davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian has not complied with the laws and also appears to have retaliated by dropping my score XXXX points. At this point im going to have to sue experian and I will be contacting my attorney for the ignored violations and also causing me stress because of the negative posting on my credit and this is the fourth time I have reported this information to the cfpb. 

Experian 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 an account without my written instruction.
Consumer complaint received 2023-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Intuit credit karma keeps reporting negetive reports on my consumer report with out my consent which is identity theft as well as infringement of my rights pursuant 15 us code 1681 b permissible purpose by written consent and the debt collector that is coming after me for the debt which is illegal pursuant 15 us code 1692 c ( b ) third party should not have info on my consumer report its illegal XXXX XXXX XXXX is third party XXXX XXXX  is creditor for them to discuss my report is illegal for intuit credit karma to report this is fraud and infringement of my rights
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (LA)

I recently had an issue with my AMEX platinum credit card when trying to pay the bill. I normally pay the bill manually once a month when the bill gets high and then autopay the rest at then end when the statement is due. I tried paying an amount of XXXX $ a day before the autopay was scheduled to pay the statement balance ( XXXX $ ). I did not know the autopay was scheduled to pay it that next day. I payed the XXXX manually and it said confirmed your payment was received and in the app my balance went down by XXXX XXXX The next day for some reason is still auto paid the full XXXX even though I had already paid XXXX the day before. I would think it would only be paying the difference which would have been a little over XXXX XXXX The problem was that when the XXXX and XXXX came out it brought the bank account balance too low to do all of my payroll checks so when I did my payroll checks everyone of them was charged a NSF fee. I immediately called American Express as soon as I saw the amount that was taken out and they said they couldnt return it to the bank account without the routing and account number ( which I didnt have at that moment ) and to call back the next morning when I had it. Which I did and they said the money would be returned. I finally see it being returned to the bank account after 2 days but Im still left with the NSF fee that arent cheap because American Expresss autopay system messed up. ( Bank isnt willing to take off the NSF charges )
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-10-19
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. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  # XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX  XXXX XXXX fraudulently did not report my payment information in XX/XX/2022 with the credit card ending XXXX to all credit bureaus. 

XXXX  XXXX XXXX is NOT reporting the current and updated address to all credit bureaus.
Consumer complaint received 2022-11-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Carvana Group, LLC (NH)

To whom it may concern, so i applied for a credit application on XX/XX/2022 for personal, Family, household purposes. had seen a XXXX  XXXX XXXX that i wanted to purchase with credit. so i went thru the credit application process INCLUDED my credit card as defined under federal law Truth And Lending act ( TILA ) as any card, plate, coupon book or any credit devise existing for the purpose of obtaining money, property, labor, or services. which then gave carvana access to my open end credit account also defined in ( TILA ) then i got a offer asking for XXXX for a down payment. my only problem with this as im reading ( TILA ) under XXXX titled finance charge. the finance charge shall be the sum of all charges is this true? meaning grand total shall be no more charges as i already payed for the truck under my open end credit plan. it later says that the finance charge does not include a type payable in a comparable cash transaction. meaning no wire transfer, no cash and nothing comparable to cash. so for carvana to try swindling payment from me they are also advertising sale XXXX ( XXXX ) that a specific down payment is required in connection with any extension of consumer credit. carvana aided and promoted such down payment willfully knowingly to undermine me as a natural person. would like to note that i was also not offered insurance for my credit transaction can you explain why? thank you
Consumer complaint received 2022-11-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

I have disputed this account Wakefield and Associates with XXXX and XXXX earlier this year and they still fail to verify this account. The account is reporting inaccurately on my consumer report which is unacceptable. Since they have continuosuly ignored my request, this account should be deleted. 

Original Creditor : XXXX XXXX XXXX Third party collector : Wakefield and Associates Amount : {$1900.00}
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX Balance Owed : {$980.00}
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (NC)

There was a charge on my card in the first week of XXXX for {$100.00} that came from XX/XX/XXXX for a {$99.00} annual fee. First of all, a {$99.00} annual fee is rediculous, but, I've paid it these past 2 years because I don't want to close the card and lower my credit while in the process of trying to buy a home. So, on XX/XX/XXXX I made the payment of {$100.00} and the next day XX/XX/XXXX forgot I paid it the day before and made the payment again ... totaling {$200.00}. This shows on my XX/XX/XXXX statement, that I over paid {$100.00}, so my account was $ XXXX ... .With GenesisFS card services ( Indigo Card ) owing me the XXXX. They claimed they would return it to my bank of which they never did ... ( And all these calls should be recorded ) ... .Now, they've turned around this month and charged another {$140.00} for God knows what, but I don't, nor did the last representative I spoke with. The representative also stated she could see a future statement that I could not see online and I was being charged a late fee, which is impossible! ... The company owes me! ... .How could I be charged a late fee! ... They claimed it was due to insufficient funds, and yet ; the money left my bank and was not returned, as it shows on the XX/XX/XXXX statement. Today is only XX/XX/XXXX, so how could anything be late and they owe me?!
Consumer complaint received 2021-06-22
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/2020 the whole society was impacted by the coronavirus pandemic. I was impacted finacially and missed payment with Capital One. I explained and provided proof that i was impacted by Covid 19 and wrote a letter for a forgiveness of late payment and their response was that according to FCRA it requires they report accurate information.
Consumer complaint received 2024-03-09
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. (NC)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-12-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

I simply asked them to close my saving account and transfer {$300.00} that was in there to my checking account. 
It has been 2 months and these idiots havent given me my money. First they said it was transferred to my checking and then they reversed it. 
I have filed XXXX CFPB complaints and they keep closing that saying that they are sending me a check. Finally I get a check and I deposit and and then that is reversed as well as they put a stop payment on this check. So I have no clue what these idiots are doing. When I call them, they keep transferring me from one department to another. I have a voice mail from XXXX or XXXX from their so called XXXX Executive customer service that this check is good and they are closing the case, but of course they were lying again. 

XX/XX/2023 Telephone transfer to XXXX XXXX XXXXXXXX XXXX - {$300.00} {$200.00} XX/XX/2023 Telephone transfer from XXXX XXXX Account transfer {$300.00} {$500.00} XX/XX/2023 DEPOSITED ITEM RETURNED Stop Payment XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX | Returned deposit item - {$300.00} {$200.00} XX/XX/2023 XXXX XXXX XXXX XXXX XXXX | Deposit {$300.00} {$500.00}
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Aligned Company DBA Extra (FL)

I DIDNT HAVE ACCESS TO MY EXTRA ACCOUNT BECAUSE PHONE WAS STOLEN AND WALLET, GOT NEW NUMBER. TRIED CONTACTINGEXTRA FOR MONTHS, SENT EMAILS. TRIED TO CALL. NOTHING GOT RESOLVED. THEY CLOSED ACCOUNT BEFORE I COULD RESOLVE ANYTHING. I HAVE NEVER BEEN LATE, THEYVE BEEN LYING ABOUT LATE PAYMENTS ON MY REPORT! ALSO SENT DISPUTE LETTERS FOR A YEAR AND NOTHING HAS CHANGED NOR HAVE THEY RESPONDED! 


I GOT XXXX  AND LOST MY JOB AROUND THAT TIME AND MY CREDIT HAS AND IS STILL BEING AFFECTED BY THIS!
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (FL)

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 2023-04-13
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. (PA)

My name is XXXX XXXX XXXX, and I am writing this request on my own behalf. I have enjoyed my experience with this company and am writing to simply request a " goodwill '' adjustment to your reporting to the three credit agencies. I have a series of late payments due to experiencing a medical hardship. I say this not to justify my delinquencies but to indicate that, that time was not a reflection of my credit worthiness. Since that time I have been an exceptional customer paying on time every month and have now completed all payments. I would like, if possible, for these payments to be reconsidered and removed from my credit report. 

These are the accounts I am referencing : DEPT OF EDUCATION/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd. (TX)

I recieved a notice in and around the second week of XXXX of 2023 from Phillips & Cohen Associates , Ltd . Claiming that I owe an alleged debt to PCA Acquistions V LLC. 
I have never done business with them at all. I have a dispute letter that I will send to them via mail. I have questions for them regarding the alleged debt and question its validity, I need proof of their claims. 
The alleged debt amount is : {$5600.00} I will attach what they sent to me in this complaint.
Consumer complaint received 2022-10-19
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. (AZ)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX Balance Owed : {$980.00}
Consumer complaint received 2022-09-21
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. (GA)

I am making you aware that XX/XX/2022 I sent to XXXX XXXX, XXXX XXXX, XXXX XXXX a notice informing them of their violation that allowed me to make an uninformed decision when I entered an agreement with their company. The information given to me was not clear nor conspicuous for me as a consumer to understand. There was no evidence of indebtedness only evidence of debt was agreement because of uniformed decision the debt becomes null and void. The companies failed to provide me with an adequate notice giving me pertinent facts that were to be clear and conspicuous. I am making you aware of the fraud and deception these financial institutions have been doing. According to 15 USC 1611 whoever willfully and knowingly gives false or inaccurate information shall be fined for {$5000.00} or be imprisoned not more than one year or both. You have been warned of the notice.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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 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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX 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 XXXXXX/XX/2023
Consumer complaint received 2022-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KLS Financial Services, Inc (NC)

KLS FINANCIAL SERVICES ( Original Creditor : XXXX XXXX  ) is reporting on my personal credit file with ( XXXX XXXX credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
KLS FINANCIAL SERVICES ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00}
Consumer complaint received 2018-12-05
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. (WI)

XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX This item was to be deleted from my report. My submission to the CFPB was apporved for this item to be deleted and to date it has not been deleted.