davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (NV)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Greetings, I have reached out to Experian on two separate occasions my first letter was dated XX/XX/XXXX and the second XX/XX/XXXX. I provided them with a copy of my government-issued ID and my official W2 which has my social security number on it. Furthermore, their refusal to investigate after two requests is a direct violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). As a consumer, I have the right to fair and accurate reporting of my credit report. It is my understanding that under the law they have 30 days from the receipt of my letter to verify the items questioned. It has now been longer than 30 days. This constitutes the reason for the immediate deletion of all items disputed from my credit report which were provided to in both letters. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me that the items have been deleted. You may send an updated copy of my credit report to my address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Consumer complaint received 2020-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NJ)

I have a loan through Chase for a XXXX XXXX XXXX XXXX. The car was purchased on XX/XX/XXXX. The amount due monthly is {$740.00}. Each month since the beginning of he loan I have been paying {$770.00}. Unfortunately for me, I just noticed on the statement they were applying the extra {$25.00} to interest. It says right on the bill overpymts will be applied toward principal. When I called on XX/XX/XXXX and spoke to XXXX she explained to me that Chase has no way of applying overpayments to principal when you don't use Chase bank to make the payment and they would reverse it. She also told me my XX/XX/XXXX payment was only {$650.00} but that doesn't coincide with my bank statement. I called back today XX/XX/XXXX ( because only 4 of the payments were reversed ) and spoke to XXXX and asked for a supervisor. I was transferred to XXXX ( still not a supervisor ) then I got XXXX. XXXX explained to me they have no way of reversing payments over 6 months and they fixed it by applying extra to the principal. What doesn't add up is if they fixed all the payments, why is my principal as of today the same as it was on the XX/XX/XXXX statement? 
I would like 100 % of my overpayments refunded with interest and definitely want others to be aware of the deceptive practices.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has my credit score of XXXX, a drop of XXXX point from last time. 
That the same time my credit score for XXXX is XXXX, and for XXXX is XXXX. 
I try talking with Experian, however that always hang up after 30 minutes on the phone.
Consumer complaint received 2020-10-26
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. (SC)

I mailed in a copy my dispute letter to transunion on XXXX. It has been over 30 day and I have not gotten a response. I have Uploaded A copy of the letter and a copy of my driver 's licence and A utility
Consumer complaint received 2024-02-02
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Account number : XXXX Certified Mail # Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal. 

Yours Truly XXXX, XXXX ( All Rights Reserved )
Consumer complaint received 2020-10-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (CA)

I applied for a Rise payday loan, the interest is way over 100 % and I can not seem to pay this off. I've contacted the company and asked for covid relief several times they deferred payments during covid. However started up again on the wrong date. Another payment was taken and I called back on XX/XX/XXXX to tell them to change back to correct dates which are always fridays and I still needed covid relief/deferred payments. At that point i did not receive anymore payment emails as before. I thought I was under this relief deferral program until i called back today XX/XX/XXXX. I was told the account was in collections 25 days past due and the reason i had not gotten any emails/calls is because someone put my account in cease and assist. However they could not tell me who did this or why they had this noted on the account and advised me they did not know where it came from. I asked if I can qualify to defer the account or just payoff ( told no ) or if I could attempt to just pay off with and additional {$1000.00}. I was told no and i needed to keep make payments by this friday XX/XX/XXXX or they would start reporting negativity to the credit bureaus after 30 days. I live in California and is this even legal to charge this much interest and report negatively to the credit bureaus. I would like this company looked into.. because they do not seem legitimate to charge such outrageous interest. I borrowed {$2600.00}, paid back {$2500.00} ( 11 payments of {$220.00} ). My balance is still showing {$3900.00}. Honestly I don't even know the real interest rate. In California not sure what loop hole these people or using to get away with this. I paid this company every other week on time until the furlough and tried to work with them. My account is in this negative status ( collections ) do to they're customer service representative mistakes, not me. I was unaware because no contact was made to me. The supervisor XXXX told me all he could do is remove the cease and assist because they did not know where it came from on XX/XX/XXXX. However it was a mistake on their end with the customer service rep who advised me on XX/XX/XXXX my account was going to be in the deferral status if I made one payment. Which I did so. I've learned today it's not and they tried to submit a payment on the wrong date again which was declined.
Consumer complaint received 2020-12-09
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: Experian Information Solutions Inc. (NC)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (NJ)

Company CACI received a placement file from XXXX XXXX XXXX XXXX  for a past due membership fee. I cancelled in time which means the fee should not have been referred to collections. The date of placement was XX/XX/XXXX and CACI reported the item to the credit bureau on XX/XX/XXXX. CACI did not send me a validation letter or give me a chance to dispute the collection. I called the creditor and it does not connect to a live person. I emailed the creditor and they have failed to respond. I disputed the matter with CACI and instead of honoring my dispute they sent me a collection notice via email with the date as the date of our discussion. This company is illegal and is placing low balance debt directly to consumer credit report to force them to pay the debt. My credit has taken a big hit because of this. I am a college student and could not get approved for tuition.
Consumer complaint received 2024-02-02
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-12
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. (CA)

I disputed XXXX XXXX XXXX " XXXX XXXX XXXX CA '' with transition, XXXX, and XXXX due to not having any relation to this creditor. I applied at XXXX XXXX and they ended up not signing the lease and pursing with my residence. Yet, they decided to report a balance on my credit report. I have ask all three credit reporting bureaus to review my documents that I mailed to both XXXX  and XXXX. I listed all relevant documents that prove. I have no relations to XXXX XXXX. XXXX did not conduct a through investigation and did not provide the results in writing like I requested in numerous letters. They updated my credit report as the issue was resolved and that the creditor provided a certification to them that the information was accurate. No documents were provided that backed up their claim.
Consumer complaint received 2020-10-26
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. (AZ)

US Department of Education is incorrectly adding information to my credit reports. It states on my credit reports that my accounts are discharged when in fact theyre not. I sent them letters to the two addresses that were provided on the document they sent me letting them know of the paid in full letter. The letters were send back to me from the post office stating undeliverable on both addresses. This is fraudulent and these accounts needs to be deleted immediately.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

contacted credit bureaus in XX/XX/2019 because I was denied a bank account with XXXX XXXXXXXX XXXX XXXX. The bank told me that my birthday was wrong -- XXXX. I was born in XXXX. I faxed a letter and a copy of my STATE ID, SOCIAL SECURITY CARD and no response and no updates.
Consumer complaint received 2021-08-18
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. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-12
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. (TX)

Equifax refuses to remove an unauthorized account from my consumer report. They refuse to follow the fair credit reporting act. My rights are continually violated. Pursuant to 15 usc 1681i, they have not conducted a proper investigation. Instead, they allow the fraudulent creditor to make the decision of whether they want to delete the fraudulent account or keep reporting. 15 usc 1681i states that the credit reporting agency is required to conduct an investigation with consideration to the information I provide, and make an impartial decision. Equifax is not acting fairly towards me nor are they protecting my privacy.

Equifax is reporting two different credit scores as on XX/XX/2022. They are reporting a XXXX as well as a XXXX. This is a violation of the Fair Credit Reporting Act. Equifax recently lost a lawsuit for this same practice and continue to violate consumers with this illegal practice. Equifax is also allowing an unauthorized creditor to report two accounts with the same information, on to my credit report. This is another violation against my consumer rights. Equifax obtained no permissible purpose for these unauthorized accounts, and are allowing companies to pay them and cause harm to me and with no regards for my life or future.
Consumer complaint received 2024-02-02
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. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-12
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: SYNCHRONY FINANCIAL (FL)

I made a reservation on XXXX on XX/XX/2022 for {$380.00} for a 2 night stay at the XXXX XXXXt in XXXX XXXX. Upon contacting the hotel, I was told there was no reservation in my name and the hotel does not have a contract with XXXX. I contacted XXXX and the advised me to wait until the check in date and the hotel would have it in the system. On the day of check in when we were in XXXX XXXX, the hotel again said there is no reservation in my name and they do not take reservations from XXXXl. I again reached out to XXXX  and they contacted the hotel. I have an email from XXXXl stating the hotel is overbooked and can not accommodate my reservation. XXXX has a 100 % refund guarantee if you are unable to check into the hotel. I disputed the charge with PayPal credit and they continually side with the merchant because they have a non-refundable cancellation policy. The reservation was never canceled. The hotel had no room and the hotel has said anyone can call them and they will confirm a reservation was never made in my name nor was any money received from XXXX for a reservation.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (AZ)

I have tried to close this citi card account more than 5 times. I have spent collectively more than 5 hours on the phone with Citbank about this as they continued to charge me despite confirming on the phone that the account has been closed. This is the 2nd complaint I am filing with the CFPB about this. While citi bank did refund me the money that was charged after the account has been closed- it appears from the email photo I have attached, that the account is in fact still open. 

We are now more than 4 months into my process of requesting the account be closed permanently. On XX/XX/XXXX, they emailed me saying the account was closed. Clearly this is not the case. 

I will never open a card with this company again. I am enraged that it has taken so much effort to close a credit card.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Opened a dispute with Experian and subsequently uploaded supporting documentation that I had autopay on a loan with XXXX XXXX. XXXX XXXX failed to withdraw the amount and reported me as being 30 days delinquent. I then paid off the loan and XXXX XXXX never corrected the issue that I was tagged as being 30 days late that month because of them. Experian agreed with XXXX XXXX and refuses to fix my report despite having proof that XXXX XXXX acknowledged autopay was in place. I have contacted XXXX XXXX to resolve this issue and they initially said just to open a dispute. Since XXXX continually reports their mistake as " accurate '', they provided an email address for assistance with the issue. Experian simply takes their word over evidence to the contrary. I opted to partake in the autopay program specifically to avoid such " we didn't receive your check in time '' claims.