davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
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. (FL)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: AMERICAN HONDA FINANCE CORP (NC)

After 2 days of going back and forth with XXXX associates at XXXX  Honda about the misrepresentation of availability of vehicles online ; I went into XXXX  Honda dealership on XX/XX/XXXX around XXXX with my husband to purchase a XXXX Honda XXXX Touring that I was told would be available. After I filled out XXXX credit applications online, I was informed that those were not the full credit applications that were required for financing. While going through the application I was also informed that a credit check through the a consumer reporting agency would be done and that was also a required step in obtaining financing. After the credit check and my credit score was below XXXX, I was told I would need a cosigner and I refused. I told XXXX ( sales associate/manager ) that a credit score was not needed to obtain financing and he refused to listen to me. I requested to speak with the financing department and after the same conversation I was told to leave and talk to an attorney because we were not getting anywhere and after filling out the XXXX credit application with XXXX XXXX ( XXXX department associate ) I was unable to get any print out information on who my credit application was sent to.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (TX)

I am writing to formally dispute an inaccurate entry on my credit report, specifically concerning a debt allegedly owed to CCs Collections. The reported balance of {$84.00} in XX/XX/2023 is incorrect, as this debt was resolved with the original creditor, Progressive. 

I had a credit collections account with Progressive for the amount of {$84.00}. Upon renewing my insurance with Progressive, this outstanding balance was paid in full as part of my next insurance plan. The payment to Progressive, clearing the balance, was completed in XX/XX/2023, well before the reported date of the outstanding balance with CCs Collections. 

I have not engaged in any correspondence or made any payments to CCs Collections. When I discovered the erroneous entry on my credit report, I immediately contacted Progressive, and they confirmed that there was no remaining balance on my account and no record of third-party collections.

Despite my efforts to rectify the situation with Progressive, the incorrect information still appears on my credit report. I have followed the recommended steps and disputed the collection entry directly with CCs Collections, given that Progressive has no record of the debt.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

experian is saying the information is coming back verify but when i called the company myself they cant verify me so i not understanding how they verifying so the comapny is giving me payment history in not contract or agreedments so i ask them to removed the debt but they ignoring the fact that i didnt do business with them i rufuse to pay the debt i wasnt legally notify about the debt under 15 U.S 1681 i fair act crediting reporting i have right to privacy 15us1681a these accounts i refuse to pay they violated my account i also send information to experian they saying my docs wasnt acceptable.
Consumer complaint received 2023-12-13
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. (MO)

Experian closed another complaint this morning while notifying me they have responded to 3 more complaints as STILL WORKING ON THE ISSUE how ever the complaint they closed today and all the others they have closed and all these complaints there still working on are all the same which is Experian NOW has stolen 18 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (DC)

I currently serve as an XXXX in the U.S. XXXX. I wanted to bring to your attention to a cancellation of Servicemembers Civil Relief Act ( SCRA ) benefits by Barclays Bank on their XXXX that will likely put many servicemembers in a financial bind, and at the very least is an abuse of those servicemembers ' good faith and trust in Barclays as a financial institution and lender. 

A little over a year ago, I, along with many friends currently in XXXX, opened a Barclays Gold XXXX with an agreement that the SCRA benefits afforded to me would include a 0 % interest rate on both old and new purchases, balance transfers and cash advances ; no fees of any kind, which included waiving the annual fee of {$990.00} each year and charge of {$290.00} for each authorized user ; and no collection efforts. After reading that the waiver of annual fees was withdrawn from the offered benefits on XX/XX/XXXX, I wrote Barclays, on XX/XX/XXXX, to ensure this would not affect me as the terms of my SCRA benefits should apply prior to changes. In an email Barclays assured me that I would maintain these benefits until end of my XXXX period. Today, XX/XX/XXXX, I received a memo stating the annual fee would now be assessed each year, and I will be charged {$1200.00} dollars. I called and talked to Barclays ' management, who had the correspondence on record, and they informed me I would be required to pay this for the next billing period. 

I write this letter not to drone on about my financial burdens, as fortunately I will pay my balance and close the card to avoid yearly charges. I write because I know of countless servicemembers who were deceived by Barclays, offered extremely high credit lines, most in excess of {$25000.00}, with the promise of 0 % APR. When I asked Barclays management, on the phone, if they were aware the bind in which this will likely put countless servicemembers, they responded, " Yes, we are aware they are very upset. '' These servicemembers now face the decision to either pay their balance and close their credit card, possibly putting them in a position of financial hardship, or pay the exorbitant annual fee. I hope you can see why this is an abuse of both servicemembers ' trust and the spirit of the SCRA, which has long provided XXXX and Veterans a piece of mind in making financial decisions. I also hope that those who are XXXX servicemembers were not impacted by this blatant abuse of their trust.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (ID)

Charges from XXXX began appearing on my XXXX credit card. I have since learned that one of the charges may be a subscription. I do not, and have NEVER, had a XXXX subscription that I knowingly signed up for. There have been other, larger charges too. US Bank has been very good at blocking the charges, refunding the charges to my account, and EACH TIME THEY CANCEL MY CREDIT CARD AND REISSUE ANOTHER CARD. This has happened four times. I am now on my 5th card because of this issue. I have spent hours on the phone, in person and on the internet with US Bank and XXXX. I have not been able to crack the XXXX code to find what they are billing me for. You can not resolve this issue on the phone. A recording directs you to their website. You have to have an account number and must sign on with the device you used to set up the account. I have neither of these. US Bank has advised me that when XXXX closes a credit card, they give the new, re-issued credit card number to XXXX and that's why new XXXX charges appear even though I have closed my credit card. US Bank has told me there is nothing else they can do. How can this be cost effective to US Bank. Do they not garner fees from this credit card. How do I get these charges to stop and how can I prevent XXXX from giving out my new credit card number? How many people does XXXX scam like this??
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-04-11
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)

Experian failed to comply with 15 USC 1681s-2 ( b ). Experian is civilly liable under 15 USC 1681 ( n ) ( i ) On XXXX a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Experian failed to conduct a reasonable procedure by their own industry standard of Metro 2. Experian failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported.

Experian failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. Experian failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
In conclusion, Experian has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n Experian is liable for actual damages, {$1000.00} violation and punitive damages.
Consumer complaint received 2023-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (NY)

I paid this debt through XXXX XXXX XXXX XXXX XXXX in 2020. I have receipts proving I did. Because I paid this over XXXX years ago, the charge was less because it had accrued interest. Now the charge has been jacked up and I refuse to not only pay this charge again, but I refuse to overpay. I have been in contact with the former CEO/founder of XXXX. The company no longer exists and has closed, so I am unsure who is even following up on this debt ( that again, was paid ). The CEO didn't know either. 

I have tried to send Ability proof of payment, but every time I do, the emails bounce back as I am only provided with bogus email addresses. XXXX time I spoke with them on the phone and they yelled at me and hung up.
Consumer complaint received 2022-01-17
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. (CA)

I have been patiently waiting on Experian 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : ( XXXX XXXX XXXX XXXX XXXX Date XX/XX/2020, XXXX XXXX  Inquiry Date XX/XX/2020, XXXX XXXX  Inquiry Date XX/XX/2020, XXXX XXXX XXXX Inquiry Date XX/XX/2020 )
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (PA)

i have tried challenging the 100 % accurate reporting of information being reported by XXXX XXXX and equifax for an account that reads that the creditor is XXXX Bank various times ... ..each time they send letters saying that they are reporting accurate information... how is that so i am looking at my credit report as we speak and can see the inaccuracies... all 3 credit bureaus are violating my consumer rights so i am reaching out to you the cfpb for help .... 

this account is reporting 3 different dates of last payment transunion and experian are reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX but if you look at equifaxes 2 year history they are reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active transunion is reporting XX/XX/XXXX XXXX  is reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX this company is reporting this as a charged off account but never send me a copy of a 1099c as required by law...
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-12-13
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

Target RedCard denied a chargeback dispute without contacting the customer for additional details or sharing written notification of their decision upon the completion of their investigation. 

After a return purchase* ( sale value {$240.00} ) got lost in the mail due to the merchant ( Target.com ) providing incorrect postal information, ** the customer contacted Target RedCard ( the card used for the transaction ) to open a dispute. After explaining the situation ( i.e., that the item destination was not input correctly by the merchant and that delivery was at risk due to no fault of the customer ) and providing details over the phone, the customer was not asked anything further during the investigation- nor was the customer allowed to provide any physical proof of the incorrect postal label ( which included details that did not match the physical address of then return facility indicated by Target.com ) to corroborate their claim. 

The dispute claim was closed without notifying the customer and reasoning for claim denial was not shared. Customer suspects that proper due diligence is being ignored in favor of the merchant - and at the risk of customers. 

At minimum, customer would like a chargeback to be issued USD {$240.00} ( the purchase price of the defective item ), and for the dispute to be reopened and properly investigated by Target RedCard as, in this instance, the merchant ( Target.com ) is at fault for any delay or issues with the return shipment. *** Customer would also like notification, in writing, why their claim was originally denied. 

*Note : The reason for the return in the first place was that the item arrived damaged from Target.com . 

**Note : The postal code on the attached label ( XXXX ) does not match the physical zip code for the XXXX XXXX XXXX in XXXX , Indiana . The correct zip code for that physical address in XXXX, Indiana is XXXX. 

***Additional Info : Per Target.coms policies, only Target.com can create return labels forcing customers to rely on their XXXX XXXX staff to input accurate information. Customers have no recourse to recoup losses if incorrect information is input as they can not file Merchant Returns claims directly with carriers.
Consumer complaint received 2023-12-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc. (OK)

Tekcollect repeatedly calls my work number. I explained to them this is my work number and I can not receive calls at this number. I also expressed that I needed a validation/verification of the debt before I would pay it and that they could send me the information to my address they have on file. The individual who I spoke to was very rude and yelled at me that I should " just pay my bills '' and they won't call me. I reiterated that I was requesting a verification of the debt and would like to see the original documents for the debt and the company will not send them to me. They call multiple times a day, sometimes at XXXX or as late as XXXX XXXX. I have stated that this is harassment. When I told them this was my work number they hung up on me. So I called back to tell them and that is when the " gentleman '' yelled at me. The calls are coming in when I am at work. They're leaving messages where others can hear the message ( this is not a secured voicemail and anyone can access this information ). My coworkers now know I have a medical debt because this company is practicing unlawful debt collection practices.
Consumer complaint received 2023-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (MI)

I have spoken with the company ALLY regarding GAP insurance on my vehicle that was deemed a total loss on at least XXXX different occasions. And each occasion I was told that I did not submit the required documentation in order to proceed with the process. After submitting the same documents 8 times, now I am being informed that those documents aren't good enough. I am very frustrated and irritated with this entire process. The company ALLY does not want to pay out bottom line.
Consumer complaint received 2023-12-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (NY)

I closed my XXXX account in early 2023 and went to Att. I tried to return a signal device to turn the week I closed my account. I went to XXXX stores XXXX on XXXX XXXX XXXX ny and XXXX XXXX XXXX ny ny. Both stores would not accept the device nor provide an address to return it. I contacted XXXX XXXX that week and XXXX reps stated would mail the return label but never I never received it. Another rep said I wont receive it because the account is already closed. Another rep said was too late to return it. Another rep told me that she saw my previous calls trying to resolve and she will cancel out the amount for the device and I dont owe anything. Months later I see a collection on my account. No one tried to reach me from collections or via mail. 
Identity theft report filed as this was done without my knowledge.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to express my grave concerns regarding the accuracy of the information contained in my credit report, as maintained by your agency. Pursuant to 15 U.S. Code 1681e ( b ), credit reporting agencies are legally obligated to ensure the accuracy of consumer credit reports. However, despite repeated attempts to rectify wrong and deleted accounts in my credit report, I am deeply disappointed by the failures of your agency in fulfilling this obligation. 

I have diligently pursued the correction of wrong information by providing documented evidence to support the necessary corrections. Despite my efforts, the credit bureausEquifax, Experian, and XXXX persistently failed to take appropriate action. This flagrant disregard for accuracy not only undermines the credibility of the credit reporting system but also directly harms consumers by impeding their access to credit and financial opportunities. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) ( A ), credit reporting agencies are required to conduct reasonable investigations upon receiving disputes regarding the accuracy of information in a consumer 's credit report. However, the investigations conducted by your agency have been grossly inadequate. Instead of diligently investigating and rectifying the inaccuracies as mandated by law, the credit bureaus have routinely dismissed valid disputes without conducting thorough investigations, thereby perpetuating erroneous information on my credit report. 

I hereby demand the immediate removal of the following inaccurate items from my credit report : XXXX XXXX XXXX XXXX {$9800.00} XXXX {$740.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX {$9100.00} XXXX XXXX XXXX XXXXXXXX {$9900.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$360.00} XXXX expect prompt action to rectify these inaccuracies and ensure the integrity of my credit report.
Consumer complaint received 2023-04-11
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX Balance : {$2900.00}.