davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-24
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602a STATES, I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604a 2, ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1692d- HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR THE NATURAL CONSEQUENCES OF WHICH IS TO ABUSE THE HEARER OR READER, ( CAUSING XXXX XXXX ) 15 USC 1692b. ACQUISITION OF LOCATION INFORMATION, ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT. TITLE 15- COMMERCE AND TRADE CHAPTER 94 - PRIVACY SUBCHAPTER I- DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Urgent Action Needed : Discrepancies on My Credit Report " Notice to agent is notice to principal, notice to principal is notice to agent. '' I hope this message finds you well. I am writing to express concern regarding several inaccuracies found in my credit reports provided by your agencies. These discrepancies are impacting my creditworthiness and causing undue obstacles in my financial life. 
As per the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ), I kindly request you to investigate and correct the following discrepancies : 1. Name Variations : The only correct name on the report should be XXXX XXXX XXXX. Please remove all other variations including : * 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 2. Employment History : The sole employer listed should be XXXX XXXX. Please remove all other employment records including : * XXXX XXXX * XXXX XXXX * XXXX XXXX * XXXX XXXX XXXX * XXXX 3. Contact Numbers : Please remove all phone numbers except for ( XXXX ) XXXX. The numbers to be removed include : * ( XXXX ) XXXX * ( XXXX ) XXXX 4. Residential Addresses : The correct and sole address listed should be XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Please remove all other listed addresses including : * XXXX XXXX XXXX XXXX, IA XXXX * XXXX XXXX XXXX XXXX XXXX OK XXXX * XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX * XXXX XXXX XXXX XXXX XXXX, TX XXXX * XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX * And other incorrect addresses as provided Your immediate attention to this matter is not only greatly appreciated, but also crucial in maintaining the integrity of your reporting. I'm sure you understand the importance of accurate credit reports, and I'm counting on your professionalism to quickly rectify these errors.

Please note that failure to resolve these inaccuracies may constitute a violation of the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). 
I look forward to a resolution to this matter. Thank you for your prompt attention. 
Best Regards, XXXX XXXX XXXX
Consumer complaint received 2022-06-20
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A and 602 B. States I have the right to privacy and accuracy within my credit report. 

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

On XX/XX/2022, I sent letters to XXXX, XXXX, and Transunion about inaccurate information that was in my credit report and as of today XX/XX/2022, inaccurate information is still in my credit report including my year of birth, spelling of my name, and former addresses, along with the information from this XXXXXXXX XXXX XXXX company.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2018-08-08
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: CITIBANK, N.A. (FL)

The date for the first incident t was on XX/XX/2018 it doesn't have an amount and the action that was taken from the company ( XXXX/cbna ) is that on my credit report it says that they pulled an inquiry off my credit and I MYSELF NEVER was asked or notified of this incident In any type of way because I wouldn't of allowed this to happen..and also another company named ( XXXX XXXX XXXX XXXX ) did the same exact thing to me on the date of XX/XX/2018 I did not approve or have any type of knowledge of them having a reason to try and pull my credit report and imply and inquiry which in the end added 2 more nonsense accounts to hurt my credit some and I've been working so hard to get my credit up so I can get ready to buy a house for my family! Please do help me get to the bottom of this situation Thank You Greatly!
Consumer complaint received 2016-07-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (VA)

I opened my account with Synchrony Bank through a furniture purchase XX/XX/XXXX. My monthly payment is {$97.00}. I received notification in XXXX XXXX, that a late fee had been assessed. I contacted Synchrony Bank to ascertain why a late fee was assessed and found that my due date was on the XXXX of each month. I requested the due date be changed and they did so and waived the late fee for XX/XX/XXXX. Great, no problems. Now in XX/XX/XXXX I receive a phone call stating I owed {$170.00} and was late even though I had paid each XX/XX/XXXX, XX/XX/XXXX within the first week of the month. After speaking in circles with the representative for over 30 minutes trying to find out why late fees had been assessed and being repeatedly told that I was only making " partial payments '' of {$97.00} and no explanation as to when or how {$97.00} became a partial payment, I requested to speak with a manager. The manager came on the phone and stated that while the late fee from XX/XX/XXXX had been waived, it was only waived from the total amount due and not what was due for the month. Therefore, I owed {$97.00} plus {$25.00} for the late fee in XX/XX/XXXX and only paid {$97.00}. So in XX/XX/XXXX, I was assessed an additional late fee and again, I only sent {$97.00} so now I owed over {$170.00}. I asked if it made any sense to him that a waived late fee still needed to be paid and that this same " ghost '' late fee would then continue to incur XXXX more late fees. I was told that I had to pay what they showed as being due or I would continue to incur late fees. How can a bank waive a fee and then continue to say it is due and on top of that, charge you late fees for not paying the waived fee? This policy was set up for no other reason than to enable the bank to be able to continuously still its hands into your pockets for literally, no reason.
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (FL)

XXXX XXXX XXXX is collecting a debt, That was repeatedly trying to cancel. 
Now they have XXXX collection agency, collecting a debt, with an amount different of was supposibly owed. 
The e mail I sent to XXXX, cancelling the membership, address to e mail, was taking from their website, was ignored, never got an answer.regarding my cancellation attend.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (OH)

I booked XXXX nights hotels using the points earned from Wydnham rewards Barclays credit card. The dates we booked are XX/XX/XXXX-XX/XX/XXXX and I received the booking email with the right dates. A few days ago I just noticed that the dates was changed to XX/XX/XXXX-XX/XX/XXXX. I never made those changes. And because of that, I spent countless hours on the phone with Wydnham rewards helpdesk. So many hours wasted on the phone. Changing the dates without our authorization is crime, and Wydnham even changed the date to past!!!
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE (HI)

I charged some items on my Barclay Bank credit Card with deferred interest. A few months later, after making my required payments, I paid a total of {$2000.00} in XXXX month. This was more than enough to pay off the deferred interest charges. Barclay did not payoff the deferred interest charges.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DLC, LLC (NV)

Dollar loan center has reported incorrect late payment marks on my loan with them. I spoke several time with different representatives to set up payment arrangements. I followed through with the payments and was advised that as long as my arrangements were kept I would not get late payments. I was advised this by more than one representative before the loans contract expired. They were aware that my arrangement put me past the expiration date and I was still advised to negative credit reporting would happen if the arrangement was kept, which it was. I still continued to get harassing calls everyday even while on the arrangement. This account is now paid off.
Consumer complaint received 2018-04-10
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Investors Servicing Corporation, Atlanta, GA Branch (AZ)

I received a call from a representative at XXXX XXXX XX/XX/18. I spoke to her for 4 mins. I then received another call from them and they left a message. I called the company XXXX with a supervisor XXXX XXXX she advised me she would coach and address the situation. I then received yet another call at XXXX XX/XX/18 from XXXX. I called back in and spoke with XXXX again advising I know my rights. I feel as if the intent is to continously call and annoy me on my cell phone
Consumer complaint received 2018-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MA)

Hello My name is XXXX XXXX I recently purchased some ink for a printer of the XXXX marketplace, I paid using XXXX through my wells fargo bank account. I sent the seller XXXX dollars the seller never sent the product and he sent me a bogus shipping number. After this happend i called wells fargo to open a case, I was informed that they dont protect you if you use XXXX through wells fargo. I researched what could be done and found you guys i attached a zip file with the full conversation between me and the seller i had to take screen shots of the conversation as i had no other way of sending the conversation but it should be in order. The Reference number of the XXXX transaction i did through wells fargo was # XXXX. This was a tranfer to XXXX on XX/XX/18. This seller was also trying to get me to send some crazy amount of money for shipping that i didnt send it was clearly a scam but im hoping you guys can contact wells fargo and do something about this.
Consumer complaint received 2024-02-06
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. (OH)

I am writing to address a matter of utmost importance regarding persistent inaccuracies on my credit report. Despite my repeated attempts to rectify these discrepancies, it has come to my attention that the credit bureaus continue to disregard the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

The Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ), clearly mandates that credit bureaus must modify or delete accounts that do not accurately reflect the individual 's financial history. Unfortunately, my efforts to bring this to your attention have been met with frustration, revealing a concerning breach of the laws designed to protect consumers. 

Referring to 15 USC 1681b ( 1 ), it is crucial to emphasize that the credit bureaus lack written permission regarding the information on my credit report. Furthermore, my right to privacy, as stipulated in 15 USC 1681, is being compromised due to the persistent inaccuracies.

As outlined in 15 USC 1681s-2, it is explicitly stated that a person shall not furnish inaccurate information to any consumer reporting agency. Despite my notifications regarding the inaccuracies and the invocation of the provisions of 15 USC 1681 for a reinvestigation, the credit bureaus have failed to block and permanently delete these accounts within the legally mandated four business days.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX XXXX account numbers xxxxxx XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, Attorney General account numbers XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX account number xxx # # has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX XXXX account number XXXX has violated my rights. 

In accordance with the Fair Credit Report Act XXXX XXXX account number xxxxxx XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Report Act XXXX XXXX XXXX account number XXXX has violated my rights In accordance with the Fair Credit Report Act, XXXX XXXX XXXX XXXX account number # XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX account number xxxxxxx XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Report Act, XXXX XXXX account XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 Section A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a Consumer Reporting Agency CAN NOT furnish a account without my written instructions.
Consumer complaint received 2019-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

Hello I appreciate the hard work you do. If there is any chance to look into myfedloan.org for not keeping records of what I paid them since XX/XX/XXXX on my school loan. I owe XXXX in school loans which started at XXXX that I started paying 12 years ago. They just told me yesterday that none of my payments have gone towards it. They have no record of my payments before XX/XX/XXXX even though on their website it says it started in XX/XX/XXXX. 

Anyway keep up the good fight, thanks for listening. 
XXXX XXXX XXXX PS- I have never reached out for any help in 59 years of living in Ohio .
Consumer complaint received 2020-02-04
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I was sold 2 XXXX party XXXX XXXX tickets for {$4000.00} by XXXX of XXXX XXXX. He originally called me regarding my inquiries into the XXXX XXXX and continued to bait and switch me to the XXXX XXXX. This party was NOT as advertised. I was guaranteed a XXXX XXXX view from my seat which did not happen. I have attached a photo to prove. Notice the yellow circle on the photo across from the seated couple. These were our seats which faced a WALL if you turned to look out the window. The food offerings were not as advertised and of poor quality, the premium bar was not premium and half of the 52nd floor was to be turned into a dance floor/party room. I have photos of the 12x12 parquet floor dance area. This was the worst experience and we only stayed 1.5 hours of a 5 hr party that we paid an exorbitant amount of money for. XXXX XXXX reviews are all terrible on line but unfortunately we found them after the event. We searched XXXX parties instead of XXXX. I have copies of all of the reviews citing fraud and misrepresentation as well. I have disputed the charge on my Chase Visa debit card and Chase Bank is not insuring this purchase that was sold to me with false advertising and misrepresentation.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

ON XX/XX/2018 MY BANK XXXX PULLED MY CREDIT FILE WITH EQ I THEN HAD MY BANK TO PULL MY CREDIT AGAIN ON XX/XX/XXXX AND XX/XX/XXXX XXXX  CAN NOT ACCESS MY CREDIT REPORT FROM EQ I CALLED YOU CANT UNDERSTAND WHAT THE REPS ARE SAYING I NEED TO MAKE SURE EVERYTHING IS ACCURATE ON MY REPORT SO MY BANK CAN TRY AGAIN TO PULL MY REPORT FROM EQUIFAX HERE IS MY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX # C XXXX XXXX, NEVADA XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-19
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. (CA)

of the 3 major credit reporting bureaus, I have been unable to get in contact with Experian to fix an error on my credit report. I have tried numerous phone numbers Experian 's website has provided and still there is no option at all for real customer service to help me resolve this issue. If you will check online, you will see that this is a reoccurring issue for everyone else who has tried to reach out to Experian. Experian is purposely making it hard for anyone who wishes to cancel their service, fix an issue because they offer no way for you to talk to anyone at all, only a automated message that gives you two options and if you go outside of those options, it will just hang up on you.
Consumer complaint received 2022-07-24
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. (IN)

Experian a 3rd party reporting agency who is not allowed to furnish any report without my consent ( 15 USC 1681B ) refuses to correct information on my consumer report with regards to an account XXXX  XXXX XXXX XXXX. the account is fraud and i am in dispute with citizens one auto finance so until the matter is completed, Experian should not report the account. the account was closed/written/charged off in XXXX of XXXX and Experian has another charge off date as of XX/XX/XXXX, this is largely inaccurate and affecting my score. according to irs publication XXXX a charge off is claimed as income on my tax return so how is it reported as a debt? another inaccuracy! i have no contract with XXXX  XXXX XXXX  XXXX  making me obligated to perform any duties to them, i have not received the original contract from citizens or Experian. Experian has refused to show me how they validated this report - what process was used, employee who handled the process, information that was gathered on the account for the report. 
12 USC XXXX2 & 83- states bank can not loan money so i'm confused on what XXXX XXXX XXXX  is speaking of? 
15 USC 41 & 1692g- the debt is now officially in dispute, by law all activities must cease until the matter is resolved due to the fraud of this matter i am able to right to recession 12cfr & 226.15 u.c.c. 1-201 & 4 -unathorized signature made without actual, implied, or apparent authority i have not been able to cross examine XXXX XXXXXXXX XXXX XXXX  about the matter, i have spoken with representatives of XXXX  XXXX XXXX XXXX but since the representative didn't sign the contract i need to speak directly to XXXX XXXX XXXX XXXX since that is supposedly has first hand knowledge of the situation, first hand knowledge refers to someone who was the witness and or saw or was in the room with me signing that contract, haven't spoken to anyone. 
XXXX XXXX XXXX XXXX seems to be furninshing false and deceptive forms to make it look like i owe a debt 15 USC 169J 15 USC 1692b ( 2 ) -stating a consumer owes a debt when if fact eh consumer does not
Consumer complaint received 2024-02-06
Product: Credit reporting 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)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.