davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2019 I called the Kohls company and spoke to XXXX, employee ID XXXX. He advised me that even though I could make the full payment and clear the account, the late fee of {$27.00} would not be waived. This fee is assessed immediately despite good past billing, etc.
Consumer complaint received 2022-08-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MEI AUTO FINANCE INC (TX)

Today XXXX I called and spoke to XXXX about 2 late payments on my account. I got transfered 3 different times all because they couldnt answer me when laws were quoted. 
The last agent told me they don't have a credit reporting department so I would have to get the bureaus to update the late as they can not change the late payment. BUT SOMEBODY IS REPORTING THE DEBT IN ORDER FOR THE BUREAU TO POST!!!! 
That is breaking my privacy right as reporting this info which is {$1000.00} violation ' 15usc1681b says no permissible purpose so if they didnt get my permission to post this information how can they?????

15usc1681a2 a ( i ) exclusion from consumer report ..transactions and experiences between the consumer and the person creating the report. So if it is EXCLUDED from the report how are they allowed to report it anyway. 
I call the bureau as they advised me to and the bureau says they just have to keep disputing it and go by what they say... .where is the justice if it just keeps bouncing like a basketball from me to the bureau, the bureau to automax and automax back to the bureau with the same lame answer. Thats not fair at all.
Consumer complaint received 2019-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received a text from Bank of America asking to reply yes or no to me making any of three transactions. I replied no and called the bank. Told customer service I did not make any transaction for {$1300.00}. Was told the transaction was declined. But on the following day I checked my account and the money was withdrawn leaving my account overdrawn. The money was eventually given back to me. But when I tried using my card onXX/XX/2019the bank took the money back again leaving my account overdrawn.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2019, Experian received an initial certified letter from me, disputing and requesting verification of various accounts reported by Experian on my personal credit file ; the verification request included my social security information, as well as the accounts and account numbers in question. 

On XX/XX/2019, I received via regular mail a copy of my credit file dated XX/XX/2019. In their reply, Experian stated they have " verified the accounts '', and that they " have updated '' and/or " modified '' various fields within each account in question. 

On XX/XX/2019, Experian received a follow-up certified letter from me requesting again to provide their Method of Verification of each account listed on the initial dispute letter. 

As of today, XX/XX/2019, I have not received a response from Experian with regard to their Method of Verification of the accounts in question. 

Experian has refused to provide their Method of Verification for the accounts listed in the dispute letter according to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : " if requested by the consumer, a description of the procedure used to determine the accuracy of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' As stated above, Experian received certified mail from me on Thursday, XX/XX/2019 at XXXX, but did not reply within the timeframe set forth in the above mentioned paragraph. Therefore, all items referenced in my initial dispute must be deleted from my credit file.
Consumer complaint received 2019-04-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Constar Financial Services, LLC (MO)

XXXX XXXX XXXX has sold debt to Constar Financial Services for A vehicle I own with title and lien release. No debt is owed to either company. A letter asking for validation was sent on XX/XX/2019. Constar has not contacted me since. 
Amount attempted to collect was {$280.00} Constar Financial Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AZ XXXX
Consumer complaint received 2019-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Associated Credit Services, Inc. (NY)

I moved out of my apartment in XX/XX/2018 and canceled the XXXX   by XXXX  water delivery service. However now the company claims I have an unpaid debt of {$80.00} because I haven't pay my monthly dues since XX/XX/2018. Associated Credit Services, Inc kept on calling me and despite my telling them that the debt is not valid.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NJ)

I drove a XXXX, and was almost a fatal The car was totaled in XXXX I paid my XXXX $ deductible and my insurance XXXX didnt pay my creditor Ally financial They didnt pay them, because they havent receive any power of attorney signed and notarized by me and send to them They never told me anything about the power of attorney nor called me For me the case was closed I went to buy a car, I was prequalified, and didnt get approved, because of my bed credit score due to Ally financial that declare that I was delinquent in payment and have XXXX $ debts I dont have any debts nor delinquency I paid my deductible and my insurance and creditor didnt do their job I cant buy a car no rent nor anything Please take care of this injustice They destroyed my life I beg you help me I need a place to live and a car to go to my work
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

still reporting old debt that's is still on my credit report and I filed chapter XXXX bankruptcy last year. so the information should have been up dated by now. cause I got the discharge on XXXX of last year.
Consumer complaint received 2019-02-08
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. (MD)

My Ch XXXX was filed in XXXX and paid in full and discharged in XXXX. It shows discharged with the 3 CRA 's. Asking for the information to be Early Exclusion. XXXX removed it from my credit report last year and here 's the Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
We have reviewed and considered the information, including the four attachments, you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that there is a bankruptcy on your report as a result of fraud. You stated that you have asked how the bankruptcy was verified and have gotten no answer. You stated that the court does not verify any information. You would like the account deleted from your report. Per your request to conduct an investigation, we contacted the public record vendor to verify the accuracy of the information with which you disagree. The bankruptcy has been deleted as a result of our processing of your disputes. A summary of your results was forwarded to you on XX/XX/XXXX XXXX
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I took advantage of a no fee / no interest balance transfer promotion offered by USAA in XXXX XXXX. I have subsequently made the minimum monthly payments in order to maintain the interest free status of this transfer. On XXXX/XXXX/XXXX, I made an additional {$17.00} purchase on this card. Since that time, I 'm being charged interest on this purchase, despite the fact that I continue to make the minimum payments. I called USAA to inquire if I needed to pay an additional {$17.00} on top of the minimum payment to avoid future interest charges and was told that the minimum payment would avoid future interest charges. I was charged interest again on the subsequent statement and am now being told by USAA that I will continue to incur interest on this charge until the entire balance ( including the interest free balance transfer ) is repaid. I contacted USAA and requested that they either waive the interest going forward or provide a credit to my account in respect of the interest being charged. Despite a 27 year relationship with USAA, they have told me they do not have the authority to make this change and I will continue to incur interest on the purchase until the interest free balance is first paid in full.
Consumer complaint received 2023-07-05
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. (FL)

I, XXXX XXXX am writing to complaints on wrong information on my credit report. Following addresses inaccurate and not my current or correct addresses : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXX, FL XXXX. The following inquiries areon my report that were not applied for by me : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE REMOVE AND DELETE ALL INACCURATE INFORMATION IMMEDIATELY
Consumer complaint received 2019-01-29
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: Experian Information Solutions Inc. (GA)

Experian is reporting an XXXX XXXX XXXX account on my credit report that does not belong to me. I have disputed this account many times and informing them that this account was not opened by me. This account is a result of identity theft. Please assist me in getting this account removed from my Experian report. 

Also there are incorrect personal information showing on my credit file : Incorrect Address : XXXX XXXX XXXX and XXXX XXXX XXXX Incorrect Names : XXXX
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

My previous complaint XXXX the company provided a response and I was informed a credit would post in the amount of XXXX regarding XXXX XXXX. 

As of today, the credit has not posted and American Express stated on my most recent billing statement if I wish to payoff the balance pay less of the XXXX. I went back to review the statement and it has now been revised. 

Please assist with the reason for the delay and when I will see a credit post. 

It has now been a total of 6 months without resolution. 

Sincerely, XXXX
Consumer complaint received 2024-02-09
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. (CA)

Experian Credit Bureau is reporting XXXX negative accounts that do not belong to me this has been long reviewed as I was a victim of three data breaches and identity theft and credit card usage. I have sent all the necessary items for removal and they have now added the accounts bac again.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2019-02-08
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. (NY)

For the last few months I have been in correspondence with the bureaus to discuss errors on an account that is being reported on my credit report. I have been assured that the account is reporting accurately ( in writing ) and this account meets FCRA requirements.. however I have been investing too much time asking them to look into this account and it's costing me money sending correspondence ( which I would like to reimbursement for ). I am escalating this matter to put this to an end an come to a resolution of removing this account from my credit report. I will be circling my findings for easy viewing and expect the hear back at my address listed. Also send me a new credit report showing deleted items.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I went to a few dealerships that said they would pull my credit report just for their dealership, however they pulled out quite a few hard inquiries. The other hard inquiries listed, I just do not recognize. I have tried to call the numbers listed directly to tell them to provide proof that the inquiries should be on my report, but they told me to contact the credit bureaus to take it off my credit report. So I asked the credit bureaus, and they told me to call the companies directly to take it off my report so I am getting the run around at this point. Listed are the hard inquiries I need removed from my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DELAWARE XXXX names are also not correct : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the following XXXX are not correct : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Consumer complaint received 2019-11-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Second Round Limited Partnership, Austin, TX Branch (IA)

This company has called me, my husband and our relatives about several accounts between my husband and I. They told my father in law that he's XXXX father of the year because he told them to stop calling. They are giving out personal information about the debts to my cousin. We also disputed with XXXX XXXX XXXX but no one responded.
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Platinum Holdings Group, LLC (AZ)

On XX/XX/2019 I received several calls at work and to my cell phone from someone stating the doll listen very carefully this call Is to the resident to attempt will be made to deliver a certified summons to ( last name ) for  further information contact the issuing attorneys office handling the matter immediately at XXXX This was left on my cell phone and my office phone. The receptionist at my job also told me that this person needed to give me an official summons, he told my job. Not cool. Then made several attempts to call the receptionist to reach me again. I called the number and began to ask questions of why I was being sued, who was or what this was all about. He stated because I owe a company XXXX. He began to insult me and call me XXXX  for not knowing there was interest on the fees. Using words like XXXX and XXXX  youre a XXXX XXXX how XXXX  I was and know wonder why I joined the XXXX and lost us the war. Insult after insult and laughed at me. After asking how can I fix this and if I can make payments he began to say that he was going to record me as not willing to pay and being uncooperative and then proceeded to hang hang up on me. After researching this, between insults he did give me info. I found out that XXXX XXXX XXXX  is behind this. The number in my voicemail is saying they are a law firm. When I call XXXX They answer the with the name of some law firm. However the person in charge of my account wouldnt not repeat the name to allow me to write it down. I tried to reach someone else and they defended the behavior of this guy insulting me and deemed it okay to threaten with suing me because I couldnt afford XXXX dollars. I do not owe this money and they are trying to get more from me than what is on my credit report.
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (PA)

I have received a debt notice from XXXX under reference number XXXX. I have tried to make this payment, but can not create an account under XXXX. It tells me I have no prior documents with them and therefore I am not a patient. Therefore I can not pay this.
Consumer complaint received 2019-02-08
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)

XXXX XXXX : I am repeatedly being denied rental housing based on my low credit scores and credit reports. While my scores and reports are reflective of financial trouble experienced in the past and including a divorce, it does not reflect in any way my ability to or inability to pay rent nor my rental payment history. 

I have been paying my rent ( and in fact nearly double that which I am currently applying for ) on time each month for the past five years. Yet it is not reported to or by credit reporting agencies and therefore, landlords do not consider this. In rental markets of high demand, such as XXXX California, prospective tenants are vetted and rejected based solely on their credit score. 

If a credit report and score provided by a credit reporting agency does not include rental payment reporting and history, landlords should be barred from using this information as a basis to deny housing. Landlords are not banks and they should not be entitled to strictly lender derived information as a reason approving or denying housing. 

I am also pursuing this matter with my congressional representative and senator. This is something I feel very passionate about for myself and countless others who have been denied housing based on their credit score.
Consumer complaint received 2019-02-08
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)

I checked my free credit report and there is a credit card ( XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX ) that shows a {$5000.00} balance as of XX/XX/2018 ( from {$130.00} ). I have no recollection of ever making such a huge charge, ever receiving any billing statements showing these charges.
Consumer complaint received 2019-02-08
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: Thaxton Investment Corporation (GA)

I checked my credit report and saw i had a collection with XXXX XXXX, i reached out to this company multiple times through the mail to be clear on this alleged debt. They refuse to valdate it, i would like to see a copy of the original contract for credit with my wet signature, and looking at the rates of this loan, they are 20 %!!!!! That is predatory lending!!!!! Please reach out to this company, i dont know what else to do.
Consumer complaint received 2018-11-08
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. (CA)

XXXX XXXX/XXXX account number XXXX High Balance is  reflecting XXXX dollars however the balance due is reflecting reflecting {$520.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with XXXX, XXXX XXXX, Equifax and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

I am reporting a line of credit opened fraudulently in my name, using my social security number, with a balance of {$6200.00}. The company I am reporting is : XXXX XXXX. This company reopened a closed account, that was recognized as identity theft, on XXXX/XXXX. 

The former company, Synchrony Bank, was notified of the identity theft dated on XX/XX/XXXX of the amount of {$6200.00}. The amount was cleared from my credit report and recognized as identity theft on XX/XX/XXXX. 

I am reporting XXXX XXXX for using fraudulent information to gain profit. This line of credit is not mine. I do not have this account. I do not owe {$6200.00} to this company. 
I am requesting that the company removes their name and amount owed from ALL 3 credit bureaus.