davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
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. (CA)

On XX/XX/XXXX of XXXX, with the help of XXXX  customer service representative, I enrolled my XXXX  credit card in Autopay on XXXX  website using my checking account with XXXX, please see documents attached. The same day I signed up for electronic statements. 

On XX/XX/XXXX of XXXX, I received a statement from XXXX that my balance is due. Nothing on that statement yielded that my autopay did not go through, and I am past due on my bill, see documents attached. Not a single alert about my account being past due came from XXXX. 

The next day I received and alert from XXXX and Experian that my score dropped XXXX points due to the red flag posted by XXXX. In twenty years I never missed a payment, and always had an above 800 credit score. I paid my bill immediately using the same autopay account ( already in XXXX  system ). My XXXX account was processed immediately for the outstanding amount, see documents attached. I called XXXX numerous times to no avail. 

On XX/XX/XXXX, I filed an online dispute with Experian credit agency. 

On XX/XX/XXXX at XXXX, I finally got through to speak to a XXXX representative. I informed him of the situation. The representative told me that I never had an autopay account, luckily I could prove that an Autopay account was, in fact, created on XX/XX/XXXX. I have a conformation message about enrollment in Autopay generated by XXXX, see documents attached. That day, I was also on the phone with the XXXX representative who was guiding me through an autopay set up process. 

On XX/XX/XXXX, during my conversation with XXXX representative he gave me the report number XXXX. XXXX  representative assured me that they posted a note to Experian agency, as he stated they put a red flag due to misunderstanding. The representative assured me that XXXX will look into my call to set up an Autopay on XX/XX/XXXX of XXXX, and that someone will follow up with me. No one from XXXX ever called. 

On XX/XX/XXXX, the dispute results from Experian came. The Experian stated that XXXX balance shows as outstanding still ( as I never paid it ). Please see the attached documents that confirm that I paid the balance in full the same day I learned of the account being past due. I hoped that Experian will be able to solve this ; however, the red flag posted by XXXX was never removed, and Experian did not change the status of my credit. 

I am determined to solve this problem. Ive always had an outstanding credit history, and never was late on any of my payments. I enrolled my XXXX credit card in autopay due to convenience, as I have all of my other accounts. I have never experienced problems with autopay until XXXX. 

Please, help me solve this situation. 

Best, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (VA)

Hello, I overnighted a payoff on XX/XX/2022 and the funds were received on XX/XX/2022 and have yet to be applied to my loan. When I call, I'm told they will not back date my payment ( stealing interest from me ) and it can take 10 business days to apply my funds.

I've asked to speak to a manager several times and am never given one to talk to. 

XXXX tracking information XXXX Thank you for your time.
Consumer complaint received 2019-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2019, I received an advisory from XXXX  of a change in my credit file. 
Credit score lowered. It was a result of a credit inquiry by American Express into my file and a subsequent issuance of a credit card. 
Additionally I had to pay {$10.00} dollars to a mail service in order to receive the card in a heavy overstuffed envelope with propaganda so that I would be in my possession. 
The AE envelope had a return address of XXXX XXXX XXXX, XXXX, NE XXXX. 
The mailer paper holding the card furthe ID 's the sender as American Express National Bank. 
American Express had " slammed me '' - a term used when a potential service provider inscribes or switches a consumer without permission. 
I had previously received and email which lead me to a site. As I dug deeper I realized that they were pushing a new credit card. Having plenty of credit. I immediately stopped, backed out ( there was an option for such. and exited my browser to avoid proceeding further. 
When a called to handle this immediately, they pretended to transfer me to the fraud department. They hung up.
Consumer complaint received 2019-05-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Please reference the letter that I am uploading. I sent this letter to Equifax and XXXX XXXX on XX/XX/XXXX. They were supposed to investigate the errors and respond within 30 days.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2018 I made an Bank of America online payment of {$4000.00} to a Bank of America credit card account that was closed. I meant to pay a Bank of America credit card account that is open. I immediately call Bank of America customer service and explained the error. I requested that my money be redirected to the open credit card account or a refund. I was given a reference number and told I'd receive a refund or money transferred to the open account within 3-5 business days. Since XX/XX/XXXX I have called customer service multiple times and each time have been told different time frames of when I should expect to see my money and I have visited two local Bank of America branches 3x and told the same thing. Each time Bank of America gives me different time frames and with no assurance that my money will be returned or applied to my open bank of america credit card account. During one visit to the Bank, I was told that I would receive interest for the delayed {$4000.00} refund.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (AL)

XXXX XXXX collection agency has reported into collection on my credit report an amount of {$6200.00}, and I have no idea where this amount came from, I need to receive a statement of this bill with each debt itemized, and why this collection service feels I owe this debt, and proof this is a legitimate and correct amount for this debt.
Consumer complaint received 2024-02-07
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-05-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please reference the letter that I am uploading. I sent this letter to XXXX and Trans Union on XX/XX/XXXX. They were supposed to investigate the errors and respond within 30 days.
Consumer complaint received 2022-01-07
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX and I am filing this complaint for myself no third party is involved. I have been going back and forth with XXXX, XXXX, Equifax and XXXX XXXX about this billing error. I have attached one of my previous letters for each bureau and a screen shot that clearly shows me being late in XXXX on XXXX and XXXX on XXXX it also shows me being late in XXXX on XXXX and XXXX on XXXX. The only reason I cant show you that Equifax also has different late payments is because I have a separate complaint with them for mixing my file I was never late thats why this is wrong its a billing error and none of the credit bureaus or this company will correct it. Im sending this through CFPB portal so that my next step can be to file litigation
Consumer complaint received 2022-06-17
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-02-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. 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, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2017-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (CA)

The company I am filing a complaint against is Coinbase. In XXXX XXXX, I was traveling to XXXX for vacation, and when I tried to log into my coinbase account, it was immediately closed due to suspicion that I may live in XXXX. After multiple attempts to contact support, there has been no response at all, and my account is frozen along with XXXX dollar in XXXX.
Consumer complaint received 2021-04-13
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. (CT)

I just got off with a rep from Transunion and verified who i am. they did not know why i had to even do that. they said you received my dispute request and its in progress what the XXXX is going on over there. 
you close my first complain saying need auth and your rep didnt understand why. This investigation is taking to long. Below is my initial complaint and attached is the items i have sent for my dispute to be completed I am submitting this complaint due to no communication regarding a status on a investigation. I wrote Transunion on XX/XX/2021 reporting 4 inaccurate items on my credit report. I provided everything they need for a investigation and again I am supplying it her in this complaint. I sent another letter on XX/XX/2021 to see if I can get a response in writing. We are now 45 days since my first complaint and still nothing. Again, it's been 45 days since my first request and this company keeps reporting inaccurate information in my credit report. This is a clear violation of the FCRA.
Consumer complaint received 2019-08-30
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: Experian Information Solutions Inc. (GA)

I have hard inquires on my credit report that was not authorized by me. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the  information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete
Consumer complaint received 2018-10-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (MO)

I gave them permission to speak to my mother regarding my account ( she is helping me get out of my debt and they asked for her phone number for their files. Well, Friday XX/XX/2018, they called her 10 times! She is not on the account as an authorized user, she is just authorized to discuss the account. I told them she would call them and that they are not call her. The whole time they were calling her, they were also calling my number multiple times. 

They started call her again yesterday morning and before XXXX they had called her 3 times as well as calling myself!
Consumer complaint received 2022-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (SD)

I received an RV loan in XX/XX/2020 from Bank of the West through the RV dealership. 

They included extended warranty coverages that were not explained to me and I never received documentation for the details until I had to contact the warranty companies and cancel. They applied credits to my RV loan, and the bank processed in such a way that I had " no payment due ''. 

However, I continued to make monthly payments. I do not receive any statements so when I log on, they provide a transaction history showing almost ALL payments have been applied to INTEREST and nothing going toward principal. And NOW they tell me the loan is past due ( after no-payment-due ) which is double the monthly payment! 

Is this bank a legitimate banking operation in the United States? Is it FDIC insured and allowed to make loans? From online review resources, they are ruining people 's credit with their nefarious practices.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NV)

I have lodged disputes with XXXX XXXX, XXXX and XXXX XXXX  with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the time frames listed I also asked for assistance from each of the credit bureaus. I initiated the dispute process because I contracted with the XXXX XXXX XXXX in XX/XX/XXXX and they were to assist me with paying my creditors. Although I was struggling to keep my payments current I was not late with the accounts listed above prior to contracting with XXXX XXXX XXXX.
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Account Number : # XXXX Date : XX/XX/2019 I sent out a letter to The bureau of Equifax stating this collection debt is inaccurate & a result of identity theft, they also dont provide the name of the creditor. I would like for this debt to removed from my credit profile asap.
Consumer complaint received 2022-02-18
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: EQUIFAX, INC. (CA)

YOU BROKE THE LAW! 

To Whom It May Concern : I would like to say. that Equifax is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may Furnish a consumer report in accordance with the written instructions of the consumer. I the consumer living person never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. I have listed the accounts below and I demand you remove these inaccuracies of my consumer report. If they are not removed I will not extend my credit to anyone or allow Equifax to furnish my report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate consumer reports. By Equifax allowing these inaccuracies to ben furnished on my consumer report it has caused me to lose confidence in the banking system. If Equifax wants to continue doing business with me, it should delete the inaccuracies off of my consumer report below immediately. 

XXXX XXXX XXXX Bank XXXX Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Credit Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Bank XXXX XXXX Account Number XXXX Cease and Desist from reporting these accounts on my consumer reports now and one hundred years from XX/XX/2022. 

Sincerily, XXXX XXXX
Consumer complaint received 2018-10-29
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: Resurgent Capital Services L.P. (KY)

On my XXXX report I have debt collecter XXXX XXXX collecting for XXXX XXXX in XXXX. I have made 3 dispute claims with XXXX and XXXX and it still remains on my report. First attempt XXXX, second XX/XX/XXXX, & XX/XX/XXXX. Each complaint gets returned correct debter. That is not factual I'm telling XXXX XXXX XXXX its fraud and filed with the FTC for documentations. I spoke to XXXX ( XXXX ) whom was uncooperative to my needs to have this remove violating my rights to obtain information they deem proves the account is mine. I want this report gone just like XXXX has done as well as XXXX   and with only one dispute filed. Please give me support in mediating and exersing my Fair Credit Rights. 3 disputes and will not remove it is rediculous. Last checked with XXXX XX/XX/XXXX pending investigation.
Consumer complaint received 2018-10-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (AZ)

Have left messages indicating they needed a call regarding pending legal action. Stated they were with XXXX at XXXX with names of XXXX or XXXX. Left similar messages with family members not associated with this loan disclosing the debt in violation of third party disclosure laws. When contacting them, they stated were suing me on behalf of ACE Cash Express and have already started the process. They are in CA while I am in AZ so they do not have jurisdiction to do so. Refused to discuss resolution if not paid in full, and that would just note as refusal to pay and continue lawsuit. Have called numerous times after this, and have never sent me a letter indicating they were rightfully collecting or giving me the opportunity to validate the debt.
Consumer complaint received 2018-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (OH)

The original balance on this account ( Walmart ) when I was laid off from my job was {$4400.00}. I have paid this amount plus any additional interest and late fees once I went back to work. The account went into collections in XX/XX/XXXX with XXXX XXXXt which then became Synchrony Financial. I continued to pay on  the account ; however I never received an actual statement from Synchrony listing payments received, interest, etc., I only received an email telling me the payment was due and the balance. The last 'statement ' I received from Synchrony was on XX/XX/XXXX and the balance was {$770.00}. I could not find a way to contact anyone to pay the balance in full ( no valid phone number, address, email address on the emailed " statement '' ) eventually a representative called me when the payment was late. I arrange a phone payment with the representative for {$360.00}, the representative agreed to remove the late fees and I promised to pay the remaining {$360.00} in XX/XX/XXXX which I did. Synchrony then sold the account with a balance of {$640.00} to XXXX XXXX XXXX. When they called me, I told them that the account was paid and a mistake was made but they insisted it was valid. I looked the company up online thinking that this was some kind of a scam, here is a link to what I found XXXX  : XXXXXXXX  They continued to call me for the money, I believed it was a scam. I sent a letter to them in writing and via email that they were not to call me at work or on my cell phone but they continued to call. I ignored their letters and phone calls ( I did log them ) and now I am getting a letter from an attorneys office, XXXX XXXX XXXX threatening a judgement against me. XXXX XXXX XXXX also reported the debt to the credit bureaus, lowing my credit score that I worked really hard to bring back up and I am now being denied financing that I need for a new roof on my home! I have sent them a letter ( via regular and certified mail ) with the last statement, a copy of the funds sent from my bank, a phone log of all the harassing phone calls, a request that they acknowledge payment was made in full and that they correct the payment history information provided to the credit bureau.