davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: Essential Lending Inc (TX)

I took out a small short-term online loan with Essential Lending DBA Wise Loan XX/XX/XXXX. The loan amount was {$800.00}, and the repayment was {$260.00} per month for a period of 6 months. 

I fell behind on the payments of this loan after making the first payment. 

There are XXXX issues that I have had with this account. The first being the inaccurate/false credit reporting information throughout this process, and the second being that I paid off the account through XXXX in XXXX of XXXX, and Essential Lending continues to report this account with an open balance. 

The first issue is the inaccurate reporting. This account reports as an open account XXXX days late, This reporting is false, and it is done to maximize the damage to my credit score. The date of last payment per the credit report is XX/XX/XXXX, yet the reporting as of XX/XX/XXXX on my XXXX and XXXX report the account XXXX days late with a balance of {$2300.00}. 

The second and most important issue is that this account was paid off XX/XX/XXXX in the amount of {$810.00}. This account was paid through InDebted on behalf of XXXX, XXXX, with the original creditor being Essential Lending DBA Wise Loan. I have attached the confirmation of payment as well as emailed correspondence with XXXX. 

I expected the account to be updated to reflect the payment, but it has not been. I disputed this information with the credit bureaus, and Essential Lending has refused to correct. I have made multiple attempts to resolve through InDebted and Essential Lending through email and phone calls, but I have been unable to get any type of resolution. Essential Lending is reporting this account open and unpaid, yet I have provided all of the documented proof of payment. I have been requesting this correction for over a year. 

Essential Lending is doing a great deal of my harm to my credit, This company is not working in good faith, I have satisfied this debt.
Consumer complaint received 2020-01-13
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Around XX/XX/XXXX I noticed two strange looking charges in my statement. 
Thus I stop card and ordered investigation. 
Later I received letter that everything is OK and I don't have to worry because I have zero liability. In beginning of XXXX this year I closed my account paid in full. Right in the day of payment ( XXXX ) Capital One posted that amount back to my account, ( due date was XXXX ). I called them back, they assured me that this amount {$32.00} will be removed ( and I saw in online, I can provide the screenshots ). But soon as I hung my phone, they post those charges back. 
After that I made numerous phone calls, and company workers were lying to me ( every time - new version ), about what's going on. When I had to order fraud dept, they use to put me on hold and hung up on me. 
I have all screenshots and dates/names of situation. Charges does not exist, charges appears, disappears, being in process of removing and appears again. I thing that company Capital One uses this dirty practice to steal couple dollars from me as a late fees, as they tried in XXXX. 
Anyway, please protect me from this swindlers, and protect another Americans from this company.
Consumer complaint received 2020-01-09
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. (UT)

XXXX XXXX ( XXXX, XXXX, XXXX, XXXX ) - and the credit bureaus are reporting SEVERAL inaccurate ACCOUNTS as well as they are in violation of the Bankruptcy courts - the XXXX XXXX! 
This account was included in my DISCHARGED bankruptcy yet they are still reporting monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.
Consumer complaint received 2023-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (DC)

Due to repeated and sustained miscommunication between BMW and their third party titling office, I have been unable to drive my car since XX/XX/XXXX. I moved from XXXX XXXX XXXX and sought BMW 's assistance in acquiring the Security Interest Filing form from XXXX Department of Motor Vehicles  to the XXXX Department of Motor VehiclesXXXX I obtained temporary license plates from DC, pending the Securing Interest Filing form. These temporary plates expired on XX/XX/XXXX, and DC will not issue another set of temporary plates to me unless BMW accepts fault for the delay thus the car can not be driven. Actions taken on my part : Called BMW Financial Services : XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX for a total of XXXX minutes. This represents 5 hours 31 minutes of lost wages. BMW Financial Services would put me on hold to communicate with the third party titling office, each time giving me a different answer ( 12/13 title had been received, 13 title had not been received, 1/6 title had been received but the form sent via email was " cut off '', XXXX title received and form received but could not send title to po boXXXX XXXX XXXX would not send title because I had received all of the documents I needed already in my move pack, XXXX  would request electronic title again from XXXX DMVXXXX XXXX  " there has been an error, we can not explain it, there is no estimated resolution '' ).
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Credit Bureau, Inc. (GA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Dispute of Collection Account and Violation of Rights Dear Sir/Madam, I am writing to formally dispute a collection account that has been reported by Merchants Credit Bureau to consumer reporting agencies. This dispute is based on violations of my rights as a consumer, specifically under the regulations outlined in 12 CFR 1006.34. Failure to Provide Validation : The collection agency has not provided validation of the debt as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed the collection on my consumer report, impacting my credit standing without proper verification. Denial of Dispute Opportunity : I have not been given a chance to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). This denial of my right to dispute the account is a clear violation of consumer protection regulations. Use of False and Deceptive Means : The collection agency is violating my consumer rights by using false, misleading, and deceptive means. Their actions do not align with fair debt collection practices and are causing undue harm to my financial well-being. Failure to Provide Required Disclosures : The collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law. This failure to comply is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Merchants Credit Bureau for their violations. Additionally, I request that the collection account be removed from my consumer report until the necessary validations and disclosures are provided. I am also revoking all rights of XXXX XXXX XXXX XXXX communicating with me through email, text, and calls. I am requesting debt validation and the purchase agreement between XXXX XXXX XXXX XXXX and the original creditor. I am also requesting proof that they are licensed and bonded Thank you for your attention to this matter. I look forward to your prompt response and resolution. ALSO THE ORIGINAL DEBT XXXX XXXX XXXX WAS PAID IN FULL. I WANT THIS ( COLLECTION MERCHANTS CREDIT BUREAU ) REMOVED FROM MY ACCOUNT.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I paid {$3000.00} on my balance on XX/XX/XXXX. The money was taken out ( deducted from my bank balance ) the next day. The amount came off of my credit card balance two days later, but did not get added to my available credit. I called, and they told me it would not be available until XX/XX/XXXX. I have been doing this for YEARS and it has never taken longer than a couple of days, and often it happened immediately. I had planned on using this card ( it is a Cashback MasterCard ) to pay several bills, including an arrearage on XXXX that had to be paid by today, XX/XX/XXXX or my coverage will be cancelled. Now I am going to lose XXXX, which, when reinstated, will cost me a lifetime penalty added to my premium. I also have utility bills ( that I have been paying with this card for years ) that are due before XX/XX/XXXX. 

I have been noticing many problems with bank transfers taking an inordinate amount of time to complete lately, but this does not seem to be that. They RECEIVED the money. They took it off my balance. I don't understand why they aren't adding it to my available credit. 

If I had known they were going to do that, I wouldn't have paid the second payment ( I paid {$1000.00} the day before, and it was credited IMMEDIATELY, I paid the extra {$3000.00} specifically for the XXXX payment ), and paid my bills directly from my bank account instead. I was not warned that this would happen, and I can't find anything in the terms and conditions that mentions it, so I believe I have been treated unfairly.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 usc 1681 section 602 states I have the 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2023-12-28
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. (KY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-01-06
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. (FL)

XXXX XXXX XXXX XXXX XXXX IS REPORTING I OWE {$2800.00} WHICH I DO NOT OWE I HAVE ASK FOR EVERY PURCHASE MADE ON THIS ACCOUNT THEY SAID THEY COULD NOT PROVIDE ME WITH THAT INFORMATION OR THEY SAID THEY COULD NOT PROVE THAT I OWE THIS MONEY OR THAT I MADE THESE PURCHASES ON THIS ACCOUNT OR CARD
Consumer complaint received 2024-04-19
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: JPMORGAN CHASE & CO. (NJ)

There are 2 Inquiries on My Credit Report from JPMCB that I did not do Please Remove these fraudulent inquiries from my report. 

JPMCB Card : Inquiry Dated on XX/XX/2022 JPMCB Card : Inquiry Dated on XX/XX/2022 Chase need to inform XXXX, XXXX, & XXXX that these inquiries are fraudulent. 

My FTC Report & ID is attached
Consumer complaint received 2023-02-12
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. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now , 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 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.
Consumer complaint received 2020-01-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (LA)

THIS PHONE NUMBER /BUSINESS/DEBTOR IS CALLING FOR A FORMER EMPLOYEE ( SOMEONE BY THE NAME OF XXXX ) AT THIS JOB. IT IS NOW MY WORK NUMBER AND THEY CONTINUOUSLY CALL EVERYDAY INCLUDING SUNDAY AND AT LEAST TWICE A DAY ( SOMETIMES 4 TIMES A DAY ). I HAVE ANSWERED SEVERAL TIMES REQUESTING THAT IT BE REMOVED AND ADVISED BY THE REP THAT IT WOULD BE REMOVED ONLY TO HAVE IT CALL EVEN MORE TIMES A DAY AND MORE FREQUENTLY. THIS IS HARASSMENT AND IT NEEDS TO STOP IMMEDIATELY. 
THANK YOU IN ADVANCE!
Consumer complaint received 2023-05-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (KY)

Receiving multiple calls a day from Discover. Would call once from the main Discover Finacial number. Then would receive mutiple calls from other numbers and robo calls also trying to get me to answer or return a call to Discover trying to sell a credit card that I fell behind on. I did answer two of the calls and when I did they immediately tried to transfer me to Discover financial collections department. Discover would continuously contact me about 4 or 5 times a day 7 days a week. This went on for just over three months. The calls started when my account went delinquent after losing my job. I was unable to pay and as soon as Discover ended up suing me all the calls suddenly stopped again. This is a deceptive technique to reach me and a violation of my rights. I am considering suing for violations of the fdcpa as the calls totaled around 420 calls in just a 90 day period from Discover. No one should have to put up with a company acting this way towards its customers or any consumer.
Consumer complaint received 2020-01-06
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. (MS)

Almost 9 years ago we filed for Chapter XXXX and have paid our debts except for a fraudulent proof of claim filed by XXXX XXXX XXXX. A judgement has now been determined that is binding through arbitration and entered into Federal district court. 
This chapter XXXX occurred due to the actions of this lender. The filing should be removed as it is almost 9 years old and the maximum is 10 years that it could stay.
Consumer complaint received 2020-01-13
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: CHECK INTO CASH INC. (OH)

Recieved payday loan amount of XXXX from. Filed bankruptcy in XXXX and asked rep at Check into cash would this effect my credit No was her answer and now XXXX this inquiry is there. XXXX XXXX  was the creditor that was listed on the credit report however I've never heard or been contacted by this company.
Consumer complaint received 2020-01-13
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: Eastern Account Systems of Connecticut, Inc. (WV)

Amount of debt {$120.00} : I have disputed with XXXX XXXX, XXXX, sent certified letter to the debt collector ( Eastern Account System ) on XX/XX/19, asking them to verify the debt with my signature and/or provide names and address of person who verified the debt. NO response. 

Eastern Account System just continue to verify as accurate on credit report.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Security Credit Services, LLC (TX)

Security Credit Services, You have reported an account to the credit bureaus on my behalf. I have no knowledge of this account nor do I have any agreement or contract with your company. I have never received any communication from this company and all of a sudden this account appeared on my credit report. This is a blatant violation of my consumer rights. Stop reporting this illegitimate account immediately.

Please furnish our original contract as well as confirmation that you have contacted.e regarding this account. Additionally, the account shows the Original creditor to be XXXX so also furnish your original purchase agreement with XXXX. 

Cease and desist all communication with me or anyone else regarding this matter effective immediately to ensure that my privacy is protected in accordance with the law.
Consumer complaint received 2023-05-24
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-01-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-13
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: CARRINGTON MORTGAGE SERVICES, LLC (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (OH)

XX/XX/2019 made an online XXXX purchase, receiving a 12 month same as cash thru Comenity Capital Bank. So I thought until I received my invoice. After a year of going back and fourth with XXXX, Comenity Bank and XXXX, the bank is refusing to honor the special financing.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, my name is XXXX XXXX. 

I recently reviewed my credit report and found some information which is false and I wish to have this removed. 

The information which is false and should be removed is the address ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. And the phone number XXXX.