davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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. (AL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One has been charging me a monthly late fee for over a year, even when I make my monthly payment on or before the due date of the XXXX of each month. 

They also assessed me a random {$1.00} fee after I made my most recent payment, without explanation.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DON'T RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (NC)

On XX/XX/2023 the Consumer sent a Notice via U.S. Certified Mail return receipt request to rescind the security interest agreement that was obtained with deceptive language and forms by the Corporation listed in this complaint. This is a reconfirmation notice to the Corporation of the notice to rescind the security interest agreement. The 20-day process as required pursuant to the CFPB began when the company received the notice last week.
Consumer complaint received 2022-12-05
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. (OH)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC (NC)

I have contacted TOTAL VISA/XXXX and asked for verification of debt documents specifically the signed contract agreement showing my signature to verify this debt. I have not received any documents about this matter in more than 30 days.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-04-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (IL)

XXXX XXXXe keep calling and trying to get money from clients other then car loans my car was repo I had got the vehicle back but they trying to charge me for a repo fee when I had to pay a repo fee in order to get the car back. They always calling in my consumer laws it states 15 U.S. Code 1692g - Validation of debts and as well as 15 U.S. Code 1692d - Harassment or abuse. Violates are rights in regards to the company and not only that 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Notice that Pursuant to 15 U.S. Code 1635 ( b ). In addition, I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of { {$3500.00} } was needed in order to drive off of the lot. Pursuant to 15 usc 1605 a finance charge is the sum of all charges.
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

For well over 30 years I have been a client of JP Morgan Chase Bank. I am very frustrated that they have not adequately resolved the problem I have with stolen funds from my account. Two times within a week thieves went into my account and removed more than {$600.00} each time. I was happy that Chase Bank did promptly replace the funds both times, but the second time, Chase went into my checking account and took back the second amount of money sent to me. This was done without notice beforehand. It was clearly evident that those responsible for this crime did this illegally ( each time only {$49.00} was removed, but this was done, something like12 times each time. Until I had no more money in my account. Please, I beg you to look into this matter. My account with Chase Bank is now closed. I fear opening another account, not just with Chase but any bank where characters can easily get into your account and take what they want. It would have been better to have kept my money at home under my pillow. It is not just the money I am missing, but the hurt of not knowing how this is done. Let me inform you of a few details in this matter. Not too long ago. I received a letter from an employee of Chase Bank, named XXXX, XXXX, Branch Complaint Escalation group. Stating that " we'll stop contacting you about your recent concern ". We have not been able to reach you. I do not know if this is true or not. But I received nothing, but this letter and a notice that my claim was denied.. My closed acc # XXXX The case number listed was XXXX Incidentally, the Telephone number of XXXX is XXXX ext XXXX have tried calling her at least XXXX or more times and the only response I get is " out of office ". She would not respond to my voicemail either.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (ID)

Round Point Mortgage LLC assumed servicing of our loan XX/XX/2023. At that time I had a perfect payment history. Despite making my payment to Round Point LLC each of the subsequent months since, they have continued to report foreclosure started each month to XXXX. Each month I have had to contact them and file a dispute with XXXX. This is the 3rd consecutive month they have falsely reported my home in foreclosure. Their negligence in accurately reporting our mortgage as an open, active, current, and never delinquent has caused my and my wifes credit scores to drop damaging our good credit. 
See attached files. Round Point states this is an issue they are having with XXXX.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I recently reviewed my credit report and noticed that there was an account error showing that there was a late payment on my account when this account has never been paid late and has always been paid as agreed. 

The payment for XXXX XXXX XXXX XXXX  2023 should be updated to " paid as agreed and never late ''.
Consumer complaint received 2017-05-10
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. (IL)

I have had the same problem occur for the la st two  months. Collection agency  XXXX   XXXX  has repeatedly added an account on my credit report with incorrect statuses, balances etc. Even after having the account deleted, they add it back with more incorrect data every month causing a large reduction in my credit scores for Experian and  XXXX . Then afterwards it gets removed again only for it to show up again dropping my credit scores without prior notice or with correct data. I have called the credit bureaus and  XXXX   XXXX  concerning this issue and they are unwilling to fix the problem. This account has been removed and should not be added every month.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MO)

CREDIT ACCEPTANCE CORPOR is the XXXX {$28000.00} Original balance {$19000.00} that XXXX XXXX AND XXXX are violating my rights It it's illegal to report transaction history according to the Privacy Act of 1974 an the fair credit report act 15 USC 1681 they did not have my consent to report.

this account is reporting inaccurate within all three bureaus 15 USC 1681 IT IS ALSO ILLEGAL TO REPORT TRANSACTION HISTORY AND ALL THREE Reporting agency are doing so this account with credit acceptance needs to be shown paid as agreed since it is illegal to report transaction history this is my person information nonpublic personal information. 
( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such a term does not include publicly available information, as such a term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. 
THESE COMPANIES ARE IN VIOLATIONS OF MY RIGHTS EVERY TIME THEY FURNISH A TRANSACTION REPORT
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/2023 i requested a debt validation letter also with accurate dates. This company has failed to reach out and also failed to give me validated paperwork concerning a debt. I demand for this to be removed from my credit report, under the 15USC 1681
Consumer complaint received 2023-12-17
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX ( an online jeweler ) allowed me to finance a purchase. After the purchase the account was sent to Comenity bank. 

I requested a statement showing the account information on my status of paying it down. They have told me two times that they will mail the documentation, I confirmed my current mailing address about two months ago.

Ive never received anything and they just tell me to pay the account. 

I want to see what Ive paid, what I owe. Im beginning to think they dont have those details and are just threatening to mark my credit reports if I dont keep making payments. Its been about two years now.
Consumer complaint received 2023-12-17
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: Upgrade, Inc. (IL)

I have reached out to Upgrade 3 times asking why have they not update my balances. I have XXXX active accounts with them and they are the only ones who have not updates since XXXX. My balances are significantly lower and im in the process of the first step of home buying its causing my score to drop, it makes it look closed because they do not provide usage and the balance owed is way up. For instance XXXX upgrade card limit is XXXX I paid them down to XXXX my report it shows XXXX limit and my balance is XXXX meaning im way over my balance! With over the limit.on another upgrade card limit XXXX its says my balance is XXXX! My balance is XXXX. I have XXXX loans with them XXXX loan says XXXX and I owe XXXX and another loan shows XXXX and im down to XXXX. These things make me look bad and cause damage to my report and does not help me. I disputed it with upgrade several times they blame the credit reporting people. I complain to experien I pay them {$25.00} a month and the disputes leads me to the same place! No one is truly investigating or helping. I even uploaded my statements yet no resolution
Consumer complaint received 2024-03-22
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. (OH)

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.
Consumer complaint received 2023-12-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (GA)

I have a couple loans I've set up through Affirm over the years and have always made payments on time and never had an issue. Back in XXXX my identity was stolen and the hackers were able to take a loan out for over {$1800.00}. I have called Affirm multiple times and spoken to multiple people and have received multiple case ID 's. I wait for a response and never get one so I call and give the case ID and they always say they cant find it and I have to start all over. I need this loan to be taken off and I don't have access to my account to make payments on the ones I did authorize. No one is helping XXXX and I never get any further information once a case ID is given to me.
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (NV)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/2023 Barclays closed all my credit card accounts without my knowledge. On XX/XX/2023 I received 4 letters on the mail detailing these closings. I never agreed to this and would like my accounts reinstated.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (CA)

I do not have knowledge of these inquiries made on my report. I had I had my identity stolen since XXXX without my knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-16
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: General Motors Financial Company, Inc. (CA)

In XX/XX/XXXX, I leased a XXXXXXXX XXXX XXXXXXXX. At this time, I signed up for automatic payments. 

In XX/XX/XXXX, the lease amount changed due to from what I understand as taxes, without notification and GM Financial unenrolled me from automatic payments. 

In XX/XX/XXXX, I called GM and paid the XXXX payment on XX/XX/XXXXXXXX XXXX XXXX  and reenrolled in automatic payments. At this time, GM verified I was reenrolled in automatic payments. The next month, GM again unenrolled me from automatic payment without notification. On XX/XX/XXXX, I called GM and discovered they added late fees and late payments to my record. At this time, I paid off the entirety and again reenrolled in automatic payments. 

At the end of XXXXXXXX GM submitted this to the credit bureau and my credit score significantly dropped, as well as my 100 % on-time payment. 

I contacted GM about this and submitted a dispute on XX/XX/XXXXXXXX  However, it went unanswered. 

Please help me.
Consumer complaint received 2020-07-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (FL)

Medical bills from XXXX XXXX stop coming in for XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, I assume bill was paid by insurance company due to no statements was received of balance owed.I was checking my credit report in XX/XX/XXXX and found collection company on my report, I have no never hear of this company nor have they reached out to me via phone call or mail my phone number my address have not changed. I call the hospital made agreement to make monthly payments over the phone I have been making monthly payments on line each month to the hospital and not the collection company, payments was made in XXXX, XXXX, XXXX, XXXX and XXXX. The collection company is showing no payment for XXXX, XXXX, XXXX, XXXX & XXXX, My account was turned over to collection, but XXXX XXXX stop sending monthly statements and the collection agency never contact me. Wow what a way to mess up a person credit. no contact with customer they just added a claim to my credit report faulty. I have wrote several letters to the credit report companies trying to stop the collection nothing has happen I need your help please!!!
Consumer complaint received 2023-12-16
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. (SC)

All credit agencies have absolutely XXXX reason to help or fix an individuals credit report. Why would they care? They are looking for fraud, scams, and Companies to help. They lower your score is as an individual the higher rate you pay a creditor. They are all the same. Working together to insure job security! They are all a XXXX joke. I call it like I see it. Its ALL a SCAM!! The CFPB are the same. They do nothing but forward and send emails. Should you really think any agency cares if a date, amount, inquiry is wrong on our little insignificant report. XXXX No!
Consumer complaint received 2024-01-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (GA)

Im in the XXXX XXXX and I missed a few payments due to XXXX issues. 


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 1681 Section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.