davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

On XX/XX/22, I contacted Pro Collect Inc via email about a {$3100.00} debt that I allegedly owed. Each time Ive called to get information, Ive been harassed about payment and not provided with information. They keep reporting to my credit bureaus on the XXXX of each month, purposely damaging my credit. I demanded that info be sent within a 14 day period from date of that email because of that reason. I received a response from a XXXX on XX/XX/22, which also ended on XX/XX/22. He was of no help. Told me to call them and I refused because again, each time Ive called, they gather all my information, give me no information and just ask for payment. Im tired of this.
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (WA)

I received a letter from this credit card Fraud Control - saying that they thought there were possible fraudulent activity on the card. A phone # was listed and i was asked to call verify or not the charges. I tried 4 days running to reach someone at the phone # - but it was only a recording that said ' leave your phone number and brief reason for the call and we will get back to you " Two weeks went by and i got no call - Finally I tried again and this time I asked why no one had called me back and she said " we did " and i said I had not received any call! She insisted so I asked for the person who said she had called me. This person said that she had called me - that I had answered as XXXX XXXX and had verified the charges as being mine - I reiterated my two phone numbers which they had on file and I certainly did not recognize the - XXXX XXXX number. I finally received an affidavit form and I sent it back filled out and with a copy of my drivers license as requested - it had to be received within 14 days and i mailed it back on the second day. after I received it Now they say because it was not back within the specified time - their fraud control was hindered and I must pay the charges + late fees - XXXX + late fees - no recourse
Consumer complaint received 2022-10-27
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. (NJ)

Concerning my XXXX XXXX XXXX They are in violation of 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( F ) ( ii ) ( I ) and FCRA 611 ( a ) 1 I was given accommodations verbally but never a written agreement for a forbearance/deferment of monthly payment for my XXXX account. Lateness for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lateness should be deleted from my account and never reported again. Please due this immediately!!!! All of these lateness were under the verbal forbearance/deferment agreement. These lateness were also during the National Emergency Pandemic relief period ( XX/XX/XXXX Thru XX/XX/XXXX ) XXXX card services offered me an unwritten verbal agreement for forbearance/deferment then reported me lateEven though I made good will payments. I requested that the forbearance/deferment agreement be in writing and no response was given from the creditor. Then they reported the information late even though the payments were protected by the National Emergencies Act ( 50 U.S.C. 1601 ). The national emergency act was enacted on XXXX XXXX XXXX and was in effect until XXXX XXXX XXXX. You never even told me when the forbearance/deferment was over. I was not required to make any payments and the ones I did make were counted as late! This is a violation of my rights. This violation has caused me great financial losses and is affecting my ability to gain employment. Please delete this account from my credit profile records immediately. 

I have initiated a dispute to XXXX XXXX XXXX XXXX on XX/XX/XXXX to remove these items due to the terms stated above but they have not acted, answered or replied. 

Not only has XXXX chosen not to respond, it is also past the XXXX period legally for them to do so. On top of that XXXX, Equifax, and XXXX has not replied also I sent them a dispute letter on XX/XX/XXXX as well. This is a violation of my rights. FCRA 611 ( a ) 1. Please permanently delete this record from my credit profile immediately! 

LETTERS SENT TO XXXX  XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO EQUIFAX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has been reporting wrong amounts on my XXXX accounts. XX/XX/2022 my score dropped 72 points because they reported my balance increased XXXX. Interest on that loan should have only been XXXX. XX/XX/2022 Transunion reported that XXXX of my XXXX accounts increased XXXX and XXXX. I went down another 4 points. Again I'm only paying the interest right now. Then on XX/XX/XXXX The balance decreased on all XXXX accounts by XXXX, XXXX, and XXXX and my score only went up XXXX points. This is just one month it happens every month therefore I can't get my credit to rise at all. The increases know my score down 50-75 points every time and decreases only raise my score up to 5 points. Most of the time it does nothing.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX Citibank send me a letter saying that they were going to close my account they didnt give no reason I tried calling and they hanged up on me telling my no reason for the closed account so I wait the 60 days that they said it was going to take to close the account and nothing yet I tried call again and same thing hanging up on my and saying I need to wait thats not fair I need my money I want to know where can I get help Im so desperate I need my money all my account whent negatives because of this problem and they dont care Citibank
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (AE)

I'm a XXXX XXXX  XXXX XXXX I applied a credit card with XXXX  XXXX XXXX, received card within 2 weeks, Once I received my card at my XXXX XXXX XXXX, I was able to activate card but XXXX  XXXX XXXX placed a fraudulent alert on my card and blocked any usage. I called XXXX XXXX  XXXX, but due to me not having a US number, they kept stating that they weren't able to authenticate me because they couldn't send me a text message, even tough I was receiving emails and push notifications on mobile APP. XXXX  XXXX XXXX opened an account but then they couldn't authenticate me, what a joke.. Great service to members of XXXX XXXX?? Now my credit will show opening and closing of an account on my behalf and possibly have taken a hit on my credit report and not to mention I spending over 4 hours playing phone tag, bein Authenticated back and fourth .... 

Never again I will open any account with XXXX  XXXX XXXX as they have fooled me in opening a credit card account but then locking me out of using it.. This has to be clearly against the law, obviously they knew I was XXXX, when my address was clearly an XXXX XXXX to state they can't authenticate me because I'm overseas is bogus.. 

Attached is email received from XXXX  XXXX XXXX, sending code to register my account with mobile banking ( in which I was able to Register )
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I tried to address this twice with American Express through the chat feature but I got a bunch of messages about fees to try to get me to give up and when I persisted, I was automatically logged out, twice! I would never expect American Express to be this underhanded. The issue was that I was charged a late fee and interest on this card on XX/XX/XXXX and XX/XX/XXXX respectively when according to my emails, I had an autopay scheduled on XX/XX/XXXX which never occurred ( received XX/XX/XXXX ). The CSR lied and said there was no record of this ( or it's now automated as well ). I changed the bank for this autopay on XXXX but nowhere in the terms nor in my emails was I told the previously scheduled payment would be cancelled. It's too bad Amex wants to spend more money and time doing this the hard way and not even provide real customer service.
Consumer complaint received 2022-05-17
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)

I am making a complaint to CFPB in reference of inaccurate information on my credit report. I have spoken to Equfax on numerous occasion and was infomred that the issue has been resolved and investigated. If this was the case then the information would have been corrected. The following accounts are still inaccurate and is having an advserse effect on my credit. Accoridng to U.S.C. Sec 1681i ( a ) this is an infracation of the Law. The folling accounts are inaccurate and this proof was also provided to Equifax and was properly repported in XXXX. XXXX XXXX XXXX # # # # # # # # # # # # # XXXX, XXXX XXXX # # # # # # XXXX which is accuatley on my credit report 2 times for the same account having an adverse effect. as well as XXXX XXXX XXXX
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

To Whom It May Concern : Tranunion did not provided the results of my late payment investigation with my Student loan Account : XXXX SS # XXXX Late payment in XXXX 2014 XXXX have intensely fraudulently remove my forbearance date and reporting 90 days late to credit bureau. In XXXX 2014, XXXX, backdated forbearance date. XXXX they removed it than reported late in credit bureau and than backdated forbearance date. 
XXXX or Tran union should not report to late payment. I paid as agreed upon forbearance XXXX Why Transunion did not provided response from XXXX? 
Transunion are not responsive
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute of Late Payments on Credit Report Reference to 15 USC 1666b Dear Consumer Financial Protection Bureau I am writing to formally dispute the late payments listed on my credit report. According to my records and in accordance with the Fair Credit Billing Act, specifically 15 USC 1666b, there appears to be inaccuracies in the reporting of my payment history. 

Transaction Details : Creditor Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Transaction Details : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Explanation of Dispute : Upon reviewing my credit report, I have identified discrepancies in the reported late payments. I have attached supporting documentation, such as bank statements or payment confirmations, demonstrating that my payments were made on time. As per 15 USC 1666b, I am entitled to a fair and accurate representation of my credit history. I kindly request a thorough investigation into this matter and the prompt correction of any inaccuracies on my credit report. Enclosed are copies of the relevant documents supporting my claim. Please consider this information in your investigation and update my credit report accordingly. I appreciate your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

ON MY CREDIT XXXX  I SEE THAT XXXX XXXX  BANK WAS LATE 120 DAYS. THAT IS WRONG. I CALLED THEM AND THEY SAID I WAS NEVER LATE. MY CREDIT REPORT FROM XXXX XXXX XXXX SAYS NEVER LATE ON ANY LOAN PAYMENTS, YET THERE IS A IT'S SAYS I HAD XXXX LATE PAYMENTS IN 12 MONTHS. I ALWAYS MAKE MY CREDIT CARDS PAYMENT BEFOR MY DUE DATE. THIS IS VERY DISTRESSING FOR ME. I AM A BANKER AND SEEKING A NEW POSITION THIS IS NOT GOOD ON MY CREDIT REPORT, ESPECIALLY WHEN IT IS NOT TRUE! 
I NEED HELP, PLEASE AND THANK YOU.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (CT)

I've left messages for a manager to call back regarding an ongoing issue pertaining to missing funds from Discover closed accounts, no call back received to date, two messages left with XXXX and XXXX with Discover executive office, neither one returned. Follow up calls were made, both reps referred calls to XXXX whom I've spoken with prior, in which case there is no resolution, we talked in circles, thus the need to speak with a manager... The issue includes non-receipt of funds in the amount of {$140.00}, the total of combined accounts including checking account ending 1960. Funds were sent to XXXX XXXX as part of a fraud claim in amount of {$690.00}, this amount, {$140.00}, does not cover claim and according to reps with XXXX XXXX executive office including XXXX XXXX, payment was not cashed and rejected back to Discover. Please note, I attempted to explain this to XXXX, we talked in circles in re, he claims instructions from XXXX XXXX XXXX remaining funds in Discover accounts are to be sent to XXXX XXXX ... Further, he verified check was not cashed, in which case he stated check could be resent which I advised would also not cash, reiterated XXXX XXXX does not accept partial payments... Prior to this, full payment was supposedly sent to XXXX XXXX in amount of {$690.00}, letter from Discover is attached, XXXX XXXX has no record of this payment at all.. Should this complaint be marked as duplicate, it will be resubmitted, sent to other agencies
Consumer complaint received 2022-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

Navient has not provide the information I requested over the phone. I called XX/XX/2022 and requested documentation showing how I was approved for all my private loans, which is to include the Debt to income ration and my credit score at the time when I was approved for all the loans. I was told that I would get something in the mail in 15 days and never received. 

I called again on XX/XX/XXXX and was told that I would have the documents next week and I still have not received the documents. 

I called again on XX/XX/2022 and was told a letter was created and I would get documents by next week and I still did not receive to date. 

Navient does not seem to want to strive to get me what I need. This is giving credence for me to believe that there was deception involved with how my loans were approved. XXXX XXXX themselves have already been proven to be practicing predatory lending in regards to my Federal loans.
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX the following Accounts : has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments Current, was past due 90 days XXXX XXXX 4 late payments Current, was past due 120 days XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments XXXX XXXX XXXX XXXXXXXX 2 late payments XXXX XXXX XXXX XXXXXXXX 2 late payments XXXX XXXX  XXXX 1 late payment XXXX XXXX XXXXXXXX XXXX 4 late payments XXXX XXXXXXXX 1 late payment XXXX XXXXXXXX 2 late payments 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 Section 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 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have called/written to dispute this inaccurate information on my credit report and let them know this information is inaccurate. I have sent the recommended documents to get this resolved. The following accounts are listed incorrectly XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX/XXXX, The XXXX XXXX XXXX.
Consumer complaint received 2022-05-17
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. (NV)

On XXXX XXXX, XXXX, I wrote to the bureaus questing an investigation into items that I believed were INACCURATE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again for them and request that they reply within a reasonable amount of time, and they failed to do so.
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NY)

CAINE & WEINER COMPA ( Original Creditor : PROGRESSIVE ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The XXXX that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my XXXX XXXX XXXX. Now that I contact this company about this alleged debt there is no response?? 


furthermore CAINE & WEINER COMPA ( Original Creditor : PROGRESSIVE ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Consumer complaint received 2022-05-17
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. (MD)

XXXX XXXX XXXX Account # XXXX This account does not belong to me. I do not have a contract with this company. This is inaccurate.
Consumer complaint received 2022-05-17
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. (MD)

XXXX XXXX XXXX Account # XXXX This account does not belong to me. I do not have a contract with this company. This is inaccurate.
Consumer complaint received 2022-10-27
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. (OH)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have 11 hard Inquiries that wasn't authorize by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX