davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (GA)

On XXXX XXXX, I made a sizeable payment to American Express and I booked upcoming travel, putting the flights on the card. Although I still had room on the card, the sizeable payment should have also more than covered the expense. I wanted points. On XXXX XXXX, the payment was posted. On XXXX XXXX, the flights were posted. The payment I made is not being reflected on my balance, I am now {$69.00} over my limit and have had valid purchases declined because my balance is showing without that payment. I called AmEx on XXXX XXXX, noticing the discrepancy. They agreed that my balance was incorrect and I should have at least {$2100.00} of usable credit. I was instructed to wait 24 hours to see the balance update, but wanted to use the card to book more travel that day so AmEx " fixed '' it right then. It is now the XXXX. The card has reverted back to the overdrawn balance. Things that should easily clear are being returned.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

These inquires are unauthorized and they are not related to any transactions by me XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NV)

Chase Bank I deposited a check into my account. The check went thru there standard hold time and clears. Chase then put a hold on my account froze it proceeded to close the account and told me they could hold my money up to 10 years before they have to send it to the state. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: American Credit Acceptance, LLC (MI)

American Credit Acceptance violated federal law by denying me credit which is discrimination. With the letter provided to me they mention their decision based on consumer reports submitted by XXXX. XXXX does not have my permission to be using my intellectual property or furnishing information about me. My household needs a vehicle and I was denied credit due to damaging reports from XXXX
Consumer complaint received 2024-01-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (GA)

Spring Oaks Capital reported a collection debt of {$1100.00}, but I never received a check. It does appear on my XXXX credit report opened date XX/XX/2023, reporting a high balance of {$1100.00}
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MI)

I received a email alerting me that applications was submitted to jpmcb but was block do to a credit freeze. I didnt fill out an application nor did I give any one permission to on my behalf. I contacted XXXX right away to notify them I didnt submit any credit application today. I was then told to call chase to alert them that this application was file fraudulent. I called chase application department at ( XXXX ) XXXX in which the rep said had ask to provide my ssn and name. Upon looking she locate the application and flag it as fraud I request a copy of the application to file with my police she told I would have to follow the step in chase identity theft kit to be able to obtain a copy of. In which she ask for my address to mail out the theft kit and also told me that a letter would be sent over to the credit to remove and inquire from this.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2018-05-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (OH)

Today I received a package of information from this company supposedly in response to a CFPB complaint I filed. I filed the complaint because I never received any communication from them either by phone or by mail so I was therefore not given an opportunity to dispute the validity of the debt. I do not recognize the debt and have never heard of this company. I have addressed this with them before and they refuse to give me an answer. In addition, this company has been reporting this account to credit bureaus as a delinquent monthly installment account even though it's not and I've never had any account or contract with them. They also refuse to acknowledge this. 

Additionally, I have asked several times for certain specific items of paperwork that they have refused to provide. 

The most recent letter said they " verified '' the debt by verifying it with a law firm. I also have no affiliation with this firm. The only option they give me for contact is to speak to an attorney at this firm. This is obviously inappropriate.
Consumer complaint received 2023-10-11
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. (NJ)

XXXX XXXX  has had my account suppressed by transunion. XXXX XXXX XXXX XXXXXXXX has inaccurately verified my account to be fraudulent causing it to be suppressed and not appear on my credit file. I have spoken to transunion and I was told the XXXXXXXX XXXX XXXX services has to submit a reinsertion procedure to have it reappear on my credit file. After speaking with XXXX XXXX XXXX XXXX XXXX services they are unaware of this procedure and told me that transunion is giving me the run around. I have had the account open over 2 years in good standing. I have spent months trying to get this situation rectified. Every credit reporting agency is reporting this account besides transunion. I was told that XXXX XXXX XXXX XXXX XXXX marketing team could start the reinsertion process to have this account put back into my credit file. I havent had any luck with this and Im hoping something can be done without legal action. This is unfair and inaccurate credit reporting.
Consumer complaint received 2024-01-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (GA)

XXXX XXXX XXXX reported a collection debt of {$1100.00}, but I never received a check. It does appear on my XXXX credit report opened date XX/XX/2023, reporting a high balance of {$1100.00}
Consumer complaint received 2022-02-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

n XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (TN)

Fortiva is reporting me late in XXXX on credit report. Payment was made for XXXX, XXXX and XXXX XXXX statement just came out XX/XX/XXXX, payment due XXXX, paid on XX/XX/XXXX. Need credit report corrected and put back to not late and pays as agreed.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

Subject : Urgent Request for Removal of Unauthorized and Unverifiable Item from Credit Report - Reference to Federal and Georgia State Laws Dear Caine & Weiner, I am writing to express my deep concern regarding the unauthorized reporting of items on my credit report by your agency. I have never provided consent for Caine & Weiner to access my credit report, and this infringement on my privacy raises serious concerns of identity fraud. 

I want to emphasize that even in cases of permissible purpose, the consumer 's consent is paramount, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( B ). Additionally, Georgia state law, under Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ), requires consumer consent for such activities. 

I have not granted permission for the inclusion of this item within my consumer profile, rendering the reported item unverifiable. 

I demand the immediate removal of this unauthorized and unverifiable item from my credit report, in accordance with FCRA Section 611 ( a ) ( 1 ) ( A ) and relevant Georgia state laws. I assert my right to have this matter resolved within 30 days from the receipt of this complaint, as mandated by FCRA Section 611 ( a ) ( 1 ) ( A ) ( i ) and corresponding Georgia statutes. Failure to comply within this timeframe will be considered willful noncompliance, in violation of FCRA Section 616 and Georgia state law.

Additionally, I request that Caine & Weiner provide a written document from me, the consumer, that explicitly grants permission for your agency to access my consumer profile, as required by FCRA Section 604 ( a ) ( 2 ) ( A ) and Georgia law. 

This document should be submitted promptly. I trust that you will address this matter with the urgency and seriousness it deserves, in compliance with both federal and Georgia state laws. I appreciate your prompt attention to this issue and expect a resolution within the stipulated timeframe. 

Done in good faith.
Consumer complaint received 2022-12-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (PA)

I moved out of my old apartment ( TXXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, MD ) on XX/XX/XXXX, and did the walk thru on XX/XX/20. I received an email from the leasing company XXXX XXXX XXXX XXXX XXXX in XXXX, stating I owed {$200.00} for damages. The email did not indicate how to pay this amount. 

Ive never received any other correspondence about this amount, via email, regular mail, or voicemail. I checked my credit report this week and found that this debt was referred to a collections agency in XXXX and now affects my credit. I have not received any correspondence from the collections agency.
Consumer complaint received 2023-10-02
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: EQUIFAX, INC. (DE)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Certegy Holdings, LLC (WI)

XX/XX/XXXX, I wrote a check to XXXX XXXX XXXX Wisconsin for {$57.00}. In doing their check certifying via the Certegy Company. The check would not go through because the machine was down. Normally returning the check to me, this time they asked I write it out, because the machine did not work. In doing this, they electronically collected {$57.00} on the XXXX, then again took claim to {$57.00} in the form of a paper check. I did not know this until we saw on the bank print out the first week of XXXX, when our check from our XXXX checking account was denied. Our banker called Certegy to explain that they need stop the process or inquire on it. Our bank saw the issue as we disputed it. Returned our money to us. even though our checking account, had money, our checks are no longer excepted. Contacted district manager, he fired the manager who did this after inquiring in the banking logs. Offered to return our moneys, yet that they now owe to our bank. However, we then received a letter from a collection agency XXXX  XXXX XXXX, out of Tennesee,. stating we owe {$57.00} destroyed our credit and we did not a thing wrong. We live in a rural area, and many use the Certegy service. which makes it impossible to use our checks. We need our credit restored.
Consumer complaint received 2018-10-19
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (GA)

Call log dates XX/XX/18 XX/XX/18 My loan was transferred to a new mortgage company less than a month after the closing Closed on XX/XX/18 Transferred on XX/XX/18 payments started with new mortgage XX/XX/18 my first payment was made to mortgage company I closed with - XXXX payment My credit report has 2 mortgage companies for the same loan amount. After multiple calls on XX/XX/XXXX & XX/XX/18 ( at least 6 call between both mortgage companies ) Shellpoint found the info that my loan was transferred however I now have a late payment for the month of XXXX on my credit report with Shellpoint after I was told there's a 60 day waiver. As of XX/XX/2018 my credit dropped -54 points for late payment that was made on time to the new mortgage company Loanserving. 

I Info was emailed to Shellpoint at XXXX and called in at XXXX
Consumer complaint received 2016-11-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (TX)

I financed a vehicle through American Honda Financial Services. I feel they are very discriminatory towards minorities my race XXXX. A XXXX supervisor that I spoke to would not provide me the opportunity to explain my situtaion and refused " I explained to her I felt like they were discriminatory via-phone conversation. I fell behind on XXXX payments due to my grand babies death and child 's burial expenses as I stated in several conversations. I also advised her I would provide documentation. Payments are due the XXXX of every month ; however my last payment was XX/XX/2016 and I was going to make a additional payment by XX/XX/2016. American Honda repo my vehicle before I could even discuss my account. A couple of weeks pass and I received a letter from XX/XX/2016 from your office in a settlement agreement. In which is how I feel with this company I will never use again as a minority I feel American Honda provides unfair practices towards minorities. Furthermore, I was able to pay off the loan. My bank contacted American Honda and was advised they would release the vehicle verbally. I also contacted American Honda and was advised the same thing. American Honda mentioned they would release the vehicle after a couple of days the tow company said they had not released vehicle so once again I contacted American Honda and they mentioned they needed the check in their office in order to release the vehicle. " My question why did n't they explain that to my bank and or me the first time we contacted American Honda. Now I accrued more fees with the towing company.
Consumer complaint received 2022-02-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Update this account to paid as agreed/never late because I paid on time. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Ensuring prompt payments on this account has been my priority, never allowing them to lapse. The presence of late payment remarks on my accounts leaves me uncertain. Under 15 USC 1666b - Billing Error, corrective measures are called for.