davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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. (IA)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2023-06-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch (IL)

XXXX XXXX said I had outstanding odds on getting a auto refinance, at a rate of 3.51 % with XXXX. On XX/XX/2023, I applied. Application number : XXXX. They immediately want me to start uploading documents such as my drivers license, vehicle registration, etc. 

It took XXXX days of talking to XXXX from XXXX. I was then told they couldn't get me a lower rate. On XX/XX/2023 I get this response to my complaint about poor business practices. 

" We have been trying to understand why XXXX XXXX keeps offering numbers to everyone that are below the federal reserve rate and not realistic numbers that banks are currently financing at. For that I am sorry for the confusion. '' Looking on autopay.com they advertise rates as low as 2.99 %. 

Multiple hits on my credit report. Time consuming process to apply and answer all the follow-ups. All for nothing.
Consumer complaint received 2023-10-18
Product: Credit 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: JPMORGAN CHASE & CO. (NY)

I had asked the Chase ultimate rewards to explain and investigate about the charge of XXXX points I used to book XXXX XXXX XXXX, Chase ultimate rewards reference XXXX Original book ID XXXX The advertising on the chase page is incorrect, you can't check in because there are no keys and no front desk and as a result, I have to book another hotel I had contacted ultimate rewards multiple times and each time they told me they are resolving the issue, it has been over a month
Consumer complaint received 2023-04-19
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. (SC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$23000.00} XXXX  XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$24000.00}
Consumer complaint received 2018-04-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Real Time Group, Inc. (TN)

These people are liars.  I have NEVER been late on a payment to XXXX it was an automatic debit that came out of my account monthly.  They tried to debit my account for the payment, I stopped payment because I did not know who they were.  They then call me in XX/XX/XXXX telling me that I owed this debt and I told them I had no clue who they were and that I did not owe them anything. He stated that they had bought my account and I told them I moved and gave them my new mailing address and email.  I told them to email me and I would be more than happy to make payment once the debt had been proven.  No email and then they began to bullet call me, I have all of the phone bills to prove it.  One day out of the blue I get a bill and I mail the payment after bill was received.  They even told me that they would remove the $XXXX fee because of all this once I sent in from my bank the stop payment.  All lies and now I receive a temporary bill what is that for temporary?  These people are crooks and I will not go away and I because they are practicing fraudulent and collection billing practices.  This payment was never late with XXXX and all of a sudden these crooks take over and my account is delinquent.
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2023, I sent a letter to address errors and unfamiliar entries on my credit report. However, I have not received a response despite waiting over 30 days. This lack of action has left me feeling disregarded and taken advantage of. I want to remind you that under Section 611 ( a ) of consumer law, any unresolved dispute must be removed from my credit report after 30 days. Therefore, I respectfully request that these accounts be promptly deleted from my credit report as required by law. 

I must also express my concern regarding the XXXX data breach, which has left my personal information vulnerable to misuse. As a result, I expect all necessary measures to be taken to ensure my information is kept secure and protected. 

Should my request to delete these accounts from my credit report not be honored, I will have no choice but to pursue legal action due to the undue stress caused by this situation. I hope we can resolve this matter satisfactorily and restore my confidence in your ability to handle my credit report with care and accuracy. 

Attached are XXXX of my most recent credit reports ; please use this to verify.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-06-17
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. (GA)

It should be known that this complaint is filed against TransUnion, XXXX, and XXXX for reporting information on a account that has incorrect and invalid/ incomplete information on it which violates the FCRA and due process of federal law. The account is called XXXX XXXX XXXX. and the account number is XXXX. A dispute was filled with all 3 bureaus and all 3 bureaus verified the account info as correct. No other disputes are pending with the bureaus for this account. Said errors and discrepancies are as follows : 1. Date closed is missing on all 3 Bureau reports. 2. Date of last activity is missing on all 3 Bureau reports. 3. Date of last payment is missing on all 3 bureau reports. 4. Account type is missing on all 3 bureau reports. 5. TransUnion reports under account status that account is open. This is a closed account sent to collections and purchased by a collection agency. This account is not open and should not show as open by TransUnion. 6. TransUnion also reports under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. 7. TransUnion also has failed to remove any codes or remarks from the account since the dispute process is over and no other disputes are pending. That is mandatory to delete said information and TransUnion has failed to do so. 8. XXXX reports on the account under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct also. 9. XXXX also has failed to remove all codes and remarks about disputes from the account since no disputed are pending. 10. XXXX report shows account is disputed. Contrary no disputed exist with them either. They were obligated to remove all codes and remarks about disputes once my dispute with them was concluded. A copy of XXXXsumers smart credit 3 bureau report is included in this complaint so all errors can be seen.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AR)

XX/XX/year> Synchrony closed my XXXX XXXX, no notice. I didn't request it to be closed. They misunderstood my comment. I didn't receive any advance notification. I've been trying for over 2 weeks to receive a response. My request is ignored! I deserve a explanation why I didn't receive any advance notification.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-07-03
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (IN)

In XXXX of XXXX, I closed my account with XXXX, returned equipment ( streaming media device only ) and paid my balance in full. XXXX sent me a final bill with an amount of {$210.00} as balance owed. I contacted XXXX and disputed the balance as they could not provide proof of actual charges. A few months passed and I began to get harassing phone calls and letters from Eastern Account System of XXXX, CT. I once again disputed the debt with them and requested proof of charges and an itemized statement. As of this date, they have refused to do so. In the meantime I also disputed the debt with XXXX. XXXX has continued to report this and it has negatively impacted my credit score ; in some cases dropping it as much as XXXX points. My credit score was in the excellent range until this happened. I have no other negative reports and pay all of my bills on time .It 's ludicrous to think I would let something as minor as a {$210.00} bill drag my credit score down when I pay my other bills on time. XXXX continues to be uncooperative and uses extortion means to punish people who do not comply with their attempts to collect a debt that they can not prove to be legitimate. Any reputable business will provide an itemized statement of services provided or product sold.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

in accordance with the fair credit reporting act, Capitol One has violated my rights. Under 15USC1681 Section 602 States I have the right to privacy. 15USC1681 Section 604A Section 2 Also states a consumer reporting agency can not furnish an account without my written consent or instructions. Under 15 Unit C 1666B A Creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

So I checked over my report and I noticed these accounts posting with all different dates balances, & amounts I seem to feel like this is very inaccuate and goes against some laws like the Fcra section 609. I contacted the creditors and bureaus regarding these inaccuracies after 3 months they still have not responded back to me about it I need to get this removed off my credit ASAP. 

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX EquifaxXXXX XXXX XXXX XXXX Equifax XXXX  XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX Equifax XXXX  XXXX XXXX XXXX XXXX XXXX Equifax XXXX
Consumer complaint received 2023-06-03
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)

Upon looking over my credit reports Equifax, XXXX and XXXX, I see a collection account from XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX and a reference number of XXXX, and showing with an alleged amount owed of {$680.00} USD. 
Equifax Acct # XXXX Report file # XXXX XXXX Acct # XXXX Report file # XXXX XXXX Acct # XXXX Report file # XXXX According to the FCRA this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I demand that this debt collection account be deleted immediately or I will exercise my right to sue for {$1000.00} for each violation. 

I have attached the copies of my credit reports to support my claims.
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CADENCE BANK (MS)

We bank with Cadence bank ( XXXX XXXX XXXX and have : Checking, XXXX, and Mortgage with this bank. Recently we logged into our online banking site and then to our mortgage account to review some details. We were astonished to see XXXX other individuals accounts ( along with mine ) appearing. I was able to see their personal details ( address, phone, last XXXX ssn ). We called the bank and they remove those accounts after several hours but offered no assurances that the exposure had been rectified and offered no free fraud protection. We took photos on our phone of the website pages and the bank instructed us to delete those and have brushed off any accountability and our concerns.
Consumer complaint received 2023-05-24
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. (MD)

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 2023-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (TN)

I have been using XXXX XXXX for years, and as soon as i switched to chime i start getting overcharged for my payments. 
I was overcharged for over 6 payments with XXXX XXXX  totaling {$470.00}.
Consumer complaint received 2023-04-12
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. (FL)

This is my follow-up complaint in line with my prior complaint dated XX/XX/XXXX. 
My complaint contains the items which I believe to be fraudulent please remove the items in my file : 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 XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$79.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (MA)

I pay for FICO score monitoring. A dispute over a drop in myscore has been logged with Equifax per the process with FICO. FICO claims they do not control the information provided by Equifax. Equifax just explained that my Equifax score is 'different ' from FICO because they use a different model to compute scores ... and if I want my Equifax score I must pay. We go around and around with FICO versus Equifax. No one will explain the formulas or their actual relationship.
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

120 days plus now and I dont have a replacement card but they continue to try to extort me for money for the account.
permanent closure demanded multiple times for violations of cardholder agreement ( " the CONTRACT '' ) which is long time now VOID. No debts can, will be collected nor will accts be resold or posted to any bureau. since I havent been late- all late charges and reporting will disappear.
so will all account reporting. these accounts will go away as if never opened, and I will not be slandered further, or marketed to EVER. nor will my grandchildren 20 generations deep or more. 

company will remove all social media postsand accounts immeadiately.
Consumer complaint received 2023-10-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (GA)

I asked U.S auto sales at the time about bringing the vehicle back because of the concerns I have with the gps going off randomly or the day of my payment they hit the " kill switch '' and I'm unable to get my wife to the doctor or just me going to work they said they'll take the vehicle with open arms back but I'll be responsible for the remainder, I asked why on multiple occasions if there is a defect that you guys installed that causes issues, I never get an answer always at that question the phone hangs up this dates back to 1 year from this month and always the same response! I would love to get from under them but it seems to be a nightmare of a financial trap!! Multiple videos of thos in my phone if proof is what your looking for!
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TN)

amex is refusing to honor veterans because XXXX wont do it and is conning people by the hundredfold. XXXX refuses to accept MIL ID, SSN, ACTIVE DL, PASSPORT INFO etc as valid us citizenship documentation and refuses to sync thier online info. 

bc of thier wreckless actions I am unable to open several thousand dollars worth of SECURED credit. 

I pay my bills have been slandered by others. I want an AMEX bc THEY issue and can replace the card, no nonsence XXXX. 

there is no other way to contact amex unless your a member or a XXXX robot. this is growing trend and is illegal. furthermore I demand thier fax info to prove my citizenship, which is more than XXXX will do.
Consumer complaint received 2023-06-28
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. (TX)

I filled a dispute with XXXX on XX/XX/2023, and with XXXX on XX/XX/2023 about the {$940.00} dollars that XXXX has on my credit report however its still there