davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
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. (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. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX XXXX XXXX {$920.00}
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CURO Intermediate Holdings (TX)

I previously filed a complaint against Ad Astra Recovery services through CFPB ( XXXX ). Part of their response was : 1. ) " Within five days of receiving the account, a validation letter was mailed to the address we had on file from our client. '' 2. ) " Following a review of the consumers complaint, Ad Astra could not find any instance of failing to provide validation to the consumer. '' 3. ) " Our client has since confirmed the ACCURACY of the information and the amount owed for the account. We have researched our records and the current records of our client and determined that there is NO INCONSISTENCY with the data we are reporting to the credit reporting agencies. '' Unfortunately, I have looked at my latest reports from XXXX and XXXX, and found that inaccuracies and inconsistencies are being reported on my credit by Ad Astra : 1. Ad Astra Recovery is still reporting two different " Dates Last Active '' to XXXX and to XXXX. 
2. Ad Astra Recovery is reporting two different " Dates Opened '' to XXXX and to XXXX. 
3. Ad Astra Recovery is not reporting a past due amount, credit limit, No. of months ( term ), Date of last payment, or monthly payment.

Ad Astra has an obligation under the FCRA 's " furnisher rule '' to not report information they believe to be untrue or inaccurate or that they've been told is untrue or inaccurate. These inaccuracies and inconsistencies have led me to believe that Ad Astra has NOT researched and verified this account in violation of my rights.

Needless to say, their willful and continued disregard for the law has caused me damages.
Consumer complaint received 2021-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

My name is XXXX XXXX, I am who I say I am. First I want to start off by saying there is no such thing as a " loan '' so that is already false and misleading pursuant to 15 usc 1611. I have already reached out to Santander Consumer USA on several occasions and have proof in the attachments that I will provide. They already have received my cease and desist and have continued to violate it by not giving me the specified remedy within the cease and desist which I know that I am entitled to pursuant to 15 usc 1692c ( c ) ( 2 ) because I am the consumer, original creditor and the natural person pursuant to 15 usc 1692a ( 3 ). I have also sent them 2 separate affidavits of truth which they have ignored and not replied to. within the attachments you will see that Santander Consumer USA continuously and deliberately violate my federally protected consumer rights and currently owe me {$85000.00} usd for each of these individual actions against me pursuant to 15 usc 1692k. I have used exhibits ( which will be attached ) to show PROOF that they are deliberately violating my federally protected consumer rights and I am reaching out o the CFPB to help me receive the remedy that I am entitled to as a consumer.
Consumer complaint received 2022-12-16
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. (IN)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix and update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2021-12-13
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX XXXX Balance {$260.00} Inquiry : XXXXXXXX XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TRUIST FINANCIAL CORPORATION (VA)

I was doing a counter transaction at my bank when a sales rep approached and solicited me for a new credit card with a 5 % cash back for gasoline. I decided to consider the offer, but before all of my questions were answered about the card, such as if the deal was promotional ( which it was ), the account was opened without any written disclosures or my signature, all occurring in about 5 minutes. I was not told this was a promotion and the rep said she could not stop the opening of the account, but I could accept the card, use it once and then close it. Clearly, this rep would only be compensated if I used the card, which I will not do. I was able to speak to a telephone rep who told me she could not close the account because " the card number is not fully built yet. " I would need to call back next week. 

It is next week and my efforts to close the account were unsuccessful due to wait times for a rep on the phone and on their chat platform of over an hour. The account remains open.
Consumer complaint received 2019-08-06
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. (FL)

I am opening a new claim against Transunion. 
1 ) My initial complaint was on XX/XX/19. XXXX 2 ) Transunion closed the complaint on XX/XX/19. As noted in my response, their response was insufficient and they did not address any of the things I outlined in my initial complaint. 
3 ) I believe in retaliation Transunion decreased my score by 23 points from the time I submitted the complaint to todays date. 
4 ) According to them my utilization is now mysteriously higher. 71 % as of XX/XX/19 and 74 % as of todays date ( XX/XX/19 ). 
5 ) My utilization from the time of the complaint ( XX/XX/19 ) to todays date is LOWER. There is zero justification for them decreasing my score outside of sheer spite. 
a. I intentionally did NOT use any credit cards and paid towards balances, even though I had nothing due in some cases : ) b. And as per my original complaint, I had qualms with the utilization they were reporting. 
6 ) Again, I am asking Transunion directly to affirm or deny that they are NOT using my race and sex ( XXXX / female ) to impact my score adversely? 
a. Are white females, who make 6 figures with similar credit profiles rated the same or is there a disparity amongst certain minority groups? 
b. If someone did have a 3 % increase in utilization would it be standard to decrease their score by 23 points or is this reserved for some people?
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I opened a Citibank account in XXXX XXXX I enrolled into direct deposit and the day my XXXX direct deposit hit in XX/XX/2023 my account was randomly closed due to fraud I called and they said a letter was sent, never received a letter to resolve issue. Now my money is stuck in the wind
Consumer complaint received 2022-07-05
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)

THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to TRANSUNION that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act. I never received the required Privacy Notices from these corporations that XXXX is reporting on my consumer report. By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness.

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. TRANSUNION is a third party corporation and I did not give TRANSUNION permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). TRANSUNION assembled a consumer report without my authority this is identity theft.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SIMMONS FIRST NATIONAL CORPORATION (TN)

Simmons Bank is reporting an account as adverse against my credit file which has caused a drop in my XXXXredit score of almost 100 points. The account shows over 30 days past due and it has never been late. I have contacted the creditor numerous times and they agree that the account was never 30 days past due and should be updated. However, the account has not been updated on my credit report and my credit score is still affected. I have disputed this item with XXXX XXXX and the creditor will still not update the account. I have emails from the creditor stating they agree with me and the account should be updated to show it has NOT been 30 days past due. I have also given a copy of my credit report to the creditor to show them the incorrect information is still being reported and nothing has been done. I need to get this account corrected. I have been working on this since XX/XX/2019.
Consumer complaint received 2021-12-13
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

We want Select portfolio to know that we keep our promise. As of XXXX XXXX XXXX we have filed tax evasion complaints against you with the following agencies : Florida Department of revenue, DOJ, IRS, Florida Attorney General, Inspector General.
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2021 a collection account has been wrongfully placed on my credit report. Currently, XXXX XXXX XXXX collection is reporting to my credit report on Transunion with a balance of {$2300.00}. XXXX XXXX XXXX is currently violating my rights as a consumer. I was not provided a violation of debt letter. And according to Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ), and 809 ( 15 USC 1692f ), Validation of debts includes ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such. I contacted experian and they stated that there was nothing that I could do.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Early Warning Services, LLC (GA)

contacted this company to freeze consumer file, they say they can not due so If they are govern by the FRCA they are required to do so, spoke with them XX/XX/19 @ XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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. (IN)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix and update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
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)

THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to TRANSUNION that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act. I never received the required Privacy Notices from these corporations that XXXX is reporting on my consumer report. By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. TRANSUNION is a third party corporation and I did not give TRANSUNION permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). TRANSUNION assembled a consumer report without my authority this is identity theft.
Consumer complaint received 2023-06-29
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I have a complaint against XXXX XXXX XXXX on XX/XX/XXXX they sent a processor to my property with a 3 day notice my tenants never received a 30 day notice but the trespassing and harassment of my tenants are unconstitutional, deceptive practices because this company has never made contact with the equity owner to verify equity with unresolved lender Lakeview Loan Service unlawful filings alleging equity in my home there contract is annulled in XXXX I am the guarantor and I am possessing my property and won't allow trespassing and causing harm to my tenants.I ratify my ownership of the below identified deed which is in full force against all other parties and there fraudulent titled number estoppel. I estoppel any further use of my estate and assets.
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One had an internal payment processing error on my account which has caused me to incur unwarranted late fees and interest charges. 

Here are the details : I received my statement from Capital One on or about XX/XX/2021. I sent payment in full of {$4200.00} a week before it was due. 

I have since received another bill on XX/XX/2021 reflecting late fees and interest charges and a balance of {$4400.00}. 

I immediately called in to confirm you received my payment of {$4200.00}, which was payment in full, and was told by XXXX at Capital One that they had internal problems processing mailed in payments during this time period. Because of this my payment that was due on XX/XX/2021 was not posted until XX/XX/2021. XXXX said she would remove the {$29.00} late fee but said the interest charges of {$89.00} could not be removed. I was then transferred to a supervisor who told me the same thing and that I needed to pay now {$140.00} to close the account and not get more interest charges? 

I attempted to pay the {$140.00} with the supervisor and he then told me he could only take a payment {$120.00} and that he would get back to me regarding more interest charges. So, in effect, I was not given a legal payoff amount and not allowed to pay my bill in full. 

My payment of {$4200.00} was payment in full and was allegedly only 5 days late ( due to Capital One slow processing ) and had somehow incurred {$89.00} in interest in 5 days and now is somehow {$140.00} and growing? 

Captial OnXXXX said they charge interest from the day of the purchase and for XXXX statements after on the average daily balance, even if the balance is paid off you still pay interest. They explained that these details are in the fine print of the credit card agreement. 

What's in you're wallet? The answer is no money if you use Capitol One with their deceptive practices. 

I closed this account and will never do anything with Capital One again.
Consumer complaint received 2024-06-07
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: Continental Finance Company, LLC (MD)

I received an email on XX/XX/year> from XXXX for XXXX indicating I have a new inquiry in my credit report. The inquiry was reported on my XXXX report on XX/XX/year>. I contacted the company twice and there is XXXX option that ask if you XXXX  calling about an inquiry on your credit report, press the star key but each time I call, Im on hold for 40-42 minutes and then I receive a disconnect tone. Also, when I call back I am the first caller but still waiting XXXX minutes. I have no clue what this company is about nor did I apply for anything on XX/XX/year>. Please assist
Consumer complaint received 2022-07-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX Balance {$0.00} Inquiry : XXXX XXXX  Inquired on XX/XX/2021 2021
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (LA)

Approximately XX/XX/XXXX 16 I spoke with a representative of Chase Business credit cards and asked if my business could not keep up with the payments would it show up on my personnel credit report? 
The representative said that it would not go on my personnel credit report but on the business as it was a business card but I would still be responsible for paying the balance. I said I under stood. and accepted the card. 

I spoke with the credit reporting group at Chase, their response was that they did not care what the representative said that they would not work with me to resolve it.
Consumer complaint received 2018-03-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (CA)

TO DAY XX/XX/2018. I WANT TO TELL YOU THAT TO PAYDAY LOAN COLLECT FROM XXXX XXXX XXXX XXXX .THEY HAVE AN ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX .PHONE # XXXX. THEY HAD TO REPORT TO CREDIT REPORTING AGENCIES. I NEVER HAD TO PAYDAY LOAN BEFORE. AND THIS COLLECT WAS HAVING MORE WRONG AS SUCH AS NAME, SS #, ID, AND SO ON. I NEED YOU HELP ME TO CONTRACT THEM TO FIX MY TROUBLE THIS. THANKS.