davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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)

The company is titled XXXX XXXX XXXX. XXXX XXXX has deleted the information from my credit report. However, after disputing the information with XXXX and Equifax, they are not taking it off. The company is providing information that the date is correct so I disputed it directly with the company, and or a collection agency providing them proof that the account in question was already paid before it was placed on my credit report with no resolution I have been disputing this account every XXXX weeks since XX/XX/XXXX the account was paid XX/XX/XXXX 2020
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (PA)

I was in the process of putting my student loans in In-School Forbearance. During that period my student loans went into 90 days late payment. I did not realize this! I would have paid during that time, but received no notification at the address I lived. I did not know. I have disputed this twice with my student loan provider and with the credit bureaus, but they have not taken it off of my credit report. It has negatively impacted my credit, but they have made no adjustment or had no mercy though I have no previous record of late payment, or any following this incident. Thank you for your help!
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I currently owe Capital One Quicksilver credit card about XXXX . I have had this credit card since XX/XX/XXXX. My XXXX is XXXX and the late fee is {$40.00}. My interest rate has increased almost 30 since the beginning of XXXX.
Consumer complaint received 2021-06-26
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: EQUIFAX, INC. (GA)

My information was leaked in the Equifax data breach, I have multiple unauthorized inquiries on my Equifax report that I have been requesting to get removed. These inquiries are fraudulent. I have followed all the necessary steps according to the Equifax website and the identity theft.gov. Made a police/identity theft report, sent in proof of identity by mail, etc. Equifax refuses to comply with the law and initiate a thorough investigation on my credit profile. I have sent in multiple letters with supporting documents and proof. I spoke to an Equifax rep over the phone and he says that they haven't received any letters since XXXX of XXXX. My letter ( s ) regarding this matter, was sent in XXXX and in XX/XX/XXXX. It is the end of XXXX and I still have not received no update or notification of an investigation. This is unacceptable, and it is effecting my credit worthiness in the middle of a pandemic. I demand that you delete these inquiries at once!
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX B XX/XX/XXXX 15 USC 1681 Section 602 A. States I have a right to Privacy. 

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years. 

15 USC 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 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I sent multiple letters to Equifax and they continue to overlook or ignore my request to correct the false reporting of late payments, inquires and accounts such as : Violation Of Right To Privacy Effected By Data Breached without getting full disclosure there was one. 

Accounts : XXXX XXXX - All Payments were on time and it show 1 late payment XXXX - Is Paid Off and needs to be removed - ( XXXX has resolved this issue ) XXXXXXXX XXXX Is a third party collections agency and I do not have any contract with them. ( Needs To Be Remove ) Bankruptcy - The US Bankruptcy Curt Does Not Report To The Credit Companies and should be removed I do not have a firm offer of credit with any of these companies - Inquires need to be removed XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 2021
Consumer complaint received 2023-02-02
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. (SC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # xxxx, XXXX XXXX XXXX : # XXXX, 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 XXXX 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 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

1- I received by mail an Offer from XXXX XXXX to apply for XXXX XXXX American Express XXXX XXXX The Offer included XXXX Bonus Points and a XXXX XXXX Introductory Interest Rate for XXXX months on Purchases. This Offer had Expiration Date of XX/XX/XXXX. 
2- In XX/XX/XXXX, I applied for this XXXX  Card using Custom Offer Code : XXXX, which was included in the Offer Document. 
3- In XX/XX/XXXX, I took advantage of the XXXX XXXX  Interest Rate and made a {$4000.00} Charges. 
4- When I received Credit Card Statement for XX/XX/XXXX, I discovered that American Express STARTED to charge me a XXXX  % Interest which is contradicting their Original Offer oXXXX XXXX % for XXXX months. 
5- On XX/XX/XXXX, I called American Express Customer Services and Spoke to XXXX XXXX and filed a Complaint under Case # XXXX regarding the start-up of charging me interest before the end of The XXXX Promotional Period which should have been ended in XX/XX/XXXX. 
6- From XX/XX/XXXX up to XX/XX/XXXX, I did not hear any responses from American Express about the results of my Case. 
7- On XX/XX/XXXX, I called American Express Customer Services and Spoke to XXXX XXXX who advised me that the Case was closed without any results. 
8- So, I requested from him to open another case for the same 0 % issue. Another XXXX # XXXX was opened. 
9- From XX/XX/XXXX till Today, XX/XX/XXXX, I have not received any responses or correspondences from American Express regarding my Case and results of their Offer to me for the XXXX % Interest for XXXX  months. 
10- It is clearly obvious to me that American Express is deliberately avoiding the admission of their mistake and unequivocally, decided to not honor their WRITTEN OFFER to me of XXXX  % Interest for XXXX months and instead, they elected to make more money without any regards to their misleading and deceiving Advertisement. 
11- Because of American Express 's ignorance, they have been charging me a {$650.00} in Interest Charges from XX/XX/XXXX to XX/XX/XXXX. 
12- THIS IS AN UNFAIR BUSINESS PRACTICE IN XXXX XXXX most importantly, HURTING AND HARMING A SENIOR CITIZEN OVER XXXX  YEARS-OLD IN PARTICULAR. 
13- American Express MUST honor their own offer and should not have charged me the {$650.00} for Interest Charges that supposedly are going to start in XX/XX/XXXX when the XXXX months Promotional Period ends in XX/XX/XXXX. 
14- American Express MUST immediately reverse ALL interest charges totaled {$650.00} that added to my account and inflated my outstanding balance unjustifiable.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc. (LA)

For XX/XX/2023 I paid a total of XXXX dollars to Self.inc. I only used XXXX of the credit in XXXX. I overpaid them XXXX dollars. I still have a balance due. I would like to know why their system does show that I overpaid them and why do I have an outstanding balance. I have tried to contact them. I am getting long wait times or the staff simply can't help me.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

A formal complaint was submitted. Bank Of America has not responded. Here is the last email that I received from the CFPB. How is the bank allowed to blatantly ignore this verified information, and complaint?? 

We have alerted the company its final response is past due. 
We havent received a final response from the company in the expected time, even though the company initially responded that they were working on your complaint. 

Weve alerted the company that its response to your complaint is now past due and that a response is still expected. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Checking or savings account ISSUE Managing an account
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (WI)

I purchased two couches from XXXX XXXX  order number XXXX on XX/XX/XXXX. We were told that the couches would be delivered between XXXX and XX/XX/XXXX. In XXXX we received a notice that they couched had started to be built. In late XXXX we received a notice explaining how the inspection process would proceed. On XX/XX/XXXX we received an email saying they apoligized for not communicating well and that they were having difficulty with delays. Then on XX/XX/XXXX we received an email saying that the couch would be rshipped in late XXXX of XXXX. On XX/XX/XXXX I received an email from XXXX XXXX with a Notice of Assignment & Proof of Claim Form ( XXXX XXXXXXXX. ) I called XXXX XXXX and emailed them several times but received messages saying they were experiencing longer than expected wait times. On XX/XX/XXXX I filed my Proof of Claim form. I was told that many clients would still receive their couches and to wait. The date was pushed back several times. I finally received notice on their website saying my couch was not going to be delivered. Someone named XXXX told me to contact my credit card company to file a fraud claim. I had paid cash through my XXXX at Ally banXXXX. I filed a fraud claim and MasterCard and Ally both denied it saying that I did not file the claim soon enough within 90 days of ordering the couch. I did file within 60 or 90 days of receiving the notice but they did not consider that to matter.
Consumer complaint received 2023-01-01
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. (VA)

In accordance with the fair credit reporting act, XXXX, XXXX and Experian has violated my rights by having Bankruptcy XXXX XXXX reference # XXXX on my reports. 

15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-01
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2023-01-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2023-01-01
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-03-09
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: Experian Information Solutions Inc. (CA)

Federal law provides that bureaus must maintain the correct status on items or remove them from the file. I am enrolled in a NON-PROFIT consumer credit counseling program. When such programs are " NON-PROFIT '' the bureaus must change the status to a " XXXX '' XXXX and XXXX XXXX have complied with this law but Experian apparently has their own interpretation of the law. The accounts included in this program are : XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX   Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2021-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

Name of the debt collector, including name, address, and phone number : Wake field and Associates, Inc. 
XXXX XXXX XXXX XXXX XXXX Box XXXX XXXX, TN XXXX Phone ( XXXX ) XXXX or ( XXXX ) XXXX Please refer to account number XXXX. 

Wake field and Associates, Inc. 
XXXX XXXX XXXX  XXXX XXXX, TN XXXX Dear Consumer, Financial Protection XXXX XXXX CFPB ) I am responding because I have made a complaint regarding Wake field and Associates, Inc. about collecting a debt that is fraudulent. 
I do not have any responsibility for the fraudulent debt Wake field and Associates , Inc. is trying to collect. 

If Wake field and Associates, Inc. have good reason to believe that I am responsible for this debt, mail me all the documents clearly with my signature agreeing or consenting for treatment/bloodwork, insurance claims, etc. 
Just as my last complaint to CFPB, I have asked Wake field and Associates, Inc. to stop all communication with me and with this address per 15 U.S. Code 1692c - Communication in connection with debt collection, and record that I dispute having any obligation for this debt.

If Wake field and Associates, Inc. stop the collection of this debt, and forward or return it to another company/debt collector, please indicate to them that this fraudulent debt is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is fraudulent/disputed. 

Wake field and Associates has engage in egregious violations of the law, including phantom debt collectors by obtaining my personal information through a variety of means and then contact those/me and claim I owe a debt, when in fact the debt is entirely fraudulent/fabricated or is otherwise not owed to the collector. Wake field and Associates Inc. Uses abusive debt collection practices by placing questionable debts on my credit reports without first communicating with me about the debt. 

Wake field and Associates does NOT adhere to a number of laws and regulations, which govern topics as diverse as telephone communications ( e.g., the Telephone Consumer Protection Act, or TCPA ) and furnishing information to credit reporting agencies ( e.g., the Fair Credit Reporting Act, or FCRA ) as well as various state statutes. Wake field and Associates harassing, oppressing, and abuse me the consumers ; ( 2 ) utilizing false, deceptive, or misleading representations or means when collecting or attempting to collect ; and ( 3 ) using unfair or unconscionable means to collect a debt Sincerely, XXXX XXXX
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (PA)

XXXX  HAS FAILED TO REMOCE THIS XXXX ACCOUNT EVEN SHOWING PROOF ITS PAID FOR IN FULL AND SHOULD BE REMOVE IM GOING TO FILE A LAWSUIT. I SENT THEM A COPY OF THE LETTER JUST LIKE I SENT IT TO THE OTHER COMPANIES THAT REPORT DATA AND THEY FAIL TO REMOVE IT
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX 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 2023-08-15
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: EQUIFAX, INC. (FL)

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 XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.