davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I previously sent ( 4 ) certified dispute letter requests to Trans Union Consumer Disputes dated XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 to either verify and if it could not be verified to by law remove all inaccurate information from my credit report. I received responses stating information was verified. How was the information verified?, if my request for a copy of signed documents with my signature could not be provided? They are in direct violation of the Fair Credit Reporting Act
Consumer complaint received 2019-10-05
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: Checkr, Inc (NV)

The company checkr had inaccurate information on my backround report that was completed XX/XX/XXXX. I disputed this on XX/XX/XXXX And on XX/XX/XXXX the completed their investigation and removed some information and sent me an updated copy. On XX/XX/XXXX my backround report was requested for another company and I received a copy of their report and nothing was removed. The same original disputed information was Still on there. This inaccuracy is preventing employment.
Consumer complaint received 2020-01-30
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. (FL)

XXXX, XXXX and experian have inquiries on my credit report. that are not mine. 
INQUIRES : 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 not mine
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act 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 2020-12-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XXXX XXXX, 2020, PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2019-08-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

On XX/XX/XXXX, I went to make a deposit in my Citizens Bank account. The teller told me I had 4 overdraft charges after my car insurance came out. My account was short {$1.00} to cover the total of the insurance. When I checked my transactions on my online banking, I had an overdraft charge the next day for {$35.00} and then {$30.00} every three days after for a total of {$90.00} in sustained overdraft fees plus the {$35.00} initial. I called the bank to ask to be reimbursed because I received no notification my account was overdrawn nor was I aware that there was a sustained overdraft fee. I was denied being reimbursed after speaking with 2 managers. I did a quick search and discovered that a class action lawsuit was filed in 2017 regarding the sustained overdraft fee and the court ruled that it was in violation of the National Bank Act. I can't believe the company is still doing this after this lawsuit and no body cared.
Consumer complaint received 2022-06-13
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. (DE)

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1618 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

I spoke with XXXX XXXX XXXX XXXX numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XXXX of XXXX after I made the final payment. I was assured by XXXX XXXX XXXX XXXX this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end.
Consumer complaint received 2021-03-04
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)

I HAVE TWICE DISPUTED WITH XXXX XXXX  AND EQUIFAX ABOUT ERRONEOUS NEGATIVE ACCOUNTS ON MY CREDIT REPORTS. I ASKED THEM TO INVESTIGATE AND REMOVE THESE ACCOUNTS, BUT I HAVE NOT HEARD BACK FROM THE CREDIT BUREAUS AND IT HAS BEEN MORE THAN 60 DAYS. I STARTED BACK IN XX/XX/XXXX DISPUTING AND SENT OUT MORE DISPUTES IN XX/XX/XXXX AND XX/XX/XXXX WITH NO COMMUNICATION OR RESULTS FROM THEM.
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (PA)

I used my American Express card on XX/XX/20 to pay a plumber. On XX/XX/20, I received an email stating that my card had been cancelled by American Express. I contacted the phone number provided and a customer service agent in the " responsible lending '' area had told me that he could not reinstate it, that a manager could and that it " may or may not '' run a credit check to reinstate. I asked him " So some people can have it reinstated without a credit check? '' and he told me " Yes. '' I told him that I did not want a credit check for a card I already had ( I did not want an additional inquiry for no reason ) and that I wanted to speak to a manager. He told me that he could not transfer me to a manager, that one would have to call me back. No manager has called me back. Today XX/XX/20, I logged on to view my American Express account online and it had a chat message stating that American Express had a message for me and the rep that connected through chat was of no assistance regarding my card and told me to call a 1-800 number to speak with someone about reinstating my card. I called and spoke with a rep who connected me to an agent in this same responsible lending/spending area and he told me he could not reinstate my card without running a credit check and that my card was cancelled due to inactivity. I told him I had just used my card 2 days prior and stated on that the American Express website specifically states " Will American Express cancel my Card due to inactivity? 
For your security, if we notice that your Card hasn't been used for a long period of time, we may close your account. Please be assured that we won't close your account without warning. We'll let you know if your Card is at risk of being deactivated and how you can keep your account open. '' ( https  : //www.americanexpress.com/us/customer-service/faq.card-inactivity-action.html ). I was never once contacted prior to them cancelling my card. I have never missed a payment with American Express, I have no missed payments on my credit report at all, they told me my score was a XXXX  through XXXX, and I am employed and make well more than enough to handle a card with a {$5000.00} limit. The manager had only told me that he would make a note of the website saying that and of American Express not notifying me prior to cancelling my card. This has caused my credit score to decrease due to the account closing and losing {$5000.00} in credit availability. I would like my account to be reinstated as it was or I would like compensate me for the damages to my credit report due to the unnecessary cancellation of my card. This is NOT how you treat customers who have been with you for 4 years and have never missed payments and have had their balances paid off!
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMO Bank, N.A. (FL)

I bought a new car in XXXX of XXXX. I was financed through BMO Harris Bank from the dealership. I have a high credit score so financing was not a problem. After obtaining the car and the loan, the vehicle was totaled on XX/XX/XXXX. My insurance company and gap coverage was more than enough to cover the entirety of the loan. In XX/XX/XXXX, I sent a full payment to BMO because I knew that it would take time to get the payments from the other financial institutions to take care of the loan lien. In XX/XX/XXXX, My insurance company sent all but about {$1500.00} to BMO for the loan payoff and the rest was to come from the gap insurance refund. I told BMO that that payment could take 14-16 weeks, but that their payment was on the way. In the mean time, I received call after call, day after day, from the loan payment center wanting me to make a payment. I explained my case several times and even had it verified that my loan was in the total loss department and that they were just waiting for that last payment from gap. When BMO would call, they would harass me about the payment and threaten me at my job. I had to block them from calling my job, as I was going to be fired for the harassment. I had explained in multiple phone calls that their payment would be there around the end of XXXX. Several people that I talked to from the total loss department were fine with that and had noted the account. On XX/XX/XXXX, I saw that BMO Harris Bank hit my credit with a 30 and 60 day late mark. When looking up the financial side, they received a payment in XXXX for $ XXXX and change, another payment in XX/XX/XXXX for about {$1500.00} and they were still waiting on gap. There should be no reason they mark my credit for being late when they were receiving payments. They are a huge scam. I have done everything I can to honor the contract I have with BMO and have been on everyone to send the payments in a reasonable amount of time. When you do have questions, or you want to talk to someone about what is going on, there is no real person to talk to. Half the time when they called for payment and I would answer the phone, nobody was there and they would hang up. When I finally got ahold of someone in the total loss department to tell them what is happening, their response was " Oh yeah, you get put on an automatic dialer, so that happens a lot and there's nothing we can do about it ''. I am waiting for the last of the money to be sent to them, which they will then owe me around $ XXXX when its all done, I don't trust that they will actually send it. When gap has tried to reach out because all they needed to send the money was an address and no-one has reached back out to them for BMO. What a horrible company and way to do business. I will never recommend BMO for any reason.
Consumer complaint received 2022-05-04
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)

I have reported that the information concerning reporting by XXXX ACCOUNTS on my experian report is incorrect and not a valid debt. XXXX and XXXX have corrected it but Experian continues to use an automated method to verify, instead of conduction a proper verification method with this abusive collection agency.
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

In XX/XX/XXXX my husband and I began the process of purchasing a home and I gave our apartment complex, XXXX XXXX XXXX XXXX XXXX, 60 day notice that we would not be renewing our lease. I did this through their online portal and by mail. We were able to close on our home and move out of our apartment one month  before our lease was to be up. I spoke with a company representative and agreed to pay the last months lease but was asked to turn the keys in early as they had a new tenant waiting for the apartment. I turned in our keys and provided my mailing address for my final bill. I heard nothing from the apartment managers until XX/XX/XXXX when they filed an {$5900.00} collection against me and my husband claiming we had broken our lease ( {$2300.00} ) and charging us a notice fee ( {$2300.00} ) plus two months rent when only one was owed. Additionally IQ Data is attempting to charge us interest on this debt we do not owe bringing the total to {$8500.00}. This is not a debt I owe, I feel the leasing company took advantage of my good intentions and non of this would have happened if I hadn't turned my keys in early as they requested.
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (CA)

XXXX XXXX XXXX Credit Card by Banco Popular de Puerto Rico. 

Annual credit card renewal date of XX/XX/2021. 
{$140.00} annual fee charged without prior notification on XX/XX/2021 Noticed annual fee on statement on XX/XX/2021. 
Closed credit on XX/XX/2021 with refusal to refund annual fee even though the card has not been used for over a year due to COVID and lack of travel.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The payment of XX/XX/2020 did not go through when I tried to set-up an auto-bill with Capital One App. I reached out to the company through phone and an online dispute. They said the payment was rejected and I was not notified, which resulted in a late payment and damaging my credit score. 

Having a new credit card and beginning my credit history, this situation is severely damaging my daily finances. I am unable to obtain higher credit lines ( only {$300.00} currently on my card in question ) which aren't nearly enough to meet my monthly expenses. This is also stalling me from being able to continue forward with my living and auto plans as I can't get approved for any financing. The current car is on verge of breaking down, if it does I'll be stranded without a vehicle since I can't get approved for anything affordable. 

The company has refused to help me with this unfair situation, which is why I'm reaching out to CFPB for help.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Advantage LNS Inc. (MI)

in accordance with the Fair Credit Reporting This creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 Section 6 0 4 a Section 2 ). ( it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose.
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, Account # XXXX and XXXX Account XXXX XXXX have violated my rights. 15 U.S.C.1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (SC)

XXXX XXXX home had a month to month contract through the Business We contacted the Representative for the company to provide a new quote. His quote was with another company not XXXX and was to high. He told us not to use XXXX XXXX. We got several Quotes. We notified the XXXX  XXXX representative and we called XXXX XXXX Directly. We sent in a notice of cancellation. We called and asked the final amount due. We paid in full the final amount due, wrote this on our payment payment in full. 
XXXX XXXX has now sent out a personal debt collector on me in a fraudulent amount of {$1300.00}. They have also sent this to collections in my personal name and I did not personally or individually sign up for services through XXXX XXXX. 
They have called my cell and repeatedly harass me. They have created a huge debt which is fraudulent and factually incorrect.
Consumer complaint received 2018-04-09
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: ENCORE CAPITAL GROUP INC. (GA)

This complaint is against XXXX XXXX XXXX XXXX, I disputed this company online and I wrote to them, stating that I do not understand how I'm liable for a balance of {$270.00} and I don't even know who they are, I never signed a contract with them, the original creditor closed the account, I also informed XXXX XXXX XXXX XXXX that my name isn't spelled in ALL CAPITAL LETTERS ... XXXX XXXX XXXX, my name is XXXX XXXX XXXX, the same name on my drivers license, however they wrote me back and basically stated their investigation concluded their actions were correct, it's not correct, they're using my name fraudulently to say I'm responsible for a debt that I don't owe them.
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AZ)

Rocket Mortgage sold my mortgage to XXXX Bank who added {$30.00} fee to my payment for a faxed payoff statement. I called XXXX and asked why are they charging me and the answer was you must have authorized it, and said I had to make a request in writing for them to consider reversing the charge. I sent an email to Rocket asking why am I being charge without my knowledge and I am awaiting a reply. XXXX said it would be free if mailed but Rocket wanted a Fax SO 30 BUCKS.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (FL)

I have some late payments that I was advised that I could get removed from my Credit Bureau by one representative. They sent a letter stating that they will not do it. this comes after the person told me that I was able to have the late payment marks removed.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (MI)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts and inquiries that are still reporting on my account : XXXX XXXX XXXXXXXX XXXX XXXX : {$6900.00} XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2018-12-05
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. (NV)

TransUnion is reporting opened date and payment history in this account XXXX XXXX XXXX XXXX wrong, since this is inaccurate reporting please remove it from my credit report.
Consumer complaint received 2019-08-28
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: EQUIFAX, INC. (GA)

I have many attempts to resolved matters with 2 fraud accounts reporting on my credit report and incorrect account information and inaccurate late reportings to no avail. Please assist in getting the following incorrect information removed from my credit report. I have been dealing with this matter for many months. 

Please assist me in removing the following items from my credit reports : Fraud Accounts : Unknown accounts on Equifax - Acct # XXXX & XXXX Inaccurate late reportings : XXXX, XXXX XXXX, XXXX XXXX on XXXX, and XXXX Unauthorized Inquiries : XXXX, XXXX, XXXX, XXXX of XXXX, XXXX XXXX of XXXX, XXXX XXXX XXXX, XXXX, XXXX,