davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (TX)

During various months of attempting to resolve issues and disputes with this company, payments that were made or attempted to be made were followed by incorrect account information by a customer service agent not inputting the information correctly resulting in payments that were sent back or unlocated accounts. For these reasons, this mortgage company should not have continued to report these accounts 30 days late during various months. I am requesting these XXXX dates late be removed from the credit report, Additionally, this account was paid in full XX/XX/2024.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COMMERCE BANK (MO)

I've been having real financial problems with my credit score being low and really can't afford anything. XXXX XXXX and on going i keep receiving letters from commerce Bank stating I owe {$1000.00} I can't afford it I don't have it.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX-XXXX-Balance : {$990.00}
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (NJ)

Information on my credit report is different on all XXXX of my credit reports. I have disputed most of the the negative closed accounts and most of them were removed.but some of them keep coming back with inaccurate dates from third party XXXX XXXXXXXX.
Consumer complaint received 2023-01-19
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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX ( pre-pandemic ) I used my American Express Delta SkyMiles Reserve card ( ending XXXX ) booked a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 

The trip was originally scheduled for XXXX XXXX XXXX but then the pandemic hit. We delayed the trip twice, ultimately rescheduling our stay to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We arrived to the hotel and it was not as advertised in photos etc. The room ( and entire hotel ) were in complete disrepair and everything was filthy. This was a premium-rate hotel for XXXX XXXX XXXX XXXX the conditions were uninhabitable. My husband and I couldn't even get through the first night, as the disgusting mattress was completely worn and impossible to sleep on plus there was no heating. 

At XXXX we began a search for another hotel but almost everywhere was booked due to the XXXX XXXX We finally found a place for the following night and informed XXXX XXXX XXXX management that we'd be checking out immediately. Unfortunately the new hotel was only available that one night, so that following night we had to move to yet another hotel. Then a couple days later needed to change rooms again due to unavailability. By the end of our XXXX XXXX XXXX we had stayed in a total of XXXX hotel rooms, which was not the XXXX XXXX we had in mind. 

We had corresponded directly with XXXX XXXX XXXX XXXX XXXX and email to demand a full refund, but even after acknowledging all the problems, all they were willing to offer was a completely free stay at one of their other properties. But why would we entrust the time and expense of another trip with a hotel who'd already proven to be disreputable. 

Anyway, all of this was thoroughly reported when I disputed the original transaction of {$2900.00} ( XX/XX/XXXX ) plus a disputed second transaction of {$600.00} ( XX/XX/XXXX ) from when we added a night to our stay before knowing what was to come. All documents, transcriptions, and photos were provided with the disputes. 

While the {$600.00} transaction dispute is still " pending investigation '', the original {$2900.00} transaction dispute was rejected because American Express " did not receive it within the required 60-day period ''. But how could I dispute a transaction for a hotel stay within 60 days if I've not even stayed there yet? What are the benefits of using my American Express card if they're not even protecting me? No one from American Express even bothered to make any attempt to contact me with further questions or anything. 

Overall American Express ' customer service, particularly with serious matters like disputes, has gotten so sloppy and time-consuming to deal with. I literally spend countless hours of my time trying to get anything resolved. So here I am complaining to the CFPB.
Consumer complaint received 2021-09-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Radius Global Solutions LLC (CA)

Radius Global has been calling me multiple times in a day for the last 2 months, a lot of times they call at XXXX. I have asked them to please stop calling me, but they continue to call starting at XXXX. Also the debt incurred while a was laid off for over a year due to Covid. Also I have health insurance and my credit score went down 60 points because of this. They will not stop calling me. I have disputed several times with XXXX and it might be on my XXXX.
Consumer complaint received 2021-09-30
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. (NC)

I ( natural person ) recently obtained a copy of my consumer report and there is inaccurate information reporting to my consumer report. The original creditor is reporting inaccurate information on my consumer report. According to the FCRA 15 U.S.Code 1681 everything has to be reported accurately to a consumer report and the information that is reporting is not accurate. I am demanding it be deleted from my consumer report. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and I am demanding you to! I have attached where the creditor has my information inaccurate. I am the original creditor who provided credit according to 15 U.S.Code 1692a ( 4 ) so theres no need to validate this alleged debt, I am a consumer and a debt is obligated or alleged according to 18 U.S.Code 8. In order for something to be verified on my account it must be investigated according to 15 U.S.Code 1681a ( e ) and you failed to do that
Consumer complaint received 2021-09-30
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (NJ)

After Ally Financial Repossession $ XXXX Class Action Settlement I contact Ally Finance to get more information and to ask when they are going to remove this account from my credit report like is stated in the settlement. For my big sorprise even after this settlement and class action lawasuit Ally keept giving me fals, wrong and misleading information. 
First they told me they could not locate my person and their system and I need to contact XXXX XXXX  to get information, they transfer me to XXXX XXXX and get inform that I have no business with XXXX XXXX. I called Ally Financial back and from no where they locate me in their system.
Consumer complaint received 2019-09-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED AUTO ACCEPTANCE (FL)

2013 XXXX insurance paid off the total damaged vehicle. A representative called and said I had a balance that the insurance did not cover, she began to say if I don't pay It, then it would be reported on my credit as a repo, and damage my credit. I told her I shouldn't have to pay when the insurance paid the vehicle off. So with her saying they will report to my credit I said I can make payments. The company never sent me nothing in the mail of a balance or payments made. I explained to her I need something in writing before I can continue to send my money, as promised I didn't get it. So I looked on credit karma and behold its on my report of {$1300.00} showing charged off, bad debt, repo. I disputed then the balance change with payments made here and there up until this year which is a lie. I never heard from this people or received any documentations. I stopped sending my money after seeing the bad reporting on my credit with XXXX  and XXXX. I continue to dispute and still negative reporting. This is not fair to the consumer. This company has lied and reported false information on my credit report, and it should be deleted. Very fraudulent!
Consumer complaint received 2024-04-08
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

My husband gave me a {$100.00} gift card as a XXXX gift ( Amex ), and I was never able to use, tried different stores online and NONE of them worked. And yes, I already unlocked it to work online. And everytime I try they remove XXXX cents of the card. They literally stole our money.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (FL)

I have XXXX new hard inquiries on my credit report this year and I havent applied for anything this year. I need them removed from my report because they are fraudulent and theyre hurting my scores. 
The XXXX fraudulent inquiries and the dates they were added to my report are as follows : XXXX ( Bank ) XXXX XXXX, XXXX  XXXX ( Bank ) XX/XX/2024 XXXX XXXX ( Hotel and travel ) XX/XX/2024 XXXX XXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX XXXX ( Bank ) XX/XX/2024 XXXX
Consumer complaint received 2019-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc. (MA)

In XXXX 2019 I sent Peter Roberts a Validation of Debt Request and 93A Demand notifying them they are in violation of 209 CMR 18.17 Unfair Practices and 940 CMR 7.07 General Unfair or Deceptive Acts or Practices in that they are illegally reporting under their own name on a Massachusetts consumer credit report regarding an alleged medical debt. 
I stated I did NOT allow them to access my medical records and any proof of the claim would have to come from the medical provider directly. They replied with insubstantial " validation '' of their claim and ILLEGALLY accessed my medical records sending me statements directly with descriptions of my personal medical history. 
I sent them a second notice via certified mail in XXXX informing them of the HIPAA violations and the fact that they continued to report illegally. They ignored these documents. I sent them a third notice XXXX 2019. They continued to ignore attempts at communication and resolution. 
I would like this account immediately removed from my credit reports and Peter Roberts investigated for illegally accessing consumer medical records.
Consumer complaint received 2022-05-26
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've sent 2 certified letters to XXXX XXXX regarding a credit card account with a past due balance of XXXX that appears on my credit report. Two different letters were sent to verify and validate the accuracy regarding the balances and whom is responsible for servicing the account. No letters have be answered. 

I contacted XXXX XXXX via phone regarding the account and they advised another party is servicing the account that is appearing on my credit report and they provided a phone # and address. I sent a certified letter with matching certified numbers on the letter addressing my concerns on XX/XX/2022 and not received any correspondence as of XX/XX/2022. 

My integrity is being compromised as I am attempting to better my family and not being able to handle these credit reporting issues are hindering my abilities to do so.
Consumer complaint received 2022-05-26
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. (MI)

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below.. Also I have attached the letter I sent out and here is the tracking # s XXXX, XXXX, XXXX, According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 


List of inaccurate accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened my Adv Plus Banking checking account on XX/XX/2019 and received a letter ( see attached ) dated XX/XX/2019 confirming that I will receive a bonus of {$300.00} within 60 days of meeting the requirement : set up and receive Qualifying Direct Deposits equaling a total of {$4000.00} or more in your new personal checking account within 90 days from account opening. I received {$2000.00} direct deposit from my employer XXXX and XXXX on XX/XX/XXXX, and another {$2000.00} on XX/XX/XXXX. I have received {$250.00} direct deposit from them every month since, with a total sum far exceeding the requirements. Again this is not an ACH, but a direct deposit. It's not XXXX and I still have not seem the bonus post.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ACIMA CREDIT, LLC (TX)

After reviewing my credit report I discovered that there is an account on my report that is hindering my credit worthiness without my permission. This is in violation of 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 instructions
Consumer complaint received 2022-05-26
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. (MI)

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below.. Also I have attached the letter I sent out and here is the tracking # s XXXX, XXXX, XXXX, According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 


List of inaccurate accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kovo (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WESBANCO BANK, INC. (WV)

On XXXX, my husband used his debit card at XXXX for {$6.00} which resulted in our account being overdrawn by {$5.00}. At XXXX, 27 minutes later, I transferred a deposit in the amount of {$5.00} to remedy the negative balance. We were still charged an overdraft fee of {$35.00}. I went to the bank on XXXX at XXXX to deposit money to cover the days transactions and attempted to explain why the fee was erroneous, but my request for the refund was denied. I was told that because the debit posted and the deposit was still pending, the fee was legitimate. Again, there was a total of 27 minutes between the debit and the deposit, and the deposit was made prior to the XXXX deadline that I had previously been told was in place ( when a similar situation happened the day before and the fee was reversed ). 

We have been customers at this bank for several years and have never had this issue. There have been many times that my husband or I have been out and needed to use our card and then deposited the money later that day and fees were never assessed. When I explained this, I was told that the new system was to blame and the fee would not be refunded.
Consumer complaint received 2019-11-27
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. (VA)

What didn't you removed the hard inquiry despite the letters issued by XXXX XXXX  dated XX/XX/XXXX and XX/XX/2019, to you to remove the hard inquiry?
Consumer complaint received 2023-01-19
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. (WV)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-05-26
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. (GA)

In accordance with the Fair Credit Reporting Act 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 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

Trying to reach a " LIVE PERSON '' at Experian is the WORSE!!! I have questions about Experian Boost. This is a new service they are offering to help boost a persons score using utilities as part of the consumers report. I call the non toll free and toll free numbers with everything automated. I need a LIVE PERSON to speak with.
Consumer complaint received 2024-04-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

This final lease payment of XXXX was paid on XX/XX/2024. While Nissan has acknowledged that this amount paid is in full, I am greatly concerned that this companys erroneous attempt ( XXXX XXXX XXXX ) to collect an ( already ) paid debt has been reported to the credit bureaus and has caused severe damage to my credit standing. I am a little confused as to why Nissan sent my account to a collection agency? They have their car. They have their money. The account is paid. Did XXXX XXXX XXXX Free-Lance this action or is NMAC trying to do some double dipping?