davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

The first time this happened was on XX/XX/XXXX and it took until the XXXX to get it resolved. Basically what happens is I buy things on the website what night and a few of my orders got canceled so they tried to refund my money last night and Chime would not take it now this is happened to me once before. Now I had to spend over two hours on the phone the first time with six different people who could barely speak XXXX much less understand it just to be told I need to file a dispute against my own refunds. Yes thats what they made me do. In order for me to get my refund put back on my account I had to file a dispute and it took five days. Well what not refunded me some more of my own money last night it was from an order on XX/XX/XXXX and The order times were XXXX XXXX and XXXX PM and the amount respectively were {$10.00} then {$7.00} then {$9.00} and again what not tried to send it back to me last night when the order got canceled and Chime refused to take it. So I had to do this again where I get on the phone and spend two hours dealing with these people again who have no idea what XXXX actually is and I still get screwed and I have to waitLike five days they do this every time even though Ive told him do not do it they just refused to put me through the supervisors they hang up on me they refuse to do everything I ask they are a horrible company and Im done with them what theyre doing basically is withholding my money until I call in so they can try to ply me with new offers and do a bunch of crap like that and Im sick of it. I want something done about this theres no reason I should have to call and file a dispute on my own money coming back to my account
Consumer complaint received 2018-09-18
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: Experian Information Solutions Inc. (FL)

My student loans were sent to a collection agency, I got into a repayment plan 4 months ago. I have been paying them on time and every month. They said that after the 3rd payment they will report it to credit bureau as paying and take it out of collections. This has been moving my score up and down. They told me to consolidate the loan which i did, it is showing up repeated times which are errors. I am tired of calling them and they give me the run around. I have been patient with them, but my patience are running out. I am trying to obtain a car and these late remarks and acct discrepancies are making it difficult to obtain any sort of acct. 
I contacted the XXXX XXXX XXXX XX/XX/XXXX to start the payment plan we are on XX/XX/XXXX and yet still haven't reported my credit file as paying or updated any status on it becoming positive.
Consumer complaint received 2022-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (KS)

I have previously filed a complaint against this company for refusing to return my calls and messages I left on their voicemail. They claimed in their response to the CFPB that they had no record of those calls and voicemails which is a lie. They provided an email address and a fax number for me to send documents to, which would be used help remove the debt that was placed on my credit report due to identity theft. I have sent a fax from my bank on XX/XX/2022. I was not aware until I attempted to send another fax today XX/XX/2022 from my bank and it came back that the fax number they gave me was not working, I attempted to send an email to the email address they provided and I got an email back that their server rejected it due to a setting they have. 
I was able to speak to a collections rep at Payliance on XX/XX/2022 and she was very rude. She antagonized my wife and I and made up lies. She claimed that Payliance received so many emails in the last week it crashed their server. I explained to her again it was a fax not an email. She told me they are processed in the order received. I told her this needs to be urgent as I would have sent the required documentation months ago had I received a call back when I left voicemails. She asked if I would hold while she called the supervisor of the dispute department which she claims is the department handling the accounts now. I responded yes and then immediately she said he just responded. I am completely unsure how she got a response from someone so fast that she claimed she needed to call when she never actually put me on hold or even had enough time to call someone. Either way she gave me the same response of all claims are handled in the order they are received. Before I got off the phone with the collections rep she told my wife and I that she prays that Payliance will resolve my issue soon. 
It has now been 20 days since my first fax, and 13 days since I talked to the collections rep and sent the email. They have continued to lie over and over. I need my issue resolved now.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2019-11-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am a XXXX  attending classes online for XXXX  XXXX college. I received several loans to pay for my schooling. I am also employed with the XXXXXXXX XXXX XXXX  which has a program that I am enrolled in where my payments are deferred each year, which I have to resubmit each year. This year there was a delay in the processing which caused my loan accounts to show 90 day late payments on all of my loans. Once I spoke with the loan department and got everything cleared up they told me all of my late payments would be removed from my credit report. These late payments are still showing which caused my credit score to drop 70 points making it very hard to obtain credit for a new home. I have tried to resolve the issue but was not successful.
Consumer complaint received 2022-03-23
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. (GA)

Experian failed to conduct a reasonable investigation into my account. ( Second Dispute letter mailed on XXXX XXXX ( Report # : XXXX. ) In accordance with the Fair Credit Report Act everything should be 100 percent accurate on my credit report with all three bureaus. 

The Experian has responded to my disputes stating that my accounts have been properly investigated and verified when they have not been investigated or verified at all and refused to reinvestigate without new information. They could not have been properly verified or investigated due to, incorrect opening dates reported, date last reported inaccuracies, dates last active inaccuracies, as well as last payment dates that are completely frivolous. 

Also, in violation of section 623 of the FCRA, not all of the accounts that I have disputed, notate " consumer disputes account ''. This is grounds for removal, and my rights have been violated.
Consumer complaint received 2022-05-16
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT NUMBER # XXXX, 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 2022-10-12
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax is reporting inaccurate information and refusing to follow protocol for furnishing information to my consumer report, without consent and improper verification which has resulted in damage and stress to me. please see attached. 

i have also sent in a paper copy of this information to the address on equifax website along with identification ( XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX )
Consumer complaint received 2022-05-16
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. (TX)

In accordance with the fair credit reporting act. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 states that 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 instruction. 

15 USC 1666B : A creditor may not treat a paymrnt on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-09-27
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. (FL)

In according with the fair Credit Reporting Act XXXX  Account # XXXX -XXXX XXXX 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 furbish an account without my written instructions.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX  was debited from my account on XX/XX/2022 without services being rendered. From XXXX  With debit card ending in XXXX This money needs to be returned back to my account IMMEDIATELY
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

XX/XX/XXXX I applied for the America Express " XXXX XXXX XXXX '' card. I was declined with a credit score of XXXX as I am a XXXX building credit. I feel that the selective process in which America Express used to decide my creditworthiness was not fair. I am a XXXX XXXX in my late XXXX. Honestly, from my perspective, the credit industry as a whole is flawed to the point that it is a disgusting degenerate sore in our society. The percentage rates for people building credit are unfair to the point I feel like a third class citizen. This feels as if the credit industry has the right to be credit XXXX for the lack of a better term. I contacted American Express on XX/XX/XXXX at approximately XXXX XXXX. to dispute the declined status on my creditworthiness as I do not agree with it. American Express listed off several reasons why they declined my application for credit ; the most I took away was that my credit score of XXXX was not good enough, and the representative said those exact words.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

My credit reports are inaccurate, incomplete and the XXXX XXXX XXXX accounts have not be validated as mine. All have been unverifiable by this creditor. 

XXXX XXXX XXXX has failed to properly investigate the alleged derogatory accounts listed as charge-offs in the amount of {$15000.00} and {$10000.00} on my XXXX and Experian credit XXXX. In addition, mark my account as disputed within the XXXX time-frame which is required by law. I requested information of the original contract I allegedly physically signed and supposedly agreeing to their payment terms when I supposedly opened the account. This is a violation of the FDCPA and FCRA. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section XXXX ) Violation of the Fair Credit Reporting Act ( including but not limited to Section XXXX ). To this date, no information has been provided to me by XXXX XXXX XXXX regarding these accounts nor action to remove these accounts from my credit reports. This information has a large negative impact on my XXXX XXXX. 

I have sent certified letters ( with tracking info ) to XXXX XXXX XXXX on the following dates. 
XX/XX/23 XX/XX/23 I have also sent certified letters ( with tracking info ) letter to XXXX and Experian regarding this same issue on the following dates : XX/XX/23 XX/XX/23 XXXX has removed both disputed derogatory XXXX XXXX XXXX accounts from my credit report.
Consumer complaint received 2022-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (CT)

EasternAccount system in CT is trying to collect a debt that I dont owe. I asked them numerous times to verify that the debt belongs to me but they refuse. I put a dispute with XXXX and XXXX. XXXX removed it but XXXX didnt because it was verified by them. They are claiming that I owe a balance to XXXX XXXX but when I contact them XXXX said that my balance is zero. Called them numerous times and never got a solution.
Consumer complaint received 2022-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (TX)

I received a notification that medical debt has been placed with Radius Global Solutions. Ive been making payment to these debts and have paid two of the three off. I have not gave consent to have my protected healthcare information to be released to Radius Global Solutions and it is a violation of my HIPAA Rights.
Consumer complaint received 2021-10-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

On XX/XX/2021 I received a letter from XXXX management  consulting Company stating that my loan had been transferred to and that the payments were expected by XX/XX/2021. On XX/XX/XXXX th, I received an updated letter stating that the payments should not be sent prior to XX/XX/2021. In the midst of this, I attempted to send payment to no avail. I eventually sent the payment to the previous servicer ( XXXX  ). 
I am in fear that this is a scam for I never could communicate to XXXX. I also received a letter from XXXX XXXX but also could not. I would like this company to be investigated for fraud.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have had a credit card with Menards for many years. A short time ago they changed their credit card to Capitol One. I have always paid my bill in full when it is due. XXXX to me not only do I have a due date but there is also a set time which is eastern standard time to pay my bill. I was not aware of this requirement until last month. When I paid my bill the automated system told me it was paid late and I would be assessed a late fee and interest. I then looked at my bill closer and realized I had been charged a XXXX late fee and XXXX dollars in interest. I called in to complain and the rep credited the late fee showing on my XXXX bill. I received my XXXX bill which had no purchase charges just the late fee and interest from my pament made on XX/XX/2022. This is a predatory practice. My due date ends at XXXX. I should not have to deal with a card imposed time frame which is created to generate late fees and interest. The imposed time is XXXXXXXX XXXX.They refused to refund thecurrent late fee and interest on my XXXX bill. They also would not tell me which government agency I could file a complaint with. They were generally XXXX. I want my refund and then I will be cancelling my account. I appreciate your assistance with this matter.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

XXXX  XXXX XXXX and Discover Bank is furnishing unverified information on my consumer report in addition to - reporting a charge off on my report AND sending me a 1099. Per IRS, 1099 's are reported as income. Income is not to be furnished on my consumer report. 
- Furnishing information on my report without my signed written consent to furnish my private information
Consumer complaint received 2017-08-22
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2016-02-23
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota Motor Credit Acct # XXXX is reporting that I owe a balance of {$1100.00} after turning in a leased vehicle. These are outrageous and inaccurate charges that are NOT TRUE! They are charging for keys when both keys were turned in the same day that the car was returned to XXXX XXXX XXXX. They also state that there were " scratches on the spoiler '' - there 's NO spoiler on the car. I was n't even there when the so called " inspector '' looked at the car.. They even have the interior color wrong! The vehicle was well taken care of, including low mileage and in great condition. I have called several times to try to rectify this situation and I get nowhere! I 've also sent demand letters. Their customer service has not helped me in any way. The information being sent to me is not accurate. I am so disappointed with this company!
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there were days of late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an account that has already been paid. This is the account I want to correct and please assist me : XXXX XXXX Balance : {$670.00}.
Consumer complaint received 2022-03-23
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. (GA)

In Accordance with the Fair Credit Reporting Act... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX 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 XXXX XXXX XXXX  Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In Accordance with the Fair Credit Reporting Act... 
XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.