davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (OH)

I have a vehicle loan with XXXX XXXX with a payment due date of the XXXX of every month. 

XX/XX/2021 - I was 26 days past due on my monthly payment and requested the payment for the month be extended to the end of the loan. I spoke with a customer service representative named XXXX. During the call, XXXX told me that she would check to see if I was eligible to extend the payment. After checking, she came back and told me that I was approved. I do not recall her telling me that she was emailing me something to sign, but according to XXXX, she did. What she did not do was tell me that I had to have the document back before the extension was actually official and that if I didn't have the document back before the next payment, a 30 day negative report would be reported to the credit bureaus. 

During the call I specifically asked XXXX if the account had been reported negatively to the credit bureaus, she confirmed that it had not and I explained that I was glad and that I didn't want that to happen. Even at that time, the representative did not explain that the extension was not complete and that I needed to have the signed document in before it was. 

At the end of the call, based on information given to me by the representative, I was under the impression that the extension was granted and I was not at all aware that if was not final until the signed document was submitted. 

I did not sign the document until around XX/XX/2021. A couple of days later, I got an alert that something happened with my credit score, upon looking, I saw that I had a negative report from XXXX. 

I called XXXX and told them that I did not recall the rep ever telling me that I had to sign the document, and that I know she did not advise me that the extension was not final until they received the signed document. She DID tell me that the extension was approved. 

I have requested that XXXX remove the negative report since they told me the extension was approved, not conditionally approved. They have declined to change the report. 

On XX/XX/2021 I asked for the recording of the call. On XX/XX/2021 I called and spoke with a representative named XXXX and he told me that XXXX had the recording, but I could not have a copy of it, nor would they let me have a transcript or allow me to listen to the call. 

I believe XXXX was wrong for the negative reporting, since they APPROVED the extension on XX/XX/2021 and did NOT tell me that it was not approved until the document was signed. 

I would like the negative report removed and I would like to hear to the phone conversation or have a transcript.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (NY)

Today, XX/XX/2019, I went to Macys and tried to make a purchase. I was informed that my store card was no longer valid because I was upgraded to a combo Macys & XXXX XXXX card. I had been sent an offer and never responded, not knowing ( as customer service told me today ) that it was an opt out option. 
I never wanted the combo and never agreed to it. 
I believe this is not right. I should not have to respond to unwanted and I requested offers. It felt coercive. 
Now, I have to apply for a new store card! How maddening and time wasting is this. 
Please look into Macys policy of offering upgrades. 
Thanks.
Consumer complaint received 2022-03-28
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. (AL)

Due to covid i was unable to work in the filed i am in and shortly after diagnosed with health issues which did not allow me to return to work and in need of filing for XXXX. 
In the meantime we were just down to my husbands income therefore we fell behind on our loan and had close to 11 missed/late payments. We have been current now and see no reason why we could not to continue this. 
I reached out to XXXX XXXX a few times during covid and they did allow us to move a payment back however since we have remained current and on time on XXXX XXXX i called XXXX XXXX and spoke with a customer service rep requesting due to these above circumstances that were out of my control and are currently in good standing would they consider removing the almost {$3000.00} in late fees as well as missed payments on our credit report. I was then transferred to a supervisor and was told to dispute with credit reporting agency which i have done and was told they had no control of the credit reporting nor removing the late fees on our account. I feel they did not even try to help me resolve this issue and did their best to end our conversation without listening or trying to work with us.
Consumer complaint received 2022-01-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2022, I went to XXXX XXXX dealership and spoke with salesman XXXX XXXX, and I completed a consumer credit transaction by applying for a car loan with Bank of America, I was denied my request for credit. I later received an adverse action letter and after reading it, I believe Bank of America is using information from my consumer report to discriminate against me. I am discouraged from making or pursuing any future applications with Bank of America. I sent a letter to Bank of America about my discrimination, but to no avail. I dont agree with their actions! Bank of America is in violation pursuant to 12 CFR Part 1002.4a and 12 CFR Part 1002b. Bank of America has violated me as a consumer by denying me my right to credit. I am making the claim that Bank of America, N.A. is being Hostile, deceitful and fraudulent towards me and this is negatively affecting my life. This has negatively affected my family and has cause me severe hardship, XXXX XXXX  and XXXX. I have been unable to purchase a new vehicle to get to and from work to provide for my wife and kids
Consumer complaint received 2021-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (PA)

I disputed this debt with Aargon and what they sent me in the mail fell woefully short of what I requested. The documentation they sent to me was not received in a timely manner at all! I received their poor excuse for debt validation on XX/XX/XXXX, after I disputed the account on XX/XX/XXXX, and Pursuant to the Fair Debt Collection Act, they have 30 days to respond to a consumer for a validation request. I am very displeased by this, and the inaccurate and untimely reporting of this erroneous account is uncalled for!
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY LETTER, AND A UTILITY BILL FOR FURTHER VERIFICATION.
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (DC)

In XX/XX/XXXX, my parent loan amount was assigned to the provider, Ed Financial Services, https : //edfinancial.com/welcome. The provider reported the balance of the loan, {$15000.00}, to the credit agencies in XX/XX/XXXX. Since then, I have made five payments ( see attached ) from XX/XX/XXXX to XX/XX/XXXX. During the process of making payments towards the loan, XXXX XXXX has never reported the updated balance to the credit agencies since XX/XX/XXXX. I made calls to them on at a minimum the following dates in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I was told their system was broken and they were not reporting to the credit agencies ; however, they would expedite my account and it would be reported on XX/XX/XXXX. As of today, XX/XX/XXXX, nothing has been reported. This is impacting my credit score. The loan is paid in full but is not reflected on my credit report. I want this resolved.
Consumer complaint received 2024-02-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NC)

A collection notice showed up on my credit report. Credence collection agency posted that I owed XXXX XXXX XXXX XXXX XXXX. I never used XXXX XXXX XXXX for phone service.
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (KY)

I discovered in XXXX of XXXX that I was a victim of identity theft. I immediately filed a identity theft report with the FTC and gathered all information and submitted notice to XXXX, Experian and XXXX. The information was received but all three credit bureau 's ignored my attempts to have this corrected. I was able to get some of the fraudulent accounts removed with the original creditors but still have some that I am unable to have block. I have sent all three credit reporting agencies with notices in XX/XX/XXXX and in XXXX when subsequent identity theft was committed. All three credit reporting agencies are picking and choosing which information they will block and which they will not. I feel like this is the next step I am having to take to get this resolved before I try to take this to small claims court.
Consumer complaint received 2022-03-28
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. (KY)

I discovered in XXXX of XXXX that I was a victim of identity theft. I immediately filed a identity theft report with the FTC and gathered all information and submitted notice to XXXX, XXXX and Equifax. The information was received but all three credit bureau 's ignored my attempts to have this corrected. I was able to get some of the fraudulent accounts removed with the original creditors but still have some that I am unable to have block. I have sent all three credit reporting agencies with notices in XX/XX/XXXX and in XXXX when subsequent identity theft was committed. All three credit reporting agencies are picking and choosing which information they will block and which they will not. I feel like this is the next step I am having to take to get this resolved before I try to take this to small claims court.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

After checking my credit reports, I have noticed that on all three of my credit reports are showing several inquiries that I did not make and have no knowledge of. 
XXXX, Experian and XXXX companies are unlawfully reporting an unauthorized inquiry on my consumer report. 
They are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
I have not initiated any transaction with the following accounts : XXXX  XXXX Inquiry : 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 XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX I do know I have an account with XXXX  XXXX which the account was opened XXXX XXXX, XXXX ( XXXX mos ) and that inquiry is accounted for which is XXXX  XXXX on XXXX XXXX but the other Inquiries are not mine nor do I have any open accounts for those dates which means by law they must be deleted. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2023-01-12
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: Credit Systems International, Inc. (TX)

Hi, I've tried to fix this false reporting with XXXX last month and they didn't update the late payment/debt collection I had. I need this late payment that is being reporting on XX/XX/2022 to be update I was never late. I have attached the letter I sent them, and they have no proof of this error they are reporting. This has dramatically affected my life and has me getting denied for cars and apartments. Which has me homeless and car less. I need this fixed ASAP.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

I was incarcerated on XX/XX/XXXX. I was released on XX/XX/XXXX. Unauthorized, fraudulent transactions starting on XX/XX/XXXX and ending on XX/XX/XXXX took a total of {$4300.00} plus associated fees out of my account. I immediately filed a report by phone the night I was released from jail when I found out about the transactions and through the website once I was able to log in. The company denied my claim on XX/XX/XXXX saying that because my pin was used for some of the transactions, they were not unauthorized and I was responsible for them in full. I fully complied with all requests for information. They accused me of making the transactions myself and lying about it, even though I was clearly in jail the whole time this was going on. I submitted an appeal on XX/XX/XXXX. They sent me an email on XX/XX/XXXX saying they had received my appeal but they could give me no time frame on when it would be completed. That money was everything in the world that I had. My home, my car, all my possessions were lost when I went to jail. Please help me. I've always tried to do the right thing and it is unconscionable that Navy Federal Credit Union could get away with this without so much as performing an investigation.
Consumer complaint received 2020-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I opened a new Wells Fargo checking account online using this link ( https : XXXX ) on XX/XX/2020. I entered my XXXX zip code and was told that my account was eligible for the {$400.00} bonus. The terms were to have {$4000.00} in Direct Deposits within 90 days of account opening. I completed the requirements onXX/XX/2020then waited 90 days for my promo to be applied to my account. I reached out onXX/XX/2020to inquire when I would receive my bonus money. The banker advised me a promo code was never applied to my account and that I wont receive it. The banker filled out a form for me about not receiving my bonus but it has been over a week so I called again asking about the status onXX/XX/2020. They transferred me to multiple departments and my call was dropped without ever getting a real answer from a banker on what is happening with my bonus. One customer rep said they're being " backlogged '' and that they cant advise on what is happening with my account.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

PayPal closed my account for no reason and will not help me with getting it back up and going. They are not even giving me any idea on what is happening. They just say we are shutting your account down. I am not sure if this is some mistake as I assume it has to be I have followed all rules and regulations. I have been using Paypal for years with no issues and now I have not been able to get help from them. I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. The large to me amount of money in my account is used for me to live on a daily bases and this is crippling me and my family 's well being. If Paypal wants to not let me use there platform any more that is there choice but they will not let me get my money out at this time. 

My email linked to my PayPal is " XXXX ''
Consumer complaint received 2024-02-14
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. (PA)

XXXX XXXX XXXX is inaccurately reporting this COLLECTION account # XXXX as well as this COLLECTION account # XXXX on my credit report as an OPEN ACCOUNT and also reporting PAST DUE BALANCES. XXXX XXXX XXXX is reporting falsely and inaccurately. this is a clear FTC Violation and must be DELETED immediately. As well as in violation of 15 U.S.C CODE 1681S-2! Also a clear violation of 5 U.S.C 552 a ( i ) ( 3 ) and The Fair Debt Collection Practices Act As Well As 15 U.S.C 1692d. Not only are they reporting with an account status of OPEN but they are also reporting this ACCOUNT # XXXX ( {$210.00} ) as well as this ACCOUNT # XXXX ( {$500.00} ) with an inaccurate past due balance and putting derogatory marks on my credit as LATE PAYMENTS. Which is also a violation of the FCRA which states that I have the right to an accurate and fair credit report. This also violates XXXX XXXX XXXX XXXX XXXX Standards! Delete both of these accounts immediately from all XXXX credit bureaus that are reporting this false, inaccurate, and incomplete information on my credit report. I, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I Request that you provide to me verification of this debt. Verification consists of a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed pursuant to the fair debt collection practices act you are required to cease all collection of this alleged debt which includes reporting to my consumer report EXPERIAN, XXXX, And XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. FURTHERMORE I did not consent to you having my personal or private Information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Please delete all accounts!
Consumer complaint received 2022-01-21
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX
Consumer complaint received 2021-08-27
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. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.