davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Arapahoe Motors (CO)

My complaint is that there is numerous of debt from many companies that have gone to collections without my authorization of me physically purchasing any of the things listed on the report... with this matter I have been homeless and have been struggling due to someone using my name and personal information damaging my credit and restraining me from being approved for resources such as a home, car, and living expenses my credit has been bad for a long time and I never knew why until I noticed that there is obviously fraudulent going on with my name
Consumer complaint received 2024-04-23
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: EQUIFAX, INC. (NJ)

The removal of the inquiries below they are fraudulent and do not belong on my credit reports EQUIFAX MORTGAGE SER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law (MI)

Level One Law is a scam company and the board officers should face a court process and be ordered to pay customers their money back. They have taken more than {$10.00} XXXX from XX/XX/2023 to XX/XX/2023 without settling one single debt account. I could have continued paying my monthly bills with the same money and kept the excellent credit score I have had for the past 10 years. Instead I was mislead to believe Level One Law would provide a better, less costly solution for debt consolidation. They say my credit score could go down a little but in reality it went down more than XXXX points. Why? Because the accounts they were going to pay off were not, and some cards charged off. All statements and communication goes to them so I wasnt aware until too late. They also give you an assigned lawyer, responsible for your accounts but after leaving more than XXXX voicemails to get in touch, I realize this lawyer may not exist. XXXX business, deceptive practices and will cost people money and credit score. Level one law stated they could work with the creditors and lower my monthly expenses. With in XXXX 9 months they would have the first account settled and my credit score would start improving. When I enrolled in their program I had a XXXX credit score. When 7 months came around they had not settled my smallest account owing only {$1500.00}. I called level One Law they said they were working on it and it may take up to 9 months. When 9 months came around and still not settled XXXX account. I called Level One law they said I would be getting an offer to settle soon. When middle of the 10 month came and still no settlement. I asked to leave the program and to get a refund of my {$10000.00} that I paid into the program. My credit score was down to a XXXX. I havent received my XXXX yet or heard from Level One Law. Now I can not get a loan to refinance my home to get some of this debt paid off. My home owner insurance has doubled due to low credit score. I would have been up to date on my bills and at least a XXXX credit score or higher with the money I paid into Level One Law. Also I would not have Charged off accounts on my credit score.
Consumer complaint received 2023-03-21
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. (NC)

I have been trying to get an explanation about a negative entry entered on my credit report in the status and comment sections that says " Legally paid in full for less than the full balance '' this account is paid in full so why is there a negative remark and what does it mean? please provide me an explanation as to how an account can be legally paid in full and still be considered negative. the account is # XXXX Please remove the false, misleading, and inaccurate negative remark before it can do any more harm to my reputation and livelihood.
Consumer complaint received 2024-04-19
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. (LA)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC (TX)

I engaged in a private consumer credit transaction with XXXX XXXX XXXX, and they never provided me with an adequate notice and form of my right to privacy and right to opt-out of their disclosure, sharing and reporting of my private personal information as they're required to do per 16 CFR 313.7 and 15 USC 6802. As a result of their irresponsible actions, they've reported adverse and defamatory information in my consumer reports and enabled a separate third-party debt collector ( Security Credit Services ) to also report this adverse information on my consumer reports, further defaming my character, creditworthiness and reputation. This is not only and infringement on my right to privacy, but this has caused me double harm, as they've both continued to report the same adverse account jointly under two separate account numbers.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

A XXXX free night award certificate that American Express has promised would be deposited into my account has disappeared from my account. 

On XX/XX/XXXX, I filed a CFPB complaint # XXXX against American Express because a hotel certificate that should come with my XXXX XXXX XXXXXXXX American Express Card disappeared from my account after I contacted customer service. On XX/XX/XXXX, American Express responded that a free night reward certificate with a redemption level at or under XXXX XXXX XXXX points has been deposited into my account with an expiration date of XX/XX/XXXX. However, this free night reward certificate once again has disappeared from my account when I am ready to use it.
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am submitting my complain and asking for your help to investigate this matter. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following accounts needs to be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-26
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. (NY)

I disputed unauthorized accounts on my credit report and they were removed but 6 months later, these companies were allowed to re-report deleted accounts. Deleted after complaint and investigation. 
I have lost several opportunities to loans due this credit report harassment violations my rights under the Fair Credit Reporting Act, Fair Credit Billing Act and The Fair Debt Collection Practices Act.
Consumer complaint received 2024-03-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

This is a solar panel loan. I was set up on payments for {$180.00} a month. After making payments for six months, my principal balance has gone up. When I called the finance company that had the loan, I was informed that the payment plan I was set up on was not covering the entire interest for each months payment. This finance company has continued to take payments and increase my principal balance, even though I was not making the minimum payment that I thought I was making when the loan was set up. I was advised by the solar loan company to make two payments a month if I wanted to reduce the principal balance. This was not what I agreed to when I set this up with the solar panel company. The loan is reliant on receiving a large lump sum payment from the tax credit from the government in order to pay off the loan by XXXX. Reading information on XXXX XXXX XXXX and others, the complaint I have is experience by numerous others.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

I had not been receiving my bill from Bed and Bath and was under the impression that my account had been paid off. I paid {$220.00} XX/XX/XXXX and {$220.00} on XX/XX/XXXX. I realized my automatic payments had stopped and I contacted Bed Bath and Beyond via telephone to make sure my balance was XXXX. I was told I had a balance and I could do the final payment, this conversation was on XX/XX/XXXX @ XXXXXXXX XXXX. I was able to reach the representative and she stated she could take the payment over the telephone and I would not incur a fee and it was prior to the due date. She attempted to make the payment for me and the system was going into an infinite loop, the same that I had experienced when trying to make the payment online. She told me she would notate the account and go ahead and send the payment from my bank account and I would not incur a late fee because the system appeared to be down. I went ahead and did the electronic payment to come out of my account on XX/XX/XXXX. I was still a bit confused on how I still had a balance on the account because I'm usually very good at paying over the amount with the credit card company owing me and it made sense to me that the two payments I had made was a split of what was owed plus interest. Anyway, the payment was processed for {$65.00} via bill pay because I couldn't remember the exact number I was told of the balance. I setup a payment for {$10.00} on XX/XX/XXXX because I didn't recall if I had a automatic billing on this account and again on XX/XX/XXXX. I figured the credit card copy would owe me a credit. I contacted Bed Bath and Beyond to receive my credit and they informed me I still had a balance on my account which consisted of two {$35.00} late fees,. I asked how could that be? They stated my XXXX payment did not reach them until XX/XX/XXXX. I was perplexed and asked to spreak with a supervisor in which there was not one available, I was told to call back. I called back the same day and inquired to spreak to a supervisor and was informed the company was in bankruptcy status and they could not reverse the late fee and a late fee would be assessed every month. Mind you, I had an overage in the payment and they informed my payments were always due on the XXXX, Somewhere along the line, my payment due date had to shift. My end of year statement shows XXXX late fees and looking at my payments, I have always paid {$220.00} near the end of the month. Community Bank is very much in business and this practice is definitely manipulative and unfair. I also sent an email to Community Bank and have not yet received a response. I have copies of the payments, telephone logs on the calls, and unfortunately, my statements have not been sent or received on a regular basis and it appears they can't send XX/XX/XXXX- XX/XX/XXXX statements. Thank you!
Consumer complaint received 2023-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Control Technology, Inc. (TN)

ACCOUNT CONTROL TECH Report to my credit on XX/XX/2021 in the amount of {$2700.00} with Voluntarily Surrendered license in the state of TN! I would like for this debt collector to delete this account off my credit
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (NJ)

Note that creditkama, stated that if I applied to XXXX XXXX there wouldn't be a hit on my credit score and that was a lie because my credit score dipped from XXXX to XXXX. I contacted XXXX XXXX and Creditkama, because they both lied and when I made a complaint my score went down another two points. Note that I checked the box on Creditkama.com not to send me anymore credit card offers, but they continue to do so.
Consumer complaint received 2024-04-23
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. (TX)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The letter highlights a disputed account on my credit report, which I assert was unauthorized. Despite my efforts to resolve it by requesting validation of the debt, the company has failed to provide satisfactory evidence. I hold no legal obligation to pay the alleged debt and have engaged both the creditor and credit bureaus on this matter.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAINE & WEINER COMPANY, INC. (CA)

I had a XXXX XXXX in XX/XX/2022. Several months ago I started to look into my credit reports. I saw several inquiries and collection agencies who had items being reported that were the same or duplicate reports. I sent US Priority mail to XXXX and XXXX regarding these issues. I never received any letters and or status regarding the report.I have also not seen any changes or new notes on these accounts. 

I want to know why my credit information is being shared with multiple unauthorized companies. In none of my credit applications did I agree to share my private personal information with whomever ( personal and or business ).
Consumer complaint received 2024-02-22
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. (TN)

Submitted 4 disputes to Equifax ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) for a collections account. I was never billed or made aware of the balance by the original creditor ( a previous rental company ) and the balance includes a late fee for rent that was paid on time along with other Miscellaneous charges that are not calculated correctly. I have provided documentation showing this time with each dispute. The disputes ( except XXXX were " completed '' each time between 1 and 12 days without any backup to support why the charges are valid.
Consumer complaint received 2024-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (AK)

All of my recent XXXX transfers are being denied ( " flagged fraudulent '' ) and I am unable to complete any transfers - even simple transfers to my wife 's bank account - and I am being told by Navy Federal Credit Union ( NFCU ) that there is nothing they can do about it. They won't even tell me why the transactions are being flagged and say they " can't override '' it to unflag - but someone can. All of my transactions are within NFCU 's XXXX limits etc. XXXX is referring me to NFCU to resolve the issue but NFCU is not doing anything about it. I am stuck. I have also tried to send to other bank accounts other than my wife 's - including some of my own bank accounts that I have XXXX on - and those transfers are also being rejected. XXXX transactions are covered by the Electronic Funds Transfer Act ( EFTA ) and Regulation E. I have been an NFCU customer for more than 25 years. Please help
Consumer complaint received 2024-03-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (MI)

XXXX. On XX/XX/2023 a {$20000.00} payment was deposited to my Chase bank account. 
XXXX. A month or so afterwards when I tried to use {$20000.00} by transferring them onwards- through the bank transfer mechanism. 
XXXX. The transaction was declined and I was instructed to make it again 4. This happened 4 times and each time they said something different why the transaction did not go through. 
XXXX. Finally they explained that the payment was done to a different name than the account owner XXXX. I explained that it is my husband 's name, and they requested to speak to him to make sure that he allows me to use this money. 
XXXX. Currently my husband lives abroad and doesn't have an American phone number and Chase refused to call him on an intranational phone number. 
XXXX. I asked why they didn't refuse the payment if it was not with the correct name, and they said that the other information was correct. I asked them to refuse the transaction, so the money will be returned to the payer, and they said it is too late for that. 
XXXX. They informed me that the payment is suspended, and that I can't use it. 
XXXX. Then they closed my account, and sent me a check, with my balance minus the {$20000.00}. 
XXXX. Because we had no other option my husband acquired a new XXXX phone. 
XXXX. I called Chase and gave them my husband 's number so they can talk to him and now their answer was that this number doesn't go through their anti-fraud system, and they can't call him on this number. 
I asked them to put XXXX on the line to understand what is the problem with this phone number, but they refused. 
XXXX. All I want is my {$20000.00}. And if they won't let we use it, at least return it to the sender, and they will transfer it to a different account. 

Thanks in advance
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

My Chase account that I use for Accounts Payable clearing ( issuing checks and ACH batches ) was overdrawn this morning for about {$86000.00}. Upon review, it appears the 3 ACH batches I submitted on XXXX  both posted, but are still " pending, '' causing the account to go negative. I called Chase customer service and their ACH team let me know " we've seen this before. '' And that the account should correct itself in the morning.

My concern is that my ACH batch submitted on Monday was rejected due to insufficient funds, which appears to be a Chase error. Also, will any of the outstanding checks bounce now? This situation is very distressing.
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (IN)

I took a loan for {$600.00} and it said repayment would be {$900.00}. After signing the documents it is now saying I owe over {$2300.00}. This has to be stopped I will be doing an ACH stop request as well.
Consumer complaint received 2024-03-08
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: SYNCHRONY FINANCIAL (NY)

I dont know how they got my information and they are violating my rights as a consumer and gave me a hard inquiry which drop my credit score by XXXX points, invited my rights of privacy and making my life hot harder to obtain a auto loan or any type of loan for the good of my well-being and this is not fair in pursuant to the fear, Credit reporting act