and to free up available spending. One of these payments ( {$10.00} ) got returned because my bank ( XXXX XXXX ) has a ACH Debit Block security on my account, due to me travelling I had been unable to approve the ACH Debit on time causing it to be returned. Once I found out, I immediately made new payments that did go through. 

On Saturday I've used the card at the XXXX XXXX, a few XXXX transactions and all of a sudden I receive 4 e-mails stating my cards have been cancelled. After reaching out to the customer service/credit team, it seemed my cards were cancelled due to the returned payments ( to the surprise of the agents on the other end of the line ). They promised me to review the matter and escalate it to the relevant teams for the account to be reinstated, and I'd be contacted on Monday. 

Since it was almost XXXX already today I decided to get in touch with the credit team myself, they told me the account was showing as eligible for re-instation, and it could probably be reinstated as soon as today, but they had to check with the relevant teams on how to do it. After 30 minutes on hold, I'm being told it's not possible to re-instate the account and that I have to re-apply. Even after asking for the team leader I get the same response, he just apologised for the misinformation and told me to re-apply. 

Re-applying would cause a new hard pull on my credit and I doubt if I would get approved again for all cards I had given, I have to apply for 4 news cards. It really surprises me that 4 colleagues would have misinformed me about the possibility of re-instating the account, and so do I doubt if my account would really be permanently closed for a single failed payment? 

Could you possibly escalate this to the relevant teams and look at having the account re-instated? Having an AMEX Card is crucial for our business, and we'd love to keep using AMEX.
Consumer complaint received 2024-08-21
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. (TX)

My account with XXXX XXXX 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 XXXX XXXX XXXX. 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 those account 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 2020-02-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (SC)

Jefferson capital system is reporting a debt on my credit report in the amount of {$13000.00}. This debt was reported on my credit starting XX/XX/XXXX. The loan which was originally provided by XXXX XXXX XXXX, was paid off in XXXX. Not only is Jefferson Capital reporting a debt that I do not owe, they have the wrong date of the account which is hurting my credit even more. I was never notified of my right to dispute this before it was reported on my credit. I disputed through transunion and XXXX  website in XX/XX/XXXX, but Jefferson capital still has not removed this off of my report.
Consumer complaint received 2024-09-15
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. (FL)

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification. 
Account : XXXX XXXX XXXX XXXX number XXXX  XXXX payment late years XXXX
Consumer complaint received 2023-04-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Titanium Funds (UT)

On XX/XX/2023 I received a car from them. 
Other than the fact that they prey on people in tough situations with absurd APRs, overpricing their vehicles ( XXXX for a vehicle valued at XXXX ), they're also thieves and frauds. They took the car back before I even had a chance to make my payment because " my paystubs were fake ''. When I offered him to come talk to my employer directly for proof, suddenly my XXXX wasn't interested. I called to see when I can retrieve my tools out of the car ( worth around XXXX dollars ), was told I can come in Friday after work. 

I went in, XXXX said " the shop is closed and I can't get them, but I should be able to get them on Monday. '' I wasn't able to come before Tuesday, and suddenly their place was " broken into '' and no Tools of mine were found anywhere. Funny how that works. 
When I asked for camera footage for a police report XXXX said " they have no cameras ''. A dealership with XXXX  of XXXX  of dollars in cars doesn't have any surveillance? yeah right. 

I spoke to a few other employees and none of them were aware of any break ins somehow. 

I have attempted several times to pick up my tools and have good reason to believe I am being lied to and my tools were stolen by someone at the dealership. Its also possible they sold the vehicle to someone else without looking ( several of their vehicles we looked at had belongings, including the addresses of previous owners ) and needed an excuse to come up with why my tools are gone.
Consumer complaint received 2024-09-15
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. (NV)

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX Date : XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear Sir/Madam, I am writing to formally dispute the following unauthorized inquiries that have appeared on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit inquiries can only be added to my report if I have provided explicit authorization, which I have not done for the inquiries listed below. These are fraudulent. 

Please remove these inquiries from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my knowledge or consent . Under the FCRA, a hard inquiry should only appear on my report when I have expressly authorized the creditor to access my credit information. I have not authorized these inquiries and, therefore, request that you remove them from my credit file. 

Please conduct an investigation into these inquiries and provide written confirmation once the unauthorized inquiries have been removed. I expect a prompt resolution to this matter, as the FCRA requires timely and accurate information to be maintained on my credit report. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX