davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
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: Lending Club Corp (CA)

I fell behind on Lending club account. I understand it is my responsibility to make timely payments. But the reason for this late payment is particular. It was due to the loss of a very close family member. Some of my other creditors were very understanding a choose to not report and retracted their reporting. I was hoping I would be able to get some help.Prior to this was a rated to be a good consumer, with good credit not my credit is under the water do to this late reporting. I have never been late. Always communicated changes etc.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (TX)

To Whom May Concern, I'm very frustrated and very stressful at the moment that can't do anything in my own power to let XXXX XXXX  to removed the Hard inquiry the pull on XX/XX/2023. I have report to Identity theft.gov and CFPB now.. 
To make long story short. I went to XXXX XXXX While back to tried to applied for the XXXX XXXX business credit card called " XXXX XXXX  ". before I applied for XXXX XXXX XXXX credit card I SPICIFICALLY told the person that help me open the business credit card that I heard this business credit card does not require a hard pull on personal credit only through a business EIN tax number only. 
I have my ex-husband XXXX applied for me due to my XXXXXXXX XXXX is not great. From beginning to the end of the process we never gave the our social security number! We only gave them my driver license and my birthdate information. To be Honest. XXXX XXXX XXXXXXXX representative don't even know what she doing and even know if we can apply XXXX XXXX credit card in store or not. 
Anyway, the representative is the one who fill out the application for us but couples time she kept asking for my Social Security number to fill in the spot on the application but my husband told her that WE DO NOT WANT TO USE OUR SOCIAL SECURITY NUMBER AND WE JUST WANT TO USE OUR BUSINESS EIN NUMBER INSTEAD!!!!!!!!!! so we figure the representative get our point that we strictly don't want to use our social security number to ran our personal credit. She took a long time to fill out the application and have a lot a error along the way. The representative didn't even read any of the term and conditions at all like normally you will hear your term and condition after you submit any credit or loan application. After submitted the application it said still pending and will review for 5-7 business day which I think is normal. 
We received the notification that there a hard pull from XXXX Experian XXXX XX/XX/2023. At first I didn't even know which company that hard pull us when we didn't even apply for any credit cards or loan using our personal information recently. Then we found out is from XXXX XXXX XXXX  XXXX I tried to contact XXXX XXXX and ask them what going on and they point finger at XXXX XXXX  is the one who pull my credit. So I contact XXXX XXXX  but nothing is resolves. This is a unauthorize credit pull and Fraud activity that need to take off my account ASAP!!! Sorry, I'm really upsetting right now because of this hard inquiry I have stop the process of refinancing my home and it can causing my whole family to live out on the street soon if this problem is not fix ASAP.

According 15 U.S.C 1681 section 602 A. 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.. I have evidence to prove my case.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Experian Information Solutions Inc. (TX)

In accordance with The Fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, States I have the right to privacy. 15 USC section 604a section 2 it also States that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-18
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. (MD)

I had a regular checking account with XXXX XXXX XXXX. I was made aware that there were some overdrafts on the account due to some minor charges and bank fees being charged several times. I got a holed of my credit report in XX/XX/2019 and notice that XXXX XXXX XXXX had report the account as a charged off from revolving account, this after the account was paid full. I've had overdrafts at other banks and financial institution and was able settle them with no farther actions being takin. With no calls or any written notice to collect a debt XXXX reported this collection account as account charged with late payments to all three major credit bureaus agencies. I have written to XXXX XXXX XXXX to validate the debt as required by the Federal Trade Commission under Fair Debt Collection Practices Act. The letter was received on by XXXX on XXXX as shown on the returned U.S.P.S. receipt. XXXX XXXX XXXX as not respond to letter and continues to furnish inaccurate and misleading information on my credit report for over five year causing harm to my credit worthiness.
Consumer complaint received 2023-06-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Date XXXX XXXX This account credit acceptance corp are reporting on my credit profile is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-08
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. (PA)

I called XXXX as well as Experian to dispute a number of hard enquiries that I did not authorize and have no knowledge of. I was told on two seperate occasions that the enquries would be removed and that I would receive email notification of the deletions. Nothing has happened as of yet. I informed them both that I was actually in XXXX at the time of most of these enquiries. I recently lost all personal documents in a house fire, so exact dates of these calls can not be given.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IA)

XXXX I was assessed a late fee the day after paying off my account. 

XXXX? We made a purchase at Lowes. 

XX/XX/XXXX I received my statement showing {$55.00} due XXXX XX/XX/XXXX I received a notice that my payment was past due. I called and they did remove the fee from the account balance, but did not remove it from the minimum due. There was {$44.00} due XXXX of which {$28.00} was the late fee. Even though they waived the fee, they told me I still had to pay the late fee. When I asked the collections manager to explain their payment allocation, he could only tell me it was applied to the balance. He could not explain to in what order it is applied to principal interest and fee. I feel this is the banks way of waiving an assessed fee yet still profiting from it by not removing it from the payment due.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2023-11-08
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. (NJ)

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.

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 inructions 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 2024-04-12
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. (IL)

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 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to request the removal of an account from my credit report with XXXX and Transunion. I have recently discovered that this account has been successfully removed from my credit report with XXXX Information Services, as evidenced by the attached documentation. 

Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Collection Account Date : XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Collection Account Date : XXXX XXXX XXXX  It is imperative that XXXX and Transunion update my credit report accordingly to reflect this accurate information. The presence of this account on my credit report is misleading and can negatively impact my creditworthiness.
Consumer complaint received 2023-08-03
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: CL Holdings LLC (PA)

CEASE AND DESIT XXXX XXXX XXXX XXXX to a willing person, it is not a wrong XXXX company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You XXXX knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXXXXXX XXXX XXXX  XXXX Delete this alleged debt from your database and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Consumer complaint received 2018-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

Started repayment XX/XX/2018. 

XXXX-18 ACH Withdrawl Payment of {$170.00} made. 

XXXX-18 credit via Direct Deposit to my checking account XXXX for {$170.00} Complaint is Navient is returning my monthly payment for no reason and with no explanation. They are not notifying me why they refunded a valid payment without my knowledge. 

Violating my FCRA rights and banking law by doing this.
Consumer complaint received 2023-11-08
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: Experian Information Solutions Inc. (NC)

I am filing this complaint against Experian for failing to properly investigate and remove fraudulent accounts from my credit report despite multiple attempts and providing sufficient documentation to support my claims, including a police report for identity theft. 
Details : * Initial Dispute : * Sent : XX/XX/2023 * Received by Experian : XX/XX/2023 * Disputed Accounts : XXXX XXXX, XXXX XXXX XXXX, and ACHIEVE PERSONAL LOANS ( detailed as fraudulent ). 
* Experian 's First Response : * Dated : XX/XX/2023 * Content : Generic response questioning the authenticity of my dispute and providing no substantive action on the reported fraud. 
* My Follow-Up : * Sent : XX/XX/2023 * Received by Experian : XX/XX/2023 * Content : Expressing frustration with the lack of action and demanding an investigation as per the FCRA regulations. 
* Second Experian Response : * Dated : XX/XX/2023 * Content : Identical to the first response, neglecting to acknowledge my specific dispute or the evidence provided, and not taking the required action to investigate or remove the fraudulent items. 
In both cases I provided my Drivers Licenses, Utility Bill, Police Report, Identity theft report Violations : * Failure to Act : Experian has not taken action within the FCRAs stipulated 30-day investigation period.

* Non-Compliance with FCRA 605B : Experian failed to block the fraudulent information within four business days following the acceptance of my identity theft report and supporting documents. 
* Generic Responses : Experian has only provided generic responses, ignoring my direct communications and documented evidence of identity theft. 
Impact : This inaction by Experian has left fraudulent information on my credit report, affecting my financial standing and causing significant distress and potential financial harm.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (FL)

I just got the final result for complaint XXXX XXXX This company is very good at what they do. I was told ( as I have multiple cards ) that when they verify my ID they will unblock both cards. Well her I am over XXXX months into this and they want me to send them the same exact copy of what I just sent them and they used to verify my before they unblock my other card. I asked them why they couldnt just use the copy they already have ( a company with some intelligence would have just unblocked all cards upon verification ) I could barely understand her response. Just that I had to send it again!!! Is there a law against this absolute stupidity like harassment or something? Just for the record the limit on both cards combined is {$1000.00} so its not like Im trying to ruin them, and the activity on the other one that was suspicious was that it was paid off. I hope something can be done about this kind of treatment to customers. These XXXX cards are destiny cards! I have a total of XXXX cards through XXXX credit but only the destinys are a problem. I really hope these complaints are a bad thing for the company. Im also going to report them to the XXXX  and any other agency I can think of!! Im screwed either way, if I dont send the id theyll close my acct. and its bad on my credit report.
Consumer complaint received 2023-11-08
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 am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an ongoing issue with the accuracy and consistency of information reported by Experian on my credit report. The problematic account in question is identified as XXXX XXXX  '' with the account number XXXX. 
I have previously disputed this account twice with Experian, once on XX/XX/2023, and again on XX/XX/2023. Each time, the dispute resulted in a verification of the account 's accuracy, despite my assertion that the reported data is inconsistent and inaccurate. 
The key issue I wish to bring to your attention is the account 's persistent inconsistencies in reporting, particularly in terms of its payment history. It is my belief that the data being reported for this account does not adhere to the requirements outlined in the Fair Credit Reporting Act ( FCRA ). 
I have included with this complaint two copies of each dispute result for your reference, with dates clearly indicating that Experian has verified the inaccuracies and inconsistencies in reporting. Additionally, I have circled the inaccuracies on a copy of my credit report to illustrate the discrepancies in reporting.

As a conscientious consumer, I understand the importance of accurate and consistent credit reporting.
Consumer complaint received 2023-11-08
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 reporting these 4 accounts on my report inaccurately. Accounts can not be reported without a status nor without a payment history. I have also provided a copy of my credit report where they are also reporting this misleading information.
Consumer complaint received 2017-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Glass Mountain Capital, LLC (UT)

I began receiving calls from an unknown number which of course I do not answer. It apparently appears to be a collection agency as I believe I 've gotten voicemails. On  XXXX / XXXX /  XXXX   I received a call from a similar number but la st 4 digits  slightly different (  XXXX  ) and was waiting for a voicemail to identify who it was. It was a  3 sec ond message of a man saying "   XXXX   XXXX   XXXX   XXXX    ''. This m orning I received a text message from  XXXX  asking " is this ______ ''. I feel it 's clearly an illegal attempt to have me respond in order to get me to call and collect a debt I do not believe is accurate. I understand that it 's illegal for them to send texts or emails that trick or harass you into contacting them so they can collect money. By law, de bt collectors have to tell you who they are, no matter how they contact you.
Consumer complaint received 2024-05-14
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. (NJ)

My Identity has been stolen back in XXXX and ever since that incident happened i seem to get scammed a lot. The following items are fraudulent inquiries on my Experian Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
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. (NJ)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX, # XXXX Account name : XXXX XXXX XXXX Account name : U.S. DEPARTMENT OF EDUCATION, # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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