davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (MO)

On XXXX XXXX XXXX, I submitted a complaint to the CFPB regarding the persistent refusal of Clarity Services to provide me with the sources of information found upon my consumer report and within my consumer file. I have filed numerous complaints regarding this issue and even spoke with the compliance XXXX after filing a complaint on XXXX XXXX XXXX The Fair Credit Reporting Act clearly mandates that a credit reporting agency MUST disclose the sources of information upon request by the consumer. I complied with the FCRA when requesting this information timely, provided written notice to the address specified by the business entity, and provided supporting and authenticating documents. I have spent in excess of {$500.00}, not including lost wages and lost wage-earning opportunities. The specific items of information which is the subject of this dispute and complaint are items of information stemming from acts of identity theft. See CFPB complaints XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2019-08-08
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: AMERICAN EXPRESS COMPANY (KS)

Between XX/XX/XXXX and XX/XX/XXXX there have been numerous inquiries on my various credit reporting agency. 

I have reported the fraud to all reporting agencies ( XXXX, XXXX and XXXX ) as well as called each creditor reporting inquiries on my reports with these agencies. 

XXXX has been unhelpful removing the inquiries. 

American Express has REFUSED to remove the fraud inquiries but has marked them as such internally - the inquiries are still on my report and have affected my ability to obtain new credit and have damaged my scores which is costing me a lot of money in higher interest rate loans now. AMEX accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

XXXX XXXX and XXXX have also accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

XXXX, XXXX and XXXX all still show inquiries on or about on XX/XX/XXXX thru XX/XX/XXXX which were all fraudulent attempts at obtaining credit in my name and social but at wrong addresses and unknown phone numbers. I have called each of these creditors and advised them of the fraud but they are not removing the inquiry reports to the CRA 's.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

I spoke with a representative today at Comenity Bank for my Torrid Credit Card. They helped me with a hardship plan for my credit card and states now I will be in good standing. Due to the CARES Act, I would like Comenity Bank to remove the 30 day late payment from my credit report.
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (GA)

We experienced a natural disaster on XXXX XXXX XXXX and have had many difficulties from New American Funding. Our insurance company was very pleasant to work with but New American is not being easy to work with on getting our home back into order. We still continue to have a hole in our roof and it's XXXX XXXX XXXX. The lack of urgency and care is so inhumane. We are at a loss with them and have exhausted all resources.
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (NC)

On the day of XX/XX/XXXX, I reviewed my credit report to find the following inquiries that I DID NOT AUTHORIZE ... nor could have authorized due to the fact my credit files are all locked. The stated inquiries are : XXXX XX/XX/XXXX, and also XXXX XXXX XXXX XXXX, XXXX. These inquiries were not authorized nor made by me.I have challenged these with Equifax recently, as well as called them by phone, only for them to tell me these inquiries are factual. They CAN NOT BE FACTUAL WHEN MY CREDIT FILE HAS BEEN LOCKED, so there's no way an inquiry could even be made. Tell the truth EQUIFAX and start conducting legitimate investigations into consumer 's files.
Consumer complaint received 2019-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (FL)

I went to XXXX XXXX in XX/XX/XXXX for a full set of dentures. I was told my portion would be {$960.00} which would have to be paid in full before work could begin. I paid this on XX/XX/XXXX. Work completed as far as they could in XX/XX/XXXX. I only have uppers that are usable. Later in XX/XX/XXXX I received a handwritten bill stating " Balance due {$750.00} ''. I wrote and asked why. No response. Received a 2nd notice stating the same. " Account Balance : {$750.00} ''. Still no statement of account saying why this was owed. Several days later I received notification from my insurance company that they were denying the claim filed on my behalf because it was filed too late ( beyond 6 months after service ). So I responded to XXXX once again and stated it was apparent they were trying to collect from me because they failed to bill my insurance in a timely manner and that based on that I did not owe this debt. They immediately turned this over to AWA Collections who has proceeded to submit updates to my credit report at least 2 times a month raising the amount owed. They are charging " Interest & Fees '' apparently monthly or bi-monthly for a debt I do not owe. This is damaging my credit score which I have worked hard to improve since my divorce. For a debt that I do not owe. So what started as a {$750.00} dental bill that I do not owe, is now showing as 4 different derogatory comments against me in the last 6 months and the amount has increased to {$800.00}.
Consumer complaint received 2023-03-07
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: Affirm Holdings, Inc (NJ)

I utilized Affirm to make several purchases at XXXX. I paid all of them off except one due to unforeseen circumstances. I reached out to Affirm to settle the debt and was told it was too late??!! I never received anything regarding the balance from a collection agency. Now, my credit report is showing 3 different balances past due since 2017. Still no information is provided regarding balance or payment schedule. I know that I don't owe 3 and how can I possibly rectify it?
Consumer complaint received 2023-03-01
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: HW Holding, Inc (GA)

Each month I have reported the discrepancies to each bureau about eh account of Hunter Warfield. The reporting dates are inaccurate on all 3. I never received a full report after requesting it. The amount and reporting of the account does not belong to me and I was never on the lease. After requesting original contract and asking for the dates to be confirmed it was never rectified. I never agreed to the credit bureaus reporting this account, I have no knowledge of this account and It continues to be unheard. 

In accordance with the Fair Credit Reporting act, Hunter Warfield account 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 2024-03-13
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. (NY)

This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2023-03-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (GA)

I was sold almost 25 to 30 solar panels with the advertisement stating that the panels would cover my electric bill. I would get a tax credit when filing my taxes. This has been a nightmare, I have been paying for these panels and The light bill company for a year, That's almost XXXX XXXX dollars a month. Money I do no have, I have called XXXX several times to let them now that these panels are not working. They continue to beat around the bush claiming to be sending some one out to check the panel. No one has come out yet. Our light bill shows the panels are not producing any solar. We have sent them our light bill months ago, no one has came out yet. They will call me for that payment every month, and no one will send some one out to fix this problem. 
I have read how this company has been treating their costumers for years. Everyone has the exact same complaint. And the sad part is looks like the problem can not be resolved
Consumer complaint received 2023-03-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX loan through Capital One was totaled and written off in XXXX. I had GAP insurance on the vehicle through XXXX XXXX to pay off the remainder of the loan. 

Capital One still has an open balance for me for {$380.00} when the total remaining balance should have been paid in full by XXXX.
Consumer complaint received 2023-03-07
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. (MD)

According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between XXXX  XXXX and XXXX XXXX the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. I would like the aforementioned information to be deleted pursuant to the law mentioned in the above sentence all late payments, and or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account information.
Consumer complaint received 2019-11-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TCF NATIONAL BANK (GA)

Sent a dispute letter asking for the Original creditor name and address under 15 USC 1692. Never answered by affidavit and stole the car when a cease of collection of debt after put in dispute in violation of Fair Debt Collection Act, XXXX XXXX, The XXXX XXXX XXXX and non-consentual tow. I am a consumer and not a artificial entity. I am not deceased.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Credit Bureau Transunion I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXXXXXX XXXX. Account number, XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Background information : I am a resident of the state of California. California Code, Civil Code CIV 1747.85 states " Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so unless the cardholder is or has been within the last 90 days in default of payment or otherwise in violation of any provision of the agreement between the card issuer and the cardholder governing the cardholder 's use of the credit card or unless the card issuer has evidence or reasonable belief that the cardholder is unable or unwilling to repay obligations incurred under the agreement or that an unauthorized use of the card may be made. 
Nothing provided herein shall be construed to prohibit a card issuer from placing the account of a cardholder on inactive status if the cardholder has not used the card for a period in excess of 18 months or from requiring that cardholder, upon subsequent reuse of a card, to provide to the card issuer such updated information as will enable the card issuer to verify the current creditworthiness of the cardholder. '' XX/XX/XXXX : At this time, I had a consumer credit card account open with Wells Fargo in good standing. The credit card account had a rewards account associated with it with a balance of XXXX " XXXX XXXX Rewards '' points, earned from purchases made on the credit card account. As part of the rewards program for my credit card, these points were redeemable for up to a value of {$0.00} for each point, with at least XXXX points required to make a redemption, and additional points could be earned by making purchases with the credit card account. 
XX/XX/XXXX : Wells Fargo issued a letter stating that they had made the decision to close my credit card account, that the account could no longer be used to make purchases, and that the rewards balance associated with the account would be forfeit. 
XX/XX/XXXX : Said letter was received by me via USPS. Upon checking the account through the website, I verified that the account was closed and that the associated rewards account had XXXX " XXXX XXXX Rewards '' points deducted from the account balance leaving a balance of XXXX. The balance of XXXX   points in the account was unable to be redeemed since the minimum redemption amount is XXXX points, and it is impossible to earn additional points since the associated credit card account was closed. 
XX/XX/XXXX : I inquired on the matter with a Wells Fargo banker at a bank branch. No additional information on the closure was provided to me. I opened a dispute with Wells Fargo to request reopening of the account and a reinstatement of the rewards account point balance.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

I changed bank accounts after experiencing a fraudulent charge that my bank wasn't willing to fix. Shortly after I opened and funded my new account, I contacted XXXX and asked them to please send me a way to pay my account. They sent me a link that wasn't working to make a one-time payment. I then tried to log in today and update my bank account ( this is the 4th time since XX/XX/2022 ) and again it does not allow this. I then emailed yet again to ask for a way to fix my account. I was able to click the link and make a payment today, but the company has added late fees to my account and reported my account as 90+ days past due. My account is past due and over the limit only because they will not allow me to make a payment or update my information. Included is proof of my initial email and my payment confirmation.
Consumer complaint received 2024-04-05
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: LEXISNEXIS (VA)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2023-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX XXXX XXXX : XXXX Birthdate : XX/XX/XXXX Account number : XXXX How many laws will you allow this company to abuse before stepping in and protecting consumers? 

1. ) First investigation they did was not conducted correctly because if it was they would've seen the huge discrepancies on my account. They said it was verifiable & complete & accurate information. 
2. ) Reinvestigation came back with the same result. I gave them multiple opportunities to conduct a fair and accurate investigation. Instead of doing their due diligence I suffered by not being able to receive a personal loan. Also defamation of character as I went into my bank and was denied DUE TO THIS COMPANY not completing a proper investigation 3. ) They have now chosen to harass and cause me anxiety not only while WORKING on a dangerous road but by mailing me a paper with language stating on it that I owe a Debt that is inaccurate and incomplete. 
Again I ask : How many laws will you allow this company to abuse before stepping in and protecting consumers? 

Law they are violating : The Fair Debt Collection Practices Act ( FDCPA ) Account number : Inaccurate info XXXX & XXXX ( XXXX ) or XXXX ( XXXX ) Date of last activity : Inaccurate info XXXX : ( XX/XX/XXXX ) or XXXX : ( XX/XX/XXXX ) or XXXX : ( XX/XX/XXXX ) Date Opened : Inaccurate info ( I have proof ) Payment status : Inaccurate info ( I have proof ) Past due Amount : Inaccurate and incomplete info ( I have proof ) Account status : Inaccurate info ( I have proof ) 1. Continued attempts to collect debt not owed or properly investigated due to intentional negligence 2. Illegal or unethical communication tactics 3.Many more illegal debt practices like privacy laws being violated
Consumer complaint received 2023-03-07
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: SYNCHRONY FINANCIAL (GA)

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 account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Consumer complaint received 2019-08-08
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. (GA)

XXXX XXXX - XXXX XXXX is reporting a collection # XXXX that I do not owe. I have already paid this collection off and they violated my 30 day right when they initially sent the collection. It is on my credit and should not be and I would like it removed, I do not know if it is on there as XXXX XXXX  or XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I recently paid a balance in full on XX/XX/2024, with Capital One, and on XX/XX/2024, a {$44.00} fee was placed on the account. I called in to inquire why the fee was there and how it was calculated. No one could initially tell me. I called again and was later told daily interest. As a long-standing customer, I asked to have the fee removed and was told I could not have it removed. When I inquired why I was told factors were in place but I was not allowed to know what those factors were. It had nothing to do with me never having a fee waived before or my loyalty as a customer, just the fact I was not allowed to know why.
Consumer complaint received 2023-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (WA)

I accordance of the Fair Credit Act this creditor, Santander/Chrysler Capital , Account # XXXX has violated my rights under 15 USC section 602, states I have the rights to privacy. 15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 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 2022-12-15
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. (TX)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( A ), I have sent letters to XXXX, XXXX and Equifax. XXXX and XXXX have sent letters back but the incorrect information was not fixed at all. Equifax has not responded at all and its been more that 30 days its been 90 days and it is still negative incorrect information on my credit report. This is beyond ridiculous and unacceptable! They continue to report harmful stuff on me and violating my rights. Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX