davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

I updated my autopay ( for second time ) to make certain statement balance was paid ( no left over money due after payment to accrue interest ). The first request, which I made last XXXX, was changed ( without my consent ) to minimum payment autopay. I discovered the issue in XXXX and called immediately to re-establish the statement balance autopay. I then received a letter ( Dated XX/XX/2022 ) stating the statement balance would be applied for autopay. The date of XXXX XXXX effective date was listed on the letter and the amount of the payment ( {$980.00} ) to be automatically paid. ( see image of letter attached to this complaint ) The credit card company ( Barclays USA ) did not make any attempt to collect the payment from my bank on XXXX XXXX I verified the lack of attempt to collect the payment with my bank! ( see attached email from XXXX Banks ) Despite Barclays failing to make any attempt to collect the payment which I authorized, the credit card company reported the account past due, charged me a late fee and interest! ( See attached copies of my Credit Card Statement ) This is the second time Barclays Bank has done this to me!
Consumer complaint received 2021-11-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C. (AZ)

RECEIVED A LETTER ON XX/XX/XXXX STAMP DATED XX/XX/XXXX FOR GARNSHMENT LETTER GAVE ME 10 DAYS TO RESPOND BACK HOWEVER WHEN I CALLED THE SAME DAY XX/XX/XXXX I WAS TOLD THE FUNDS WERE ALREADY BEING GARNISHED AND THERE WAS NOTHING ELSE TO DO BUT PAY OFF THE BALANCE. I PAID OFF THE BALANCE AND WAS TOLD TO GIVE THEM FAX NUMBER AND THEY CAN FAX ME THE RELEASE OF GARNISHMENT IN 24 HOURS. XXXX HOURS LATER HAVE NOT RECEIVED ANYTHING AND KEEP CALLING AND GETTING THE RUN AROUND. ALSO THIS DEBT IS OVER 10 YEARS OLD WHICH IS ILLEGAL AFTER 4-6 YEARS. 
I ALSO FEEL ITS VERY WRONG TO GIVE US THE RUN AROUND WHEN WE ARE TRYING TO DO THE RIGHT THING. I ALSO EMAILED WITHIN THERE WEBSITE ASKING ABOUT PAYMENT ARRANGMENTS AND ALSO MORE INFORMATION REGARDING THE DEBT WITH NO RESPONSE BEFORE THE GARNISHMENT. THEY DID ALOT BEHIND MY BACK TO MAKE IT LOOK LIKE WE WERE UNRESPONSIVE.
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (FL)

I received a letter from PayPal by the date of XX/XX/22 PayPal invoiced me to pay {$220.00} which will be deducted from my account in 24 hours with no notice. I dont owe any debt to PayPal Im a consumer and they can not validate I owe a debt.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

Equifax made available through it's data product " The Work NumbeXXXX '' aka " XXXX '' details about my income, employment history, and tax/medical withholdings without my consent. 

Following the instructions on the Equifax website ( https : //employees.theworknumber.com/employment-data-report ) here to opt out and " Freeze '' my data resulted in no response within the 3-day window.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have had this card for years and it has been set to autopay the minimum balance. I recently paid the card off and then when I started using it again it reactivated auto pay, but for the full statement balance of {$530.00} instead of {$25.00}. I called on the 22nd when I noticed the error but the payment had already started processing and they couldnt cancel it. When it went through on the 23rd I called again to be told that there would be an investigation but I would not get my money back for at least 7 days if at all. 

I would never autopay the full balance as I dont always know what it is because I use the card frequently.
Consumer complaint received 2021-11-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

I WAS SICK IN THE HOSPITAL WITH XXXX  AND THEY REPORTED A LATE PAYMENT TO THE CREDIT BUREAUS ALL XXXX AND IT DROP ALL XXXX OF MY SCORES BAD I NEED THAT REMOVE I RECENTLY PAID OFF MOST OF THIS INSTALLMENT LOAN I NEED THE LATE PAYMENT REMOVED
Consumer complaint received 2022-10-02
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. (GA)

In accordance with the Fair Credit act XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2021-11-24
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. (WA)

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2022-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in p
aragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-03-02
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. (GA)

XX/XX/XXXX I pulled my free annual credit report.  After going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX  account opened XX/XX/XXXX with charges exceeding {$5000.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1300.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$6100.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1100.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}. I have filed a complaint with the FTC, please see attached complaint report.
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The information regarding XXXX XXXX for the Installment Loans has the payment history incorrect. I have filed forbearance in the past to ensure that my payment history was not impacted. During the alleged late payments, I was experiencing great financial and living hardships. I was homeless for so many years and did not start to get back on my feet until the last 8 months. I had no shelter to live in and finances were tough to come by and I had already submitted a request to have this information removed from my payment history. The company did not send me anything in writing stating if this has been full removed and updated internally as well as with the 3 credit bureaus. Please get my history updated to reflect as on time 100 % payment history. I should not be penalized for not always having access to my account and for not being able to keep up with payments, when it should have been under hardship forbearances, due to my inability to make ends meet. Since I been back on my feet, I have proven and shown that I can maintain exceptional payment history. Thank you.
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (TX)

I had to order a new card for my account because the one I had I lost it. The new card came I tried to activated it wouldnt let me. At that time they said I had to wait 15 days. I waited the 15 days then I went XXXX to try and activate it and it still wouldnt. I chat with a representative and they said my account was but on limited conditions where I could only send and receive money or cash out to my linked bank account due to a violation of their terms. I kept asking what it was because I never did anything but what the account was intended for collecting payments from my clients. Then they closed my account completely and said I could only withdrawal money. Today I read the terms and the number for customer service was listed. I called to asked for specific reason where i violated their terms because after reading the terms I didnt see anything I did wrong. The guy who I spoke to said they cant give me the specific reason its only for internal. I then asked to speak to a supervisor and the guy refused and hung up the phone on me.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AZ)

I filed a dispute with experian and I mailed additional information and they closed my dispute without receiving/viewing my mailed documents I mailed XX/XX/XXXX. 
This dispute was in regards to a XXXX XXXX XXXX which is financed with XXXX XXXX XXXX which is a predatorial financial institution and the XXXX on the loan is almost 29 % the vehicle was a lemon it literally broke down the same day the contract was signed it had a fuel line leak and I co-signed for the other person on this loan and we took the vehicle back to the dealership that we got the car from and I gave them a notice of cancellation for the contract which they disregarded and sent the car home with their technician of XXXX XXXXears and the motor blew and the dealership as well as the financial institution are refusing to cancel the loan it has gotten to the point where I had to file a restraining order on the person that I co-signed for and I included a bunch of documents for the dispute and Experian closed my dispute without receiving or reviewing the documents because they were just mailed last week and put the loan as remains status the financial institution for this loan has had many lawsuits for usury and the loan should have been cancelled the day after the contract was signed because I gave a notice of cancellation as well as the that the vehicle had mechanically were unacceptable be loan through XXXX XXXX needs to be removed off of my credit
Consumer complaint received 2021-11-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2024-06-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MO)

A week ago I reported a series of XXXX purchases and credits that I dis not make. Chase stated that they had to close the account. I have reoccurring purchases that need to be covered tomorrow and need to know when I will receive the new cards which should have been issued and mailed immediately. They will not provide me any information on when I should receive the new cards and my XXXX XXXX payment was denied after requesting the card status.
Consumer complaint received 2020-02-29
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. (SC)

I do not want a fraud alert, that only hurts the consumer and doesn't protect against anything. 
Three months ago I contacted Equifax, XXXX, and XXXX   concerning unauthorized inquiries, that stem from someone usage or attempted usage from the compromised social security number instituted from the dark web, no accounts were opened but inquiries were listed, Equifax upon contact agreed to remove the ninety one inquiries on Equifax, sixty eight on XXXX, and 51 on XXXX   subject to that correspondence, as of this date, they haven't removed a thing, I just want them to honor their statement and remove the ninety one subjected inquiries.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Advantage Finance, LLC (OK)

Showing i owe {$9800.00} on auto loan with Auto Advantage Finance the true loan balance is {$3900.00}. Also showing 8 months of finance but it's was 36 months of finance with 8 month remaining. XXXX is way behind with updates. This is hurting my score and XXXX
Consumer complaint received 2021-11-24
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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results. This is unacceptable and needs to be investigated.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services (NC)

I received notification that a hard inquiry hit my credit report on XX/XX/year>. I reached out immediately to this company to find out how they have my info and to shut it down since I didnt start this loan request. I didnt receive a response. The next day I received a call from a rep asking if she could finalize my loan. I told her no, shut it down since it was fraud. I asked how it happened and for the investigation. She shared if I had already reached out I would be contacted shortly. No response. I need to have this removed off my credit report immediately. I also need to know who authorized this loan, where they are trying to have this money sent, and how this happened. This is unacceptable for them to receive a report that someone is fraudulently trying to open a loan and they just ignore it.
Consumer complaint received 2022-02-07
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. (NJ)

I am a victim of identity theft, I am writing to request that you delete these unauthorized and unverified items immediately, within 4 days upon receipt of this correspondence. I have continuously request that the credit bureaus provide me an original contract with my signature stating that I have gave them permission to furnish a consumer report with my consent. The credit bureaus fail to do so, so I was forced to file a police report due to fraudulent activity by my FCRA rights being violated under 15 USC 1681 ( B ) when a consumer report was furnished without my consent. And if these items aren't deleted and blocked immediately, I will be forced to contact my attorney to pursue with federal charges. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please remove and block this fraudulent information per sections 605B, 615 ( F ) and 623 ( A ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the Following Fraudulent accounts be deleted and blocked from my credit file : XXXX # XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2021-11-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NM)

I have sent over 3 rounds of letters to the bureaus and they are not responding in a timely manner, it has been well over 30 days and I have not received anything back. They also are violating FDCPA section 807, as this is leading false reporting.
Consumer complaint received 2016-01-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (CA)

The car was towed by BMW and was damaged slightly. 
The payments were all made on time. 
I disputed the XXXX damages and the XXXX towing fee in Court. 
BMW supervisor on the phone said they would reduce it to the {$6200.00}. 
This was then paid off as agreed. 
XXXX and the other Reporting agencies have it correct. 

Please tell Transunion to change to Paid as Agreed. 
This is dramatically damaging my credit score and is not correct. 
Thank you
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX 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 2024-06-16
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

This company is reporting inaccurate information on my credit report. I have tried contact them by mail and my mail keeps getting returned.
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC (TN)

Capital Accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Capital Accounts called for someone I know personally. However, neither of us have provided Capital Accounts with any contact numbers including the number Capital Accounts called that is considered " XXXX '' and is not given to just anyone. 

When I spoke with XXXX other Capital Accounts Repetitiveness including XXXX, they refused to disclose how they obtained my " Private Number. '' XXXX also refused to verify the address I provided here and further refused to provide actual address of Phone Number XXXX by stating he found " No Outbound Call '' which came to my " Private Number '' and is how I obtained the phone number XXXX as Capital Accounts. 

FCC Complaint # XXXX XXXX XXXX