davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (NV)

My issues with XXXX XXXX  goes back three years or more. I signed up for a gym membership and personal training XXXX XXXX XXXX XXXX XXXX XXXX, I recived traing for almost a month until I caught XXXX at the XXXX XXXX. I calleed in and told The fitness trainer I was going to be out for Some time. XXXX XXXX XXXX said No problem Call us when your better. During my XXXX I had to under go XXXX XXXX XXXX XXXX. I called the fitness center to cancel my membership and was told that a freeze would be placed on my account and I did not need to pay until i got better. Within 3 months I started recieving collection notices. I called the gym and I basicaly got the run around and even one of there staff stated that XXXX and XXXX XXXX  were no reasons they could use to cancel my membership. I tried to fight the membership issues but kept getting pushed around to differnt manger. All the while trying to XXXX from XXXX  XXXX. I let time lapse and decided after 2 years to visit XXXXXXXX XXXX XXXX  XXXX XXXX location and speak with the fitness manager XXXX XXXX on XX/XX/2023 about my Membership outstanding fees. He stated that he would erase the fees and past dues in exchange for a new contract plus add extra free training. I decided to move forward with the plan and paid the entire amount up front. I completed my training as well as my contract XX/XX/2023. I decided to do one more sesion which after completing my first session I was told the second session was not under contract for the another session and I could quit anytime. This holds true as is states on their website. My First month of training I noticed I was being overcharged and braught this up to the manager XXXX and he stated this has to be mistake and he would take care of this issue. Being fed up with terrible service and a manager who promised free training for all the issues Ive had over the past did absolutly nothing but charge me for every service plus he never erased any of my billing issues from XXXX  XXXX location. My final termination of services was sent to XXXX XXXX XXXX XX/XX/2023. My last day of traing was XX/XX/XXXX which services were never rendered due to and Argument with the XXXX and the trainer both stating that they had no idea I was quiting. This is why I made sure to email XXXX about my termination. He then claimed that he didnt see the emails then retracted his statements. He then said he would cancel my membership on the spot. This never happend and I have been fighting the billing staff about payment as well as sending emails and letters to XXXX  and not getting any responce. The collection services sent an email stating I owe {$47.00} and the XXXX location manager said I owe {$20.00} Now I just recieved another letter stating I owe {$470.00}. The billing is all over the the place without sort bill reflecting these payments.
Consumer complaint received 2023-08-04
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. (FL)

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 validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate 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
Consumer complaint received 2023-09-20
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (WI)

I received a bill on XX/XX/XXXX that a transaction would be withdrawn from. My account on XX/XX/XXXX. I called national credit system because due yo fraud on my credit card again I had to get a replacement card and was simply calling to give my new card number. My account XXXX XXXX was extremely rude and said due to the payment being rejected they can no longer do auto pay. I explained the situation and he stated it was not his problem. I asked to speak to a supervisor and got XXXX XXXX who was horribly rude, disrespectful, refused to listen to my concern, and over talked me. When I tried to explain he said " you are not going to disrespect me '' which was odd because I did not yell, curse or become disrespectful. He used this verbiage to disconnect the call. Please review it!! I never had a company try to prevent you from making a payment. I also went back and checked email and have never received notifications. And .... to receive a bill a day after the withdrawal is ridiculous. This company is ridiculous and hires anyone with vocal cords to answer the phone!!!!
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

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 2024-04-25
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 2023-12-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC (CA)

Im a victim of identity theft. I became aware of this after receiving various notifications from the social security office informing me that I owe money. I decided to let my daughter know about the issue and request her assistance to help me find out what's going on. She recommended me to pull my credit report so I can review it for any fraudulent activity. Unfortunately, I did find fraudulent activity. Among the activity there is an auto loan with Westlake Service Inc. I reached out to them and provided the required documentation to them in two occasions. The first letter with enclosures was dated XX/XX/ ( see attachments ; Westlake_Letter1 and USPS_receipt_Westlake_letter1 ) and the second letter was dated XX/XX/XXXX XXXX XXXX  ( see attachments ; Westlake_Letter2_Frontpage, Westlake_Letter2_signedpage, and USPS_receipt_Westlake_letter2 ). I did not receive any response from Westlake that meet the timeline outline in FCRA 609 ( e ). Just last week I received a letter from them ( attachment ; Westlake_Letter_DatedXXXX  ) requesting the same and/or similar documents that I previously provided to them in the other two occasion. I am confused on why they are asking me for information that I already provided and paid priory mail to ensure that they received it. The Westlake letter was post marked on XXXX XXXX XXXX attachment ; Westlake_Envelope ) but I didnt receive it until last week. Additionally, they want a response with supporting documentation within 30 days from the date of the letter XXXX XXXX XXXX XXXX I am beyond words on why they are playing circles with me. I have exhausted multiple hours and money to resolve this issue with them. Furthermore, the letter they send me has contradicting information. The last paragraph of the letter states, contact me directly XXXX XXXX XXXX XXXX XXXX XXXX XXXX But the closing of the letter end with a XXXX XXXX. Two different individuals and not a single one outlines their position with Westlake. I believe this company is in violation of FCRA 609 ( e ) and possibly more. They are the ones that owe me and the current investigating officer the requested documentation that was stated in the second letter. This is why I am submitting a complaint with Consumer Financial Protection Bureau.
Consumer complaint received 2023-09-20
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. (TN)

Experian consumer report states 24 potential negative months with XXXX XXXX. This account original charge off date reflects XX/XX/XXXX since this date either XXXX XXXX is reporting on several different dates ( XXXX ) as charge off dates when it should only reflect 1 charge off date or Experian is reporting this false and inaccurate information in my credit report. My Experian report also states that XXXX XXXX has written off this debt per my Experian report. If so, this account should not reflect a balance ( maybe a past due amount but not a balance ). Also, if XXXX XXXX has written off this debt they was suppose to provide me with a 1099 tax form so that I can or could have file this debt with the IRS. I have already check my account with IRS.gov and checked all transcripts from XX/XX/XXXX-XX/XX/XXXX and it does not have anything from or for XXXX XXXX . Eitherway this does not meet the FCRA regulations and/or guidelines. This is consider false reporting. Report is attached to validate this errors.
Consumer complaint received 2023-09-20
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. (PA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX  Account # XXXX, has violated my rights.

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 an account without my written instructions
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MD)

During XX/XX/XXXX, I placed an online order with Nordstrom Incorporated. The transaction was charged to my Nordstrom account. Being a consumer of Nordstrom for over 20 years my expectations were that Nordstrom would forward the account bill to the correct address of record. However, I discovered via written notice ( XX/XX/XXXX ) from my personal Credit alert company that Nordstrom reported this account as 30 days delinquent. I did not receive a bill at the correct address from the Nordstrom. Upon receiving the alert I immediately paid the bill ( {$33.00} ) in full through Nordstrom 's automated phone pay system. My payment history during these years has been satisfactory. I believe it is unreasonable and unfair to have reported this negative information. Particularly in view of Nordstrom 's failure to forward the bill to the correct address and then subsequently punish the consumer by reporting the negative information ( delinquency ) on the credit file. I attempted to resolve this matter directly with Nordstrom on XX/XX/XXXX. Their position was one of refusal to remove remark unless there was evidence from the United States Post Office of the alleged original bill being returned to Nordstrom Inc. On the question of what address did Nordstrom originally send the bill to their staff stated they had no record.
Consumer complaint received 2024-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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, XXXX, and Transunion data breach.
Consumer complaint received 2023-08-29
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. (NV)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-04
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

There were a number of issues with this credit card and the charges, but the current problem is this charge off by capital one card # XXXX was in XX/XX/2011 and the charge off still appears on my credit report.
Consumer complaint received 2024-04-25
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. (NY)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (MI)

E*Trade Banking decided to lock my checking account, believed to be XX/XX/2023, when it was believed someone else was trying to access my account from a different state which I do not live nor traveled to. I was not informed my account was locked. 
I contacted E*Trade Bank via telephone on XXXX. I was assisted in changing the Password and establishing a secondary PIN number. Password and Pin do not work. 
I contacted, via telephone today XXXX. I asked for a supervisor and after several minutes on hold was told a supervisor would contact me within XXXX minutes. That was XXXX pm edt, its now XXXX edt. I has not received a return phone call. I can not pay rent, buy food, etc. my Social Security is directly deposited to this account. I have absolutely no access of any kind. Several Life insurance policies were canceled, I can not pay my storage shed fee, auto insurance not canceled yet. Help!
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (CO)

I am attempting to obtain information about how to pay off the credit card. I have called, but since I no longer have the credit card, I can not bypass the prompt to verify who I am. The credit card is very old as well, so it should not be on my report. I am unable to speak with anyone at Chase ; thus I am unable to get the issue resolved.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX XXXX  Account number : XXXX you have this account as closed with a balance of {$8900.00} but this account is fully paid-off and balance on it should be {$00.00} I have attached sceenshot of account full payment information below
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

i notice there is a lot of inquiry that i didn't authorization. and other company my credit without permission and lowering my credit limit. only inquiry i approved is the ones that associated with my open accounts. it's impacting my credit and my life.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

My account with XXXX & XXXX CARD 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 60 days 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 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 8