davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

XX/XX/2021 I made a charge of {$15.00} on my XXXX beauty card. I updated my address and never received a statement. I tried to pay online but website was down several times. I called again to make a payment but there was a phone assist fee of XXXX. When I was finally able to get my payment made on the website I was charged a late fee. 
I made the payment including the late fee and the following statement in XX/XX/2021 I noticed an additional late fee of {$15.00} charged to my account. when I tried to make the payment again the website was down. I have been charged a total of two late fees which are of no fault of mine. This company is treating me unfairly and purposely trying to not allow me to make payments so it can charge fees. They are unwilling to assist when you call or refund the fee and hang up on you when you want to close the account. I want this account closed and I want my fees refunded.
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

My family and I moved out of our apartment on or around XX/XX/XXXX. At the time we moved out, our rent was current. I had given the apartment complex 60 days notice, pursuant to my lease as I had been there since XXXX. The property had been under several different management companies, and kept shabby records. When I notified them of my move, they filed a judgment against me stating that I owed over $ 5k. I have a copy of the email that was sent on XX/XX/XXXX and the complex 's response on XX/XX/XXXX. ( see attachment ) In the 3 years, that I resided at the property I maintained a good payment record with them. 
I started receiving calls in XXXX from Fair Collections & Outsourcing. I advised them that I didn't owe the debt. They kept calling incessantly, early in the morning, and late night hours. I have disputed this on all 3 of  my credit reports but have not been successful. 
They have not demonstrated any proof that I owe the debt. 
The apartment complex kept my security deposit and filed an erroneous judgment. 
We sent our 30 day notice via email. I have the email to proove it. 
In reading reviews of the debt collector, it appears that this is how they operate. They are rude and very disrespectful. I have maintained a good credit rating, and this has impacted my ability to purchase a home. 
I have also mailed a letter requesting that the debt be validated pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I have tried for the last month to contact Equifax. 
I call the dispute department and answer the questions. It says they can not verify my identity. I tried to contact them online, I answer all questions correct. It tells me to call them. I have mailed the documents, State ID, 1099, copy of bills etc to them. I have never heard from them. I have heard from XXXX and XXXX but I can not get into my account or contact equifax in any way. I answer all questions correctly yet it gives me an error message. I have a new cell phone number and I am trying to correct it on my credit report and on my fraud alert. I have no other means other than to write to them with documents. Yet I can not contact them. I am stopped. THey have someone's number right now and they do not have the correct phone number to contact me for a fraud alert. How do I contact them? Nothing works, not online, not on the phone, not by mail. 
Equifax Information Services LLC. XXXX  XXXX XXXX. XXXX, GA XXXX.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

This is not a complaint about any information on my report, only a complaint about the accuracy of my FICO score. 

I have a free basic membership with Experian and get monthly reports. It reports on 2 loan balances and they have been accurately reporting the balances as decreasing since XX/XX/XXXX. It accurately reported an increase one time and has been going down again. 

Suddenly on XX/XX/XXXX I was notified that my FICO score decreased by 23 points, from XXXX to XXXX. I looked at my free annual reports at the 2 bureaus that would show it online and there is no derogatory information. 

My complaint is that when calling on the phone I was told I can not dispute a FICO score. I was given the run-around and told by two different departments ( membership and complaints ) the same thing. There seems to be no way to determine why my FICO score would drop so precipitously within a month.

They kept telling me how complicated the algorithm is to figure FICO scores which I understand. But they SHOULD BE ABLE to tell me WHY it dropped.
Consumer complaint received 2021-12-23
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. (NC)

have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or removed immediately my credit report. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX. XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Unverified Account
Consumer complaint received 2023-01-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (KS)

Upstart has continuously charged interest on extra principal payments. When I started paying the monthly payment, the interest charge was reasonable. I paid a total of XXXX and was charged an interest of XXXX from it. As time went on Upstart began to take over 60 % as charge even after paying more.
Consumer complaint received 2023-01-20
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. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I purchased two refundable one way tickets from Chase XXXX Rewards program using my Chase Card for a flight from LAX to FLL on XXXX XXXX leaving XX/XX/XXXX. I paid using over XXXX in points plus {$150.00} via my Chase card.. On XX/XX/XXXX I tested positive for XXXX and changed the flight to leave on XXXX XXXX. I paid an additional {$510.00} using my Chase card due to the increase in price for the new date. Unfortunately on XXXX XXXX, I was ordered by the Health Department to postpone my trip to XXXX XXXX out of concern I might still be contagious. I called Chase XXXX Rewards  on that day and throughout that week to cancel and refund my points and the money I paid for both tickets. They have refused and asked me to pay 150 cancellation fee for the refundable ticket. I explained that it was refundable and therefore cancellation fee didn't apply because XXXX does not charge cancellation fee. They said the airline was charging this and it was out of their hands. When I called the airline they confirmed there is no fee to cancel the ticket and they cancelled the reservation for me without charging me. When I called Chase XXXX Rewards reps they still refused to issue my refund and said I needed to get it from XXXX even though I never paid XXXX XXXX any money directly. XXXX has also said they can not issue the refund since it was not paid directly to them. See attached screenshot with their letter to me. Chase XXXX Rewards  continues to refuse to credit my account the points and and monies I paid for the ticket. I would like help getting this credited back to my account.
Consumer complaint received 2021-12-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (NJ)

Eos cca took down the wrong bank account and or routing number for payments that I agreed to pay to XXXX XXXX. It was their mistake and when they said the payment didnt go through they reported it to the credit agency. They did not offer me the option to use a debit or credit card in the times they contacted me. They probably didnt want to pay the fees. As of XXXX21 XXXX XXXX is showing a zero 0 balance on this account yet they called me today and said I owe both payments. I understand that it can take up to 30 days for bank payments to clear. A payment was arranged for XXXX21 was my recollection. Eos cca called me again on XXXX-21. My bank XXXX show no returned checks to cca eos. The approximate amounts were {$310.00} each ie 2 payments on or about XXXX-21 and or XXXX21. This company also tried to get a higher settlement payment from me at first. It was only after they had the wrong account number and or routing number that they took down erroneously from me that they offered me a lower settlement amount. When the first payment didnt go through due to their error I disputed it with a credit bureau as the mistake was theirs not mine. Their repeated phone calls for their mistakes are harassment. XXXX XXXX  is showing the account paid off as of XXXX-21 and my bank shows no returned checks to eos cca.
Consumer complaint received 2021-12-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-12-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

When I told Wells Fargo I wanted to close my account, a few weeks ago, they told me I had to have a XXXX balance. Thats not easy to do without over drafting. I ended up over drafting and they say I owe over {$1000.00} because I over drafted. I kept getting charged overdraft fees especially in the last few months for every single bill, especially my payday loans and other creditors I owe, and that didnt help me get in good standing with any of them. To this day, I struggle to pay back what I owe because of Wells Fargo refusing to close my account and constantly charging overdraft fees for every transaction.
Consumer complaint received 2021-12-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2019-09-09
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.Q. DATA INTERNATIONAL, INC. (IN)

id int has put these XXXX XXXX XXXX and i have never lived there ever this is not mine I have to know knowledge of this account and it need to be deleted from my account so I can get me an apartment for me and my XXXX children to live so please delete this immediately
Consumer complaint received 2019-09-09
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: Credit Plus Inc (LA)

A company called Credit Plus made three inquiries on my credit report on three consecutive days. I never gave them permission to do so.

They then supplied my credit scores to a lender but the scores they provided were over 50 points lower than my actual scores.

I
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is 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 TransUnion 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 TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX - collection - XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (FL)

I received notification via online that I had a debt collection filled back in XX/XX/XXXX from a previous apartment complex I lived in. The debt was XXXX $ from XXXX XXXX XXXX   filled with the company Innovative Recovery. I called the collection agency on XX/XX/XXXX about the debt and they stated my old complex put that I still owed rent even though I left early for the prior month. I sent over emails between me and the property manager as proof that all I was advised to do was turn in keys and he would take care everything. Innovative Recovery never got back to me and when I recently did an application for rent I was denied because of this debt. I reached out to Innovative Recovery and spoke with XXXX around XXXX XXXX in which she stated XXXX XXXX responded that I returned keys on XX/XX/XXXX and owed rent for those days. I have documentation proving I returned keys XX/XX/XXXX and XXXX XXXX with held my security deposit of XXXX $ and also put on my credit report that I still owed them XXXX $ for 12 days of rent. I paid the XXXX $ only because I have to move and unfortunately I cant rent anywhere with a debt of this sort. XXXX XXXX was not truthful about the debt owed, had a false collection reporting on credit and with held my deposit.
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. ()

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.