davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (CA)

I am submitting this complaint to request the cfpbs agency help. Maybe through this chanel, I can be listened. 

American Express is committing multiple violations to the Fair Credit Reporting Act and to the California Credit Reporting Act. I want to mention some of them : 1. Reporting incomplete information.

2. Failing to investigate account.

3. Negligence Breach of contract Please forward American Express the attached documents. 

Thank you!
Consumer complaint received 2020-03-31
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. (KS)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX/XXXX XXXX XXXXXXXX XXXX DPT ED/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXXXXXX XXXX DPT ED/XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX/XXXX XXXX XXXXXXXX XXXX  DPT ED/XXXX
Consumer complaint received 2020-03-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XXXX I was home sick and I noticed that my employer did not pay me and I couldn't pay my car payment on time, so I called Capital One and explained my situation and I asked for a deferred payment and it was approved I signed and emailed the documents back and now Capital One has been over adding additional fees that I do not owe them as I have always been paying my car payments to them every month and only had one deferment ; they are also reporting false information to credit reporting agencies when my account with them should be marked current. I have submitted to them several times proof of the signed deferment which they already had record of in their system and they are still fraudulantently charging fees to my loan. Also, please note that I have been continuing to make all my car payments.
Consumer complaint received 2020-03-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

Navient ( Sallie Mae Smart Option Student Loans ) is still charging me high interest rates even though the federal prime interest rate is 0 %. The interest to date is at 8.75 % on one loan and over 9.750 % on a second loan during the Covid19 pandemic. They have not made any adjustments to my loans, and I have always paid on time for over several years, never missed a payment and have great credit.
Consumer complaint received 2020-03-31
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. (KS)

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be  errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX   USA DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX   USA DPT ED/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX/XXXX XXXX XXXX   USA DPT ED/XXXX
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

Sears by Citi credit card offered 0 % for 12 month promotion with activation, I activated offer and received - offer activated response, from website, did try to activated again, and received - offer already activated. Purchased item in excess of {$1000.00}, but did not see promotional balance on statement, called the Citi, they telling me that I did not activate promotion, which is a lie, sine i tried on 2 different occasions. Now they want to charge me excessive interest.
Consumer complaint received 2020-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I got a letter on the mail from a collection agency demanding payment for medical bills on the amount of $ XXXX.Since I been a few times on medical care and had taken a few XXXX XXXX and XXXX XXXX, I asked the collection company around XX/XX/2019 ( Lanier ) to send me back on the mail legal documentation displaying about the charges and the merchant. ( certified letter was sent, document attached ) To this day I haven't received a note to whom I owe the charges they referred to, instead Lanier collection company added a collection to my XXXX  credit file without giving me the opportunity to pay or settled ( {$150.00} ) I haven't received a single call from Lanier about this call, please note that I am paying the hospital for bills already sent to me so I need to know if this is a separate bill from the hospital or else.
Consumer complaint received 2020-03-21
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. (AL)

This debt has been paid in full since XXXX  2019 and it still shows on my credit as a negative mark, and does not display a status. According to S10 15 U.S.C 1681h
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (AL)

This debt has been paid in full since XXXX  2019 and it still shows on my credit as a negative mark, and does not display a status. According to S10 15 U.S.C 1681h
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

XX/XX/2021 i had started a job working from home, i was sent the equiptment and asked to use the funds provided for specific reasons to the job duties that i was informed of via an employment contract, the funds cleared and posted, I was then a month later told the funds were counterfiet. After having already stopped the transactions because the amount of money made me feel uncomfortable, the following 2 fraud disputes were filed and denied leaving me responsible for the debt of {$14000.00}. I took internal care of noticing the money was becoming excessive and the money was no longer autorized by me, i quit the job. However a month later they charged it all back to me and denied me any claims assistance. Please tell me how I can proceed with a forced closed account with Bank of America owing {$14000.00} at this point. I was misled with false information several times during the claims and denied. I also believe the checks were not countefeit.
Consumer complaint received 2020-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (TN)

Barclays Bank has stated that I owe {$950.00}. This amount is inaccurate. I filed a claim with the FTC that Im a victim of identity theft. They not attempted to help me resolve this issue.
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Collection Service Inc (GA) (AL)

This debt has been paid in full since XX/XX/2019 and it still shows on my credit as a negative mark, and does not display a status. According to S10 15 U.S.C 1681h
Consumer complaint received 2022-09-15
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. (TX)

SEE ATTACHED Identity theft victim. I sent Experian a fully executed identity theft packet via certified mail receipt enclosed that has been received but not abiding in accordance with the law or the consumer, detailing what had occurred, and all account associated instead of following the law this company continues to violate victims.
Consumer complaint received 2021-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (IA)

I contacted this company recently because I am attempting to verify this debt before paying it/doing anything to attempt to get it off of my credit. The company attempting to collect is National Credit Adjusters, and on my credit report it claims that I owe XXXX dollars for a debt that was taken out in XXXX XXXX XXXX XXXX XXXX XXXX potentially a subsidiary of XXXX XXXX XXXX? ) in XXXX, which is absurd because I lost my job then due to coronavirus and have been going out of my way to clean up my credit since then, and opened no new accounts. I therefore called the company to attempt to obtain a copy of the original invoice and verify whether or not I did owe this debt at all before paying. When I contacted the company the person I spoke to got very flustered and said, her words not mine, they could " try and get the invoice. '' I asked whether or not they had it and she said " well you did take out a credit card in XXXX '' and I told her that it wasn't showing up on my credit as being from XXXX, but from XXXX, and also that I was asking them to provide me with a copy of the original invoice, and if they couldn't do that that they were legally not allowed to collect the debt. She told me that she couldn't do that. I then asked to speak to her supervisor who kept talking about XXXX, and told me I couldn't have a copy of the phone conversation in which the previous employee admitted to not having the invoice, and said I might receive one within 30 days- but I was under the impression they had to have it in their possession in order to collect the debt from me.
Consumer complaint received 2024-10-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION (NH)

On Monday, XX/XX/year> my bank wired {$49000.00} plus to Navy Federal Credit Union at my direction to pay off a car loan. My intent was to complete the sale of the vehicle which had been purchased from me at auction. Per instructions from Navy Federal, I called them on the morning of Tuesday, XX/XX/XXXX to confirm that the funds had been received and credited to the loan and to request their extra-cost 'expedited processing ' of the title. I was told that the title should be ready to send out in XXXX to XXXX business days and that it would be sent to me via FedEx overnight delivery. Also, I would receive an email notification that the title was on its way to me. Having heard nothing by Friday, XX/XX/XXXX, I again called Navy Federal. This time I was told that the title would be released that day and sent out to me for delivery on Monday, XX/XX/XXXX. The title did not arrive on Monday so I called Navy Federal again. This time I was told that the title was 'released ' but that it was still in processing and that I could expect it on or about Monday, XX/XX/XXXX. I'm concerned that I will lose my buyer and I have no confidence that Navy Federal will in fact deliver on their promises this time. Please help!
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Dear CFPB, I am filing a formal complaint against XXXX, Equifax, and XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Consumer complaint received 2021-06-18
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. (AL)

Since XX/XX/21 I have been filing a complaint against you to remove an account that is in violation of the Law, and they have yet to remove or update the item " DEPT OF VETERANS AFFAI Account Number : XXXX ''. Because of this violation, I have been denied access to credit for my business endeavors which is causing economic damages also causing an alleged loss of opportunity. It is causing me and my family to go through turmoil and is also causing friction in the family. There have been emotional distress and I don't know what else to do about the situation other than to get legal advice. You have negligently and willfully obtained my information without a permissible purpose. You have also violated my privacy and have caused defamation from this reported information that should not be furnished. The furnisher stated that your reporting is in error. You have not been doing a proper investigation and this is not acceptable by law. Stop saying this isn't authorized to buy time. Please do what you suppose to do according to FCRA laws. They have sent me a letter stating that the account was paid in full and was not a collection account. If you were doing your proper investigation you have caught this error. This shows that you are lying about your investigation process.
Consumer complaint received 2020-03-21
Product: Vehicle loan or lease — Lease
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: General Motors Financial Company, Inc. (MN)

I filed a complaint against my auto financing creditor, GM Financial in XXXXof 2018. Gm falsely claimed I was not making payment on my car lease even though my monthly mailed statement said I was always current and never behind. This action heavily impacted my credit score dramatically so I filed a report with the CFPB. After the investigation was complete GM was made accountable for their wrong doing and said in XXXX or XXXX of 2018 that they would correct their allegations and let the credit bureau be aware of the error, and could take 45-90 days for the corrections to be made on my credit report. It has been a year and a half now and my score has not changed nor has that error been removed. I reached out to GM Financial on a couple occasions and they say I am, and never, had an account with them. At this point the car dealership had told me to file another complaint to get this error rectified. 
Thank you.
Consumer complaint received 2020-03-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (CA)

In XX/XX/2019, I enrolled in a Goldman Sachs Online Savings Account promotion to receive {$100.00} after depositing {$10000.00} new money and maintain the fund for 90 days. 
On XX/XX/XXXX, I transferred {$10000.00} from an outside bank to my Goldman account, making my account balance at the time {$10000.00} ( see attached XX/XX/2019 statement ). 
In XX/XX/2019, as I did not receive the bonus, I called Goldman Sachs. I was told that since my balance fell to {$10000.00} on XX/XX/2019 when a {$25000.00} withdraw was made ( see attached XX/XX/2019 statement ), I was disqualified from the promotion. 
I feel that this practice was extremely dishonest and unfair for two reasons. 
1 ) I was disqualified essentially because I took away XXXX XXXX   from Goldman Sachs, while still maintaining the said {$10000.00} balance. 
2 ) At no point between XX/XX/2019 and when I contacted them, I was notified of the disqualification. 
I hope that Goldman can make up the bonus.
Consumer complaint received 2021-06-18
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. (CA)

I was a victim of identity theft, I have a FTC report which I will include in the document. I also sent this document to the credit agencies and they have been aware of this but, they are still showing it on my consumer report. It has been over the time period for allowed investigation and they still are reporting it. At this point they are intentionally reporting inaccurate information or not properly investigating and it has tremendously cause emotional and financial stress and anxiety.