davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I've always ensured timely payments on this account, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2024-08-19
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. (PA)

I have disputed this with XXXX credit reporting agency over and over again and they refuse to comply.I asked XXXX to simply remove all internal blocks and security freezes from my credit report and they have recently sent me another letter stating, PLEASE BE ADVISED THAT THERE IS NO NO BLOCK REPORTING ON YOUR XXXX CREDIT FILE. PLEASE BE ADVISED THAT THERE IS NO FRAUD ALERT REPORTING ON YOUR XXXX CREDIT FILE. PLEASE BE ADVISED THAT THERE IS NOT AN ACTIVE SECURITY FREEZE REPORTING ON YOUR XXXX CREDIT FILE. I will be providing photo evidence that there is a internal block, security freeze, or something else XXXX is doing to prevent me from viewing my credit report or disputing inaccurate information on my credit report/profile.
Consumer complaint received 2023-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC ()

adjustment in the settlement sent to XXXX XXXX for full payment of the vehicle declared a total loss on XXXX XXXX XXXX 

proration of the difference in the insurance collection that was taken on XX/XX/, for a value of {$1400.00}, payment one year in advance and which is financed by westlake financial I am demanding the credit in the amount of XXXX since I only had possession of the vehicle for one month and Westlake Financial Services needs to adjust the amount in the final adjustment for the payment of the vehicle. 

They have threatened me with going into collections when I am only looking for an appropriate adjustment to close this case, with no response from the financial company Westlake Financial Services. 

I also find inappropriate and not correctly formulated the adjustment of the XXXX XXXX  company by the adjuster XXXX XXXX, assigned on XXXX XXXX XXXX I expressed the situation to XXXX XXXX but he ignored my requests and refuses to answer my questions. calls and email. 

I have tried to contact the adjuster on different occasions without receiving a response. 

Also My claim number is XXXX and my policy number XXXX
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (WA)

I was sent an email and a prepaid card in the mail unsolicited. I have tried to unsubscribe from emails, requested my account be deleted, all personal information erased, yet I still get daily emails. Never email me here again : XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I called capital one banking about my business checking account. I was told they closed it due to an internal investigation. They didnt provide me with any reason why. There holding my funds, and I was not given any time line for when I should receive a check
Consumer complaint received 2020-01-29
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. (NY)

XXXX XXXX XXXX account # XXXX. 
Was disputed & challenged in XX/XX/2019 with Experian. However, the company has responded that the funisher has verified this account, Without providing methods of verification as requested. This is a violation. 

Experian is currently reporting XXXX XXXX XXXX with a payment history after account has been closed and placed in collections. This is a violation. 

Experian does not report the last date of payment received. A violation
Consumer complaint received 2024-04-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

My original lender was Sally Mae, after I graduated the economy crashed and there was no support or aid for me. I could not pay and early on my loan accrued {$30000.00} in XXXX year. I was XXXX XXXX XXXX. Of course the school was also at fault and since my XXXX XXXX have finally won a legal case against the department of education for predatory lending associated with our school which has since closed.

I have already refinanced and paid more than my original loan amount but the lender has given no mercy and the claims against my school are unrecognized.

The lender also failed to reveal the original interest accrued by Sally Mae when the loan was sold.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-15
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: Experian Information Solutions Inc. (MD)

I reported a fraudulent account that was opened in my name. After XXXX did the investigation, the results that they came up with was that, there was a payment made from a XXXX XXXX account which under my name. 

Im requesting for a re-investigation because I do not have an account with the so called bank. Its either XXXX  is not doing their investigation right or coming up with wrong feedback or even making something up. I have sent an identity theft report including a police report to XXXX  and XXXX  is still not removing this account from the credit bureau. After there is no resolution, Im going to sue because your investigation is not accurate and this is typical wrong doings to people of XXXX after I spoke to XXXX  multiple times on the phone.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-04-15
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. (FL)

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, 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. 

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 sh
all 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 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (AR)

XXXX XXXX uses a third-party financial servicer, Barclay, to facilitate payments. The two entities appear separate, and do not share information about account transactions and payments in real-time. I have noticed a pattern of consistent over-charge of interest as a result, which usually is most apparent when I pay my balance in full and receive a statement that I owe additional fees/interest after-the-fact. I believe this practice is deliberate, and contrived to passively retrieve more than agreed upon interest fees in the credit contract. I have to call every time this happens and request the interest fees be reversed. The fact that the company readily acknowledges the error of additional charges and reverses the fees without question leads me to believe that they are aware, and that many other consumers may just be unknowingly paying these fees without question. I have expressed to Barclay ( in these phone calls ) that this practice is patterned, unethical, and illegal and that someone should correct the error in the system. Today I am filing complaint in hopes that an outside investigation into their practices will bring them into compliance of federal fair-trade practices.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

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 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (KS)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom this may concern, I have tried multiples time sending you a letter but due to my limited English and inexperience regarding dispute to credit bureau I keep getting rejected on this inaccurate late payment report on XXXX XXXX XX/XX/2022. 
This is not funny anymore this is a serious matter and I need you to take me serious There a late payment on XXXX XXXX on my credit report that are not accurate and this is truly hurting my chance of refinancing my home so I can keep up with the monthly Mortgage before they going through foreclosure soon. 
The mortgage company told me you could fix this issue and these late payments are incorrect and need to be updated to on-time paid as agreed you are reporting late and those dates need to be changed to paid as agreed. 
I am in dire need of your help to fix this issue please do not ignore my letters my because whole family depend on this. 
I did reach out to XXXX XXXX company and they told me they going to take it off but the problem when I called them it was like 4 months after they report me a late payment on XX/XX/2022 that Im not even aware of! They told me they cant take off anymore since it already past 1 month after they accidently report me a month before. Telling me to contact credit bureaus now. 
I dont know if theyre lying trying to cover their mistake or not but at that time I didnt think it important to resolve the matter until now I tried to refinancing my home. That when I know how important that I have to clean up my credit profile not to mentioned I have tons of unauthorized tried to open credit card account under my name. 
I dont want to bring any law code in this letter because I think we can resolve this problem in a good matter. You guy keep sending me rejecting letter stating I need to do this on my own. So Im trying my best to dispute this on my own knowledge but this will the last time I will report this problem and If this cant resolve I have to report to CFPB. Thank You
Consumer complaint received 2023-11-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (GA)

I spoke with GM/Cadillac Priority Care in regards to my Cue device several times. The Cue device is the central unit that controls, the radio, temperature, blue tooth settings, entertainment etc. The screen has been webbing ( delaminating ) for sometime now. I am not sure why not but this issue should have been under recall. Additionally, there is a lawsuit against GM in regards to this matter. I have also, reached out to GM Financial in regards to this. This issue is a factory defect. The dealership wants to charge me {$350.00} to repair. Nothing against the dealership that I go to they are amazing, but I should not have to pay for something that is a factory defect ( well known issue with these devices ). I have not been able to properly use my vehicle in moths giving the intermittent functionality of the Cue screen.
Consumer complaint received 2024-04-15
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is in regard following account ; Alleged Creditor : XXXX XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (GA)

I called several times, since XX/XX/14 requesting refund of overpayments on loans ( {$9900.00} total ). Was told several times that this refund would be issued in XXXX business days. It has been almost XXXX  months and refund is yet to be issued.
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

Video consulting services were sold to an individual, who paid for the consultation via PayPal. After receiving the services, user reported to PayPal that he had purchased an XXXX spreadsheet, and that I provided an empty sheet. He fabricated a corresponding text file that wasn't even a spreadsheet to " evidence '' this somehow. He provided absolutely no evidence that a spreadsheet was the product that had been purchased ( it was not ). 

I provided screenshots of the agreement for consultation and of the log that the video call had occurred. I also provided evidence that this was the second time that user had attempted this scheme. The first time, the issue was resolved appropriately with the exception that PayPal permitted the user to continue perpetrating the scheme. This on its own makes PayPal an active participant in the fraud, as they should have known better and actively decided to enable the fraud to continue. 

PayPal disregarded prior behavior, disregarded my evidence, disregarded absence of user 's evidence, and sided with user. No explanation was provided.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (WA)

Summary : Amex express told me false and misguided information about my balance transfer offer before and after, and denied my right to apply for balance transfer during valid time, and they did't honor their previous promise, thus my second balance transfer application was denied. 

I applied for balance transfer of my amex card, and I was told that the balance transfer offer is valid during 60 days after first day of my account opening. My account opening day is XXXX XXXX, 2024, during my first time call and online conversation with Amex customer service, I was told that my card balance transfer offer is valid for 60 days, and my total credit limit for balance transfer is {$7500.00}. I applied for my first balance transfer on XXXX XXXX for {$1500.00}, that makes me {$6000.00} left for balance transfer offer with the valid time, which should ends on XXXX. XXXX. 

But last week XX/XX/2024, when I called Amex and applied for it, I was told I do not have any balance transfer offer, and I have already maxed out my limit. I filed a complaint, and ask them to check my conversation via telephone and online chat with their representative, Amex still said my limit for balance transfer is {$1500.00}. 

I have online conversation details, and I have talked with their representative twice to confirm how much more credit I could apply for balance transfer, I was told that my credit limit was {$7500.00}, and I still have {$6000.00}. Now Amex suddenly told me that I do not have balance transfer available, which should be valid for 60 days, and that my limit is only XXXX. And their internal investigation still hold the same position even I showed them the conversation proof.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (GA)

On my credit report I have a company name FEB/DESTINY, XXXX XXXX XXXX, XXXX, Oregon, that is unknown to me, and it's stating a " Hard Inquiry '' on my credit report. Back in XX/XX/, I was thinking about getting a credit card. But after I read that they require me to pay so much money for it, so I didn't apply for it. I never did the application nor did I ever receive a credit card from them. When I called the phone number listed on my credit report which was ( XXXX ) XXXX, and it was a none working number! Which made me think that this was some kind of SCAM or something! Because I never applied nor did I give anyone permission to use anything about me. But now, it is on my credit report as a Hard Inquiry making my credit report look bad. I think that this is very dirty for companies to try and mess up your credit for NOT being a customer with them!