davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
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)

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. I have doubts about the accuracy of this account and the reported payment history on this account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$8900.00}
Consumer complaint received 2023-09-17
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. (IL)

XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 




Dates that the fraudulent activity occurred : XX/XX/2018. 


I have filed a fraud dispute with XXXXXXXX XXXX XXXX XXXXXXXX and requested an investigation twice, but they denied my claim both times. 


I am a victim of identity theft and an estimate of {$5000.00} was taken by my company and I was required to pay balance, and this has affected my credit score. The company recently emailed me admitting that they charged my card incorrectly, which I will attach as a document. I have submitted this to XXXX as well.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Recovery Services Inc. (TN)

DIVREC SRVC ( Original Creditor : 09 XXXX XXXX ) XXXXUnfair XXXX    XXXXUnfair XXXX XXXX XXXXUnfair XXXX XXXX XXXX   XXXXUnfair The following accounts were disputed directly with the credit bureau and is not reporting accurate information.

I have not gotten any verification of ANY of the above debt.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I disputed my account with Experian for XXXX XXXX  # XXXX and XXXX XXXXXXXX # XXXX They are reporting a charge off which is income. You can not have ordinary income on a credit report. They are defaming my reputation and falsely reporting misleading information on my credit report. I sent a dispute to credit central but they sent me a stall letter saying i was using a credit repair company but i am not. But i have right use a credit repair company to help if i desired. I will CC the attorney general and the XXXX XXXX XXXX All information om credit report should be 100 percent accurate
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023, I applied for a Gold Amex credit card with American Express. The application resulted in a denial and a few days later I received an adverse action letter stating the reason I was denied was based on my credit score. 

On XX/XX/2023, after receiving my denial letter I decided to make a phone call to corporate and talk to a supervisor who also explained that I was denied my right to credit based on my credit score/credit profile. 

I began to ask her " Thats unfortunate could you provide the exact subsection so that I can study it myself? And could provide me with which part of the law says I have to abide by the credit score you chose to use, or that this transaction even needs to be reported? The CFPB states that credit reporting is optional. She failed to cite any federal law abiding with the " Truth In Lending Act '' and continued to repeat that it is company policy/procedure.

American Express company procedure does not override Federal law. This is a direct violation of my rights as a consumer 15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 USC 1602 ( p ) makes it clear that American Express committed fraud and used my credit card without authority and I received no benefit. 15 USC 1692 [ a ( 3 ) ] makes it clear I can not be discriminated against for exercising my rights. 


In addition, after talking to a representative of the company I've also decided to write a letter to the CFO of American Express and file a complaint against the company with the Office of the Comptroller of the Currency as I have felt discriminated against and violated as a consumer.
Consumer complaint received 2024-05-15
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)

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 2023-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota Financial Services - consistently gave inaccurate information about our loan. We received different payoff amounts on different days and on both attempts to pay the loan off we received checks back. The first on a payoff off {$3400.00} we received {$4.00} check back then on another payoff amount of {$800.00} we received a {$790.00} check bank. On the {$790.00} check we waited 2 weeks ( Until XX/XX/XXXX ) to deposit the check - Verified verbally with Toyota financial that the loan had been closed, received multiple letters stating that the loan was paid in full, then on XXXXXXXX XXXX ( XX/XX/XXXX ) Toyota issued a stop payment for the {$790.00} check which they instructed us to deposit and assured us that the loan was paid in full. So a few days before XXXX {$790.00} was pulled from our checking account causing us to cancel some of our XXXX plans to visit family and pick-up last-minute gifts. At no time has Toyota Financial contacted us to admit an error was made on their part prior to pull the {$790.00} back. They have become a Fun dentally dishonest organization with incompetent agents and supervisors that are unable to provide accurate information. Additionally, although the loan was sold with " No Prepayment. '' verbiage the hold extra payments in a no interest earning account an we had to call to get it applied to our loan. Why are these people allowed to do business in California??
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

In XXXX of XXXX I requested a full refund of the {$7400.00} I paid during the XXXX  payment pause. After many hours on the phone, most of that on hold, over the course of 6 months, I received notification yesterday that they were processing a refund of {$3800.00} - barely half of the amount I paid and requested. 

To note, I have receipts and proof of payment ( s ) to prove that these payments were made between XX/XX/XXXX and XX/XX/XXXX but I was never asked for these receipts or proof of payment.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with ( XXXX XXXX  ) 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 in ( MONTHS REPORTING LATE ) 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. 

XXXX 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 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 2023-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to file a complaint to seek assistance from you regarding inaccurate accounts on my credit report that are still reported in disdain of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX, XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$9000.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$4400.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00} ; DEPT OF ED / XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance : {$3600.00} ; DEPT OF ED / XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance : {$1800.00} ; DEPT OF ED / XXXX XXXX Opened XX/XX/XXXX Balance : {$4400.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$4700.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$4400.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$4500.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$3800.00}.
Consumer complaint received 2023-09-17
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. (IL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 




Dates that the fraudulent activity occurred : XX/XX/2018. 


I have filed a fraud dispute with XXXXXXXX XXXX XXXX XXXXXXXX and requested an investigation twice, but they denied my claim both times. 


I am a victim of identity theft and an estimate of {$5000.00} was taken by my company and I was required to pay balance, and this has affected my credit score. The company recently emailed me admitting that they charged my card incorrectly, which I will attach as a document. I have submitted this to XXXX as well.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (AZ)

I am writing to file a formal complaint against Upgrade , Inc. regarding unexplained fees and charges to my account, and the subsequent inadequate customer service when I tried to resolve this issue. 

I have previously submitted a complaint dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but both were closed without a satisfactory resolution. Summary of the Issue : I had borrowed a total of {$26000.00} with an interest rate of 16.99 % starting in XX/XX/XXXX and have paid a total of {$33000.00} closing out my balance as of XXXX XXXX XXXX 

At this interest rate, I should have only had to pay a total of {$31000.00} for the 22 months the balance was on my account, so there is at least a {$1500.00} discrepancy. Previously, after spotting a clear error in my statements, I tried reaching out to Upgrade, Inc. directly by phone but received no explanation before the call was terminated. 

I have since filed 2 previous complaints with CFPB, in neither of the company 's responses did they address the discrepancies. Instead, they have simply confirmed the erroneous amounts which the complains were regarding. 

I have thoroughly reviewed my Promissory Notes, Truth in Lending Statements, and the Credit Line Agreement without any explanation of the additional fees I was charged. I have attached these documents for review.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-17
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. (FL)

attached is the CERTIFIED MAIL FROM USPS XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2024-05-15
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)

I advised the company that they have reported my account a charge off effective XX/XX/XXXX when in fact I have a bankruptcy discharge effective XX/XX/XXXX. The company said they never received the notification of bankruptcy and asked me to email them proof of bankruptcy discharge and documents proving they are including in the bankruptcy discharge, and I immediately sent over the documents to no avail.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I filed a dispute with USAA for my checking account debit card. When I called to check the status of this dispute I was first met with the most annoying automated service I have ever experienced. Then once finally able to speak with someone human I was met with agents who either did not have the tools to do their job or didn't have the intelligence to do the job because they repeatedly would bring up older disputes as opposed to the most recent. This would take 20 minutes at least every time every call, repeating old outdated information and wasting my valuable time with something they should honestly be able to update a customer on automatically. The resolution team members were worse citing 2 in particular XXXX and XXXX. These agents were arrogant disrespectful and deserve to be fired for their behavior and lack of cooperation. I filed complaints against both but am almost certain they will receive no corrective action. I have been hung up on while trying to gain information on my funds held in institution. This seems to be withholding of information regarding my financial transactions. Finally I have been told that even though I called and spoke with someone to put disputes in and completed the call that they had not put in enough information and had not put in the dispute 2 weeks after the initial dispute I filed. They also sent me a conduct letter XXXX XXXX however they tell customers they can not overnight debit cards when they close them and leave you stranded. This bank needs to be investigated thoroughly there seems to be a culture of shady practices and inside fraud possibly.