davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
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: Atlanticus Services Corporation (CA)

I had a problem with a hotel reservation when I showed up to the hotel they gave me the key room and number I went into the room it smelled like XXXX I have small kids and an elderly person with me so it was not a safe environment for any of us that actually gave me a XXXX. Less than 30 minutes later I went back to the front desk I explained the problem and told them I could not be staying in a room that smells like this I would have to find another room and that they did not have authorization to charge my card the room is unfit and I would be leaving. They charged my card they have fought me over it I have made a complaint with my credit card company they are not reversing the charges at this time I've told them on two different occasions once in person over the phone and once in a letter written to him that I went through and spoke to the front desk told him not to charge my card they were authorized I told the manager on two different occasions they were not authorized to charge my credit card I've advised this to my credit card company and I'm still having issues and being charged for 30 minutes of being in the hotel at {$400.00} I don't think this is fair to a consumer to have to spend hours and days and hours to try to get their money back when they told him that they couldn't charge my card
Consumer complaint received 2023-03-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (AL)

I have bought an 18k solid gold ring from XXXX known as XXXX for XXXX dollars on XX/XX/XXXX and I paid with affirm.com as 3 payments. I received the ring which is SUPPOSED to be 18k solid gold but when I tested the ring it was gold plated 14k gold only and not solid 18k gold and the band was done so very thin that it looked as if it was stretched to resize it to a bigger size and the ring was supposed to be 9.6grams but I received a 6,8 grams ring and that is 33 % less weight that what I paid for and also it is NOT real gold and it is NOT 18 k solid gold so I was scammed by XXXX ( XXXX ). I opened a dispute case with affirm.com on XX/XX/XXXX and until today they have done nothing to refund my money and they still have not given me a decision. I sent them all the documents and evidence they asked for but NO response from affirm.com. Affirm.com needs to decide this dispute case in my favor and refund me XXXX the money of XXXX dollars. I gave them all the evidence they asked for and the test that it shows it is NOT 18K solid gold. It was gold plated 14k gold and that is fraud from the seller XXXX ( XXXX ). Affirm needs to resolve this dispute case to my favor and NOT ignore it and its been more than 30 days since I filed the charge dispute
Consumer complaint received 2020-09-30
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)

I had 2 accounts with XXXX XXXX XXXX. Both accounts were paid off in full XXXX balance on the 1 on XXXX XXXX 2018. The other account was paid in full XXXX balance on XXXX XXXX 2018. Company had reported to all 3 bureaus on XX/XX/XXXX to XXXX XXXX 2018 that accounts had XXXX balances and accounts reported being closed XX/XX/XXXX to XX/XX/XXXX 2018.Which was correct and accurate. They then reported XXXX that both accounts still had original balances and I was hit with missed payments late fee 's on both accounts. this dropped my credit down 200 points. I have my receipts of payment made in full and lien release paper and title to my vehicle witch was used as collateral. I had submitted numerous disputes with all 3 bureaus. to the extent of physically mailing in everything I'm going to attach to this. Contacted the company numerous times to. They tell me they never got paid. Which is a lie thank goodness for receipts when payments are made. Cant prove they received cash without them! They change there story all the time to. Never the same dates amounts complete bogus. They refuse to remove this from my credit along with the 3 bureaus. Showed the company copies of my receipts they refuse them how's that even possible? Then the posted amounts taken from my bank account. Still not good enough. there monthly billing statement reflecting the XXXX balances still not good enough. I got nothing else to show or prove..
Consumer complaint received 2020-09-30
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. (PA)

I had 2 accounts with XXXX XXXX XXXX. Both accounts were paid off in full XXXX balance on the 1 on XXXX XXXX 2018. The other account was paid in full XXXX balance on XXXX XXXX 2018. Company had reported to all 3 bureaus on XX/XX/XXXX to XX/XX/2018 that accounts had XXXX balances and accounts reported being closed XX/XX/XXXX to XX/XX/XXXX XXXXWhich was correct and accurate. They then reported XXXX that both accounts still had original balances and I was hit with missed payments late fee 's on both accounts. this dropped my credit down XXXX points. I have my receipts of payment made in full and lien release paper and title to my vehicle witch was used as collateral. I had submitted numerous disputes with all 3 bureaus. to the extent of physically mailing in everything I'm going to attach to this. Contacted the company numerous times to. They tell me they never got paid. Which is a lie thank goodness for receipts when payments are made. Cant prove they received cash without them! They change there story all the time to. Never the same dates amounts complete bogus. They refuse to remove this from my credit along with the 3 bureaus. Showed the company copies of my receipts they refuse them how's that even possible? Then the posted amounts taken from my bank account. Still not good enough. there monthly billing statement reflecting the XXXX balances still not good enough. I got nothing else to show or prove..
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NY)

In accordance with the fair credit Reporting act XXXX Account ( Nordstrom TDBankUSA ) ending in 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 an 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 any purpose.
Consumer complaint received 2023-01-06
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. (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-16
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-30
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: Synovus Bank (WA)

I made overpayments to me secured card hoping to increase my credit limit. They company claims to have refunded me but I have never received any repayment
Consumer complaint received 2024-04-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Dear Sir/Madam, I am writing to dispute the validity of a debt that Fair Collections & Outs has reported to my credit report. According to the information provided on my credit report, Fair Collections & Outs has claimed that I owe a debt in the amount of {$16000.00} to the original creditor, XXXX XXXX. However, I have reason to believe that this debt is inaccurate and should not be reflected on my credit report. 

Upon reviewing the entry for this alleged debt, I have not been provided with sufficient evidence or documentation to verify its validity. Despite numerous attempts to obtain validation of the debt from Fair Collections & Outs, I have not received any documentation that establishes my liability for the debt in question. 

Therefore, I am formally disputing the validity of this debt and requesting that Fair Collections & Outs provide me with the following information to verify its accuracy : Documentation showing the original creditor, XXXX XXXX, and the account number associated with the alleged debt. 
Itemized statements detailing the charges, dates, and nature of the transactions that purportedly resulted in the debt. 
Any contracts, agreements, or other legal documents that establish my liability for the debt. 
I understand that under the Fair Debt Collection Practices Act ( FDCPA ), Fair Collections & Outs is required to provide me with verification of the debt upon my request. Failure to provide this information will result in a violation of my rights as a consumer. 

In the meantime, I request that Fair Collections & Outs cease all collection activity on this alleged debt until such time as they have provided me with the requested evidence and I have had an opportunity to review it. 

I have enclosed a copy of my credit report, highlighting the entry for the alleged debt reported by Fair Collections & Outs, for your reference. I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and ensure that my rights as a consumer are protected. 

Thank you for your attention to this dispute. I look forward to receiving a prompt response and resolution to this matter.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

I called Equifax and XXXX to request items on my credit report be deleted. The accounts were two XXXX accounts. I was told the deletions will take place within 24-72 hours. The deletions did not occur and the accounts were " updated ''.
Consumer complaint received 2020-09-30
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: Experian Information Solutions Inc. (GA)

I sent certified letters to Experian and XXXX XXXX disputing an account they are reporting on my credit report, I asked for proof/verification, copy of the contract or signature of the account, none of which was provided, this is not my account and I would like them to provide me with proof of this unverified account and why they are reporting this on my credit report.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OH)

I have contacted Experian - repeatedly. I hired an Attorney to submit a Dispute Letter and Documents to dispute the item. This item has remained on my Credit Report - without Experian investigating OR providing me with a copy of the/any proof Experian had received to substantiate the item. 

I forwarded my 3rd Letter on XXXX/XXXX/16. I forwarded a copy of the same Letter to the XXXX Ombudsman.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

XXXX, Experian and XXXX reporting for Acct Number : XXXX : On XXXX, Acct # XXXX is being reported with missing Date of Last Activity, missing High Credit and Date of Payment shows XX/XX/2012 ; However on XXXX it is reporting Date of Last Payment as XXXX/XXXX/2012, and on Experian, Date of Last Payment is missing, High Credit and several account terms are missing. 
On a few separate occasions I have disputed with all XXXX credit bureaus XXXX, XXXX, and Experian pertaining to Acct # XXXX and each time it has been 'verified ' by XXXX XXXX XXXX . I have included the excerpts of my credit reports showing how these accounts are reporting
Consumer complaint received 2020-09-30
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: Experian Information Solutions Inc. (NV)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXXXXXXXXXX  XXXX {$800.00} XXXX  XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX  XXXX XXXX   XXXX {$1600.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$9800.00} XXXX XXXX {$3900.00}
Consumer complaint received 2020-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX  XXXX {$800.00} XXXX  XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} FIRST XXXX XXXX   XXXX {$1600.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$9800.00} XXXX XXXX {$3900.00}
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Choice Recovery, Inc. (NY)

choice recovery trying to exploit money for XXXX XXXX  for XXXX  which wasnt paid because XXXX XXXX  failed to do the job on retaining a XXXX condo  which my new attorney retained. i fired XXXX XXXX  for not doing the job.XXXX  wanted me to sign a quit deed with a practice manager as my attorney. my new attorney is seeking legal action against choice recovery and damaging my credit score
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

To Whom It May Concern : I reached out to Experian to dispute an item that appeared on my credit report. While Experian stated that it investigated the dispute, and has now resolved the dispute. I received no information on how the dispute was resolved or whether it is a reasonable way to resolve the dispute. The information contained on my credit report is inaccurate. There appears to be some third party debt collector to whom I 've never received any communication for a bill that was paid directly to the creditor. 

Thanks.
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX, I received an email from our supplier including CC to other employees of XXXX XXXX XXXX requesting we update their bank details to Chase bank. The bank details were an attachment on company letterhead. 
I received several other emails regarding payment until the date we transferred the funds in three wires from XXXX XXXX XXXX to Chase Bank. Here is the amount of each transfer : XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX XXXX XX/XX/XXXX {$84000.00} XX/XX/XXXX XXXX XX/XX/XXXX {$21000.00} XX/XX/XXXX the total {$100000.00} After the transfer was made, I was contacted by the General Manager Logistics and Customer Support at XXXX stating they had not received the funds. I sent the payment remittance, they replied that the emails requesting the bank details updated was fraud. 
We filed a fraud case at XXXX XXXX and to recall the funds. XXXX XXXX was unable to retrieve the funds. We contacted Chase Bank but were told they could only submit to requests from XXXX XXXX.
Consumer complaint received 2020-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

My loans have been paid off the same account, but the FEDLOAN does not reflect that. The payments should be the same, as they have been made on the same payment account. 

XXXX XXXX XXXX XXXX XXXX {$33000.00} Remaining / Disbursed on XX/XX/XXXX XXXX/XXXX Qualifying Payments Expected Forgiveness Eligibility  XX/XX/XXXX XXXX Eligible Payments 93 QualifyingPayments 6 PaymentsNeed Employment Certification 10 Ineligible Payments 2 XXXX  XXXX  XXXX XXXX {$34000.00} Remaining / Disbursed on XX/XX/XXXX XXXX/XXXX Qualifying Payments Expected Forgiveness Eligibility XX/XX/XXXX XXXX Eligible Payments 18 QualifyingPayments 6 PaymentsNeed Employment Certification 85 Ineligible Payments
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-03-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

USAA Insurance claim for roof repair for XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX USAA member # XXXX I have been USAA member for over 25 years The delays, untimely and confusing communication and lack of responsiveness has caused me personal financial hardship I am a XXXX  and have an XXXX and have worked in XXXX XXXX XXXX XXXX for over 20 years A process is broken and it is unacceptable XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

I did a random credit report pull from XXXX. I noticed multiple fraudulent accounts were reporting on my personal credit report. I have never opened any of these accounts and I have tried multiple times to contact the credit bureaus to resolve this issue. We are still in contact the credit bureaus to resolve this issue to no avail. We are still in contact with these companies to have this false information and fraudulent accounts off of my credit report.
Consumer complaint received 2022-11-05
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: FirstPoint Collection Resources (IL)

On XX/XX/2022, FIRSTPOINT COLL RESOURCES INC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA FIRSTPOINT COLL RESOURCES INC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-09-30
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: CIT BANK, NATIONAL ASSOCIATION (NV)

My husband and I were granted a loan modification ( short sale ) on XXXX XXXX, 2020. I lost my job due to coronavirus, and thankfully we found a short sale buyer. Despite having always paid our mortgage on time, we were told that we had to be 30 days late in order to close. After closing, Mutual of Omaha reported our 30 day late status to all 3 bureaus. This should never have happened because our loan modification occurred during the time of the CARES act enforcement and our payments were current prior to the modification. 

I first disputed this with Mutual of Omaha on XX/XX/XXXX, and they responded to me with the attached email of XX/XX/XXXX in which they refuse to report my account as current to the credit bureaus. When I did not hear from Mutual of Omaha after a month, I decided to dispute with the three credit bureaus. Both XXXX  and XXXX  removed the late month from the payment history, but continue to show a 30 days late indicator, which seriously impacts both my and my husband 's credit rating. XXXX  did not change the report at all.