davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
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. (FL)

XXXX, Experian, & XXXX continue to report late payments on the account listed as XXXX XXXX. 

XXXX is reporting late payments in the XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments are not accurate and can not report XXXX different ways. Furthermore you have provided me with no evidence that proves you did a reasonable investigation into my concerns. Provide me with the documents you used to determine I was indeed late.
Consumer complaint received 2023-03-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (OH)

While my complaint doesn't 'fit ' exactly within the parameters of the fields I 'chose ' for this complaint, I believe that it would still fall under the purview of the CFPB. 
In XXXX of last year, i.e., 2022, I closed accounts with Ally Bank. I earned more than {$10.00} in interest combined between my checking and savings accounts they should have sent out by XX/XX/XXXX a 1099-INT. I waited until XX/XX/XXXX to contact their customer service line knowing that forms can be delayed on the receiving side. When I spoke to the customer representative I explained that while my accounts were active, I could have downloaded the forms I needed online but now that the accounts were closed I could not and had not yet received the 1099-INT. The representative spoke with a supervisor who indicated they would have to 'manually " generate the form and I should receive it within 7-10 business days. They provided me with case # XXXX. The 10 days 'receipt ' period expired on XX/XX/XXXX and as of yesterday, XX/XX/XXXX, I still have not received my 1099-INT. This is preventing me from accurately completing my 2022 tax filing. 
I also wonder that if this happened to me, then how many other former customers at Ally have not received their 1099-INTs and whether or not those interest dividends have been reported correctly to the IRS. This is very concerning to me personally but also as a tax payer.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

https : //usa.experian.com/  reduced my credit score by 20 points for no reason and keeps it low, while on another credit cards the score is high, for example, XXXX XXXXXXXX credit card  my score by XX/XX/2020 is XXXX points, but at Experian only XXXX. How to understand this and what it is? They constantly underestimate the score!
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2024-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (DE)

Is the US DEPARTMENT of Education XXXX? 

WHY do I KEEP receiving these assenine e-mails AFTER payments post to my AidVantage account? 

See attached documents for further information.
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : 1. XXXX XXXX XXXX 2. XXXX  XXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX XXXX XXXX 5. XXXX  XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-04
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Global Lending Services LLC (AR)

I XXXX XXXX did an application in good faith and extended my credit under the impression that I would leave XXXX XXXX car lot with a car. 
Global lending was the bank that pre-approved me for said loan. 
Once the car salesmen XXXX came back to me after submitted my application, he stated that they would need a down payment of $ XXXX {$1000.00}. 
But the XXXX advertisement that XXXX XXXX posted on said nothing about a down payment. The false Ad stated they could put you in a car no matter what XXXX down if not then they'll pay you {$500.00} if they couldn't. So, I left the lot due to him asking for a down payment. Once I made it home, I called global Lending Services and spoke with a few people. I needed my application number. I went back to the dealership to get my application number. The owner XXXX XXXX gave me the run around about my application. We proceeded into a conversation i stated that they were in fact breaking the law. Once I made it back home, I called Global Lending again. The down payment had drastically changed to {$8000.00}. The last person I spoke with stated that I did in fact get an approval for {$20000.00} but also stated that Global Lending did not in fact require a down payment of {$8000.00}. He stated that the dealership was asking for said down payment. My Question is where is my CAR!!! Due to the fact that I extended my credit in good faith and received nothing from it is a VIOLATION of my consumer rights due to the fact that my credit alone is in fact my payment. From my understanding the dealership can not charge extra fees during a CREDIT TRANSACTION. I have not received any benefit and this is an issue that needs to be fixed immediately. 
They also never received my consent to pull my consumer report that is only for criminal background reporting anyway.
Consumer complaint received 2024-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AR Resources, Inc. (PA)

AR resource is trying to collect a Debt that I do not owe from XXXX XXXX the Debt was XXXX from the hospital however, every day refused to take it out from my credit I contacted the hospital. They don't have any record of me owing this bill, and I have been trying numerous time to remove it from my credit report, but every attempt failed. 
I need them to show proof that I owe this bill as today 's date
Consumer complaint received 2023-10-10
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-10
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)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Recently I pulled my credit report it was also was sent a credit report by TransUnion The report number for the credit Report # Is ( XXXX ) date issue was XXXX. Transunion, XXXX XXXX late payment XX/XX/XXXX, XXXX XXXX XXXX late payment XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- are violating my consumer rights by reporting late payments for the that they have not proved to be verified as accurate. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. I have posted the date associated with these late payments next to the name of the creditor. Once again I have always ensured that payments on this accounts above are made and were made on time, never allowing them to become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.Company information
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XXXX XXXX, I made a payment in the amount of {$75.00} And had available credit of {$48.00} and had rewards points {$13.00} that as of XX/XX/year> have disappeared and have made {$1000.00} in payments this month and have been overcharged in interest my {$75.00} not added to my available credit and {$48.00} available credit is gone and rewards. 

Payment was made XX/XX/XXXX bot XX/XX/XXXX and my funds have not been applied before the billing cycle which should have gone toward my available balance.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

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. 

Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-04
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. (FL)

I have submitted multiple disputes and FTC report regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX Student loans Total balance : {$16000.00} DEPT OF EDUCATION/XXXX XXXXXXXX {$9000.00} Balance updated XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX {$7800.00} Balance updated XX/XX/XXXX XXXX Total balance : {$490.00} XXXX XXXX XXXXXXXX Original creditor XXXXXXXX XXXX Balance {$490.00} Balance updated XXXX XXXX XXXX  Credit cards or credit lines Total balance : {$0.00} XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$3300.00} Balance updated XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio finance I set up payment arrangements, and they have taken funds from my account. 
i have called them for 2 months, was told they would close court case. They never sent the attorney docs for me to sign. 
They are taking me to court even though they are already taking payments from my bank account. 
I've called them several times, asked for manager to call and asked for attorney to call. they never have and my court date is today.
Consumer complaint received 2023-11-12
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. (GA)

I have reached out several times to this company and filed a dispute about this account. I have never lived here nor signed a lease agreement to this property. I have always lived at one address in XXXX, Georgia. This company has failed to comply with me as a consumer protecting my credit profile. In fact they are in huge violation of the FCRA and CFPB. I have informed them numerous times of the violation but instead they send stall letters, re-age the account by updating the date of last activity in hopes of keeping negative information on my profile. They have never provided me with proof or anything. I have been a victim of identity theft and they can retrieve the police report and FTC Report which is linked to my credit profile. This is a nightmare and I ask you please to remove this from my profile. When I spoke with Equifax they said they didnt care if I file a complaint with you guys because CFPB does no t matter and the rep hung up the phone on me. I ask you please to have this removed.
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IN)

XXXXt/Convergent collections state that I owe {$280.00}. This amount has changed every time I have disputed their claim. Over the past 5 years, the amount has changed from approximately {$700.00} to now {$280.00}. Phone calls from the company are demanding that I just pay the amount or the rude calls will not stop. This has been going on for years. I have contacted the company to dispute these charges and it seems to get passed on to several different collection agencies. I filed bankruptcy 3 years ago and this was not listed on my credit report ( it  would have been included ) This is not my debt.I owe XXXX absolutely nothing. There are no records, contracts or otherwise. I have requested whatever proof they claim to have several times and it has not been provided and the overly rude " people '' they have calling is becoming overwhelmingly stressful
Consumer complaint received 2024-05-15
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. (NV)

My loans were part of XXXXXXXX XXXX XXXXXXXX. Ive provided legal documentation several times indicating the trade line needs to be removed completely per the settlement agreement, theyre refusing to do so, my score dropped XXXX points since my loans got XXXX.
Consumer complaint received 2023-11-12
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (NC)

I have previously made a request for validation and your response, or lack of response does not comply with its closure requirements set forth by the Fair Debt Collection Practice Act. You have not provided me with any evidence to establish that I owe you any money. Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim. I owe you nothing. I now have evidence that you are creating a frivolous lawsuit.
Consumer complaint received 2023-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I noticed that several international transactions had occurred within a 3-day span of a new account that was just opened less than a month beforehand. The response I got was that there was no sign of fraud because after I called the card in stolen no one tried to use it. Whoever stole my backpack got all my information hacked into everything of mine XXXX Bank mobile and stole from all of my accounts Wells Fargo is the only one that is denied my claim and then went ahead and closed my accounts After further review the services or items attched to the charge i have no knowledge of and never received anything from any of them. There are 39 international transactions from XX/XX/XXXX to XX/XX/XXXX Here are the merchandisers and transactions that were unauthorized from : XXXX XXXX XXXX : XXXX XXXXXXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Phone Internet XXXX. XX/XX/XXXX. {$110.00} XXXX. XX/XX/XXXX. {$74.00} {$180.00} total amount was {$2800.00} since I was a brand new account holder they had no idea what my spending habits or what I spent money on there for these transactions should have been flagged from the very beginning. international transactions every single one of them and they do not want to refund my money they closed my account and told me to go kick rocks.