davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
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: EQUIFAX, INC. (NY)

On XX/XX/XXXX, I submitted a complaint to CFPB complaint # XXXX stating the following : XXXX XXXX is reporting inaccurate information on my credit report. They reported that I have a late payment of 30 days or more for the month on XX/XX/XXXX. I have proof of all payments made along with the dates and also proof of all payments on their site shows that I have never been late 30 days a or more while having this account. I filed a dispute with all 3 credit reporting agencies but the company refuses to update their information. I also called in on multiple occasions regarding this and representatives have told me that they do not see any late payments of 30 days or more on my account and my account is paid up to date and in good standing. Representatives have also put in a request for further investigation into the matter but the company has failed to respond or send any correspondence to me stating that I have been 30 days or more late with a payment. Payment dates since the opening of the account which was on XX/XX/XXXX. Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of these payments show paid via my bank account and also on XXXX XXXX account. I am asking that they fix this matter immediately before additional legal action is sought. Equifax failed to review the evidence attached to the original complaint that was filed to show that company is reporting fraudulent information on my credit report. I am again attaching all bank statements with payments dates highlighted to show that all payments were made on time as required.
Consumer complaint received 2021-06-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Clearing House of America, Inc. (OH)

My rights were violated by CCHA Starting with 15 usc 1692b - I received phone calls as well as letters with letterheads from CCHA both stating i owe a debt in which is a violation - i received multiple letters from CCHA and phone calls which is a violation of 1692b that i as a consumer shall not be contacted more then once unless i request. 
- the language and symbol used on the letters from CCHA are a violation of 15 USC 1692b which also is a violation of my privacy as a consumer.
Consumer complaint received 2019-11-09
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. (MN)

I tried to call Experian and there is no way to speak with a human being, just an automated system that hangs up on you afterwards. This is unacceptable. I sent letters and and there no resolution to my issues. I am a victim of ID theft and there seems to be a bunch of credit inquiries that are unauthorized that appear on my file. They are having adverse effect on my credit, however Experian is stating they won't remove it and that I have to contact the inquirer, I spoke with those inquiries and they told me I need to start the dispute with Experian. 

XXXX XXXX date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX EXPERIAN XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX. 
Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX   XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX, XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-06-28
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: American Capital Enterprises, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc. (KY)

" New Issue '' GLA stated they verified this debt using E-Oscar. The law requires all relevant information meaning documentation be sent directly to the credit bureaus. How did you verify this debt using E-Oscar to the credit bureaus, did you not use a 2 or 3 numeric code to verify and if so I will be seeking a violation under section 623 ( a ) ( 8 )? I never received any notice of my right to dispute nor any correspondence to my mailing address of a debt validation letter on this debt.
Consumer complaint received 2019-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (AE)

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX They have no email. This debt says it is from XXXX XXXX which was the last phone carrier I had when I lived in the USA ( Hawaii ) ... but I have not lived in USA since XX/XX/XXXX. I called XXXX to cut off my service when I moved to XXXX ( XX/XX/XXXX ) but apparently they did not close out the account as they should have. I did not find out about the error until I had a work trip back to USA in XXXX. I have not been in the USA even for a holiday since that trip in XXXX. I have plenty of documentation that can prove my move to XXXX. Hawaii has a 6 year statute of limitations on debt so that has expired, but Jefferson Capital seems to show a date of XXXX. And I still live overseas ( XXXX now, still with military ) so it makes this difficult to dispute. 

This debt has not been validated to me in any way. Given my moves, it is probably related to problems with mail ... but this is ridiculous. XXXX can't charge someone out of the country that can't even know they are charging. I called to cancel. My cellphone wasn't even on once I flew to XXXX ( different SIM system ). And Capital can't use a date from 3 years AFTER I moved outside the USA. I've disputed the debt but not answer from anyone. Jefferson Capital has never sent me any paperwork validating the debt.
Consumer complaint received 2021-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

( 1 ) Navient page 5 under Governing law and Notice last paragraph state No provision of this Note may be modified or waived expect in writing by the lender of the Note what does that mean?

( 2 ) Why does the Lender of the Note state my IDs?
Consumer complaint received 2019-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Portfolio Recovery, I never received anything of a debt validation by mail. You reported this debt to the credit bureaus anyways damaging my credit. I request you send this debt back to the original creditor and immediate deletion of all reporting to the credit bureaus immediately. FCRA has strict guidelines on how a debt is supposed to be properly served and then reported on a consumer. This procedure has been violated.
Consumer complaint received 2019-11-09
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. (CA)

Hello Dear CFPB Please assist me to block FRAUD IDENTITY THEFT XXXX XXXX XXXX XXXX I send to Experian special services Valid FTC identity theft report but they refused to block by telling me i had material benefits or other bogus reason. I spoke many supervisor and representatives and could not get this account blocked. I spoke with XXXX supervisor legion special service department. 

My Experian c Report Number : XXXX
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

My information was at risk after the data hack of Equifax. I had spent 3 hours on the phone beginning XX/XX/XXXXto freeze my credit. I was hung up on twice, and the third time told I would have to pay them to put an alert on my account for fraud, as well as to freeze it, despite statements made by Equifax that it would be free. At XXXX years old, I have a XXXX credit score, and now, due to their lack of due diligence, my hard work could be completely stolen.
Consumer complaint received 2021-01-22
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. (NJ)

I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the error have been highlighted. Here as follow is item in error : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2020-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The accounts listed are not related to any transactions done by myself. I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy/fraudulent accounts listed on my credit report.
Consumer complaint received 2019-11-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WASHINGTON FEDERAL BANK (WA)

I grew up in the banking world with both of my parents working for the bank for years. I feel as I know the ins and out of simple banking. I went in today to the washington federal bank in XXXX Wa. I had the worst experience of my life. Not only are they doing a remodel which the bank is working in tighter rooms making it so others can be closer by. 
I'm embarrassed for the way I was treated today. I went in for what I thought would be a simple deposit that turned out as the worst deposit ever. 
It's more about the lack of customer service then the bank. I had to deal with two tellers from XXXX who are the rudest people ever. 
XXXX and XXXX from the XXXX location have the worst customer service. 
XXXX who was helping me out was called to help another customer. My simple deposit wasnt going to take hours but she left me to attend to another customer. 
When XXXX came by she asked s rudely what I wanted when I asked her to not speak to me in that tone she simply rolled her eyes and left. 
What happened to the simple customer service with the " how may I help you today? '' " What can I do for you today? '' I could go on. " What do you want? " that's insane. I'm very grateful for surveillance cameras to see how both of them were. After being a customer since I was young I'm happy to switch. I will never refer anyone to this branch or bank. 
Hopefully they get some training soon!!!
Consumer complaint received 2021-01-22
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. (TX)

THE SYSTEM IS BROKEN,,, HOW CAN ONE BUREAU REPORT ONE THING AND THE OTHER SAY SOMETHING DIFFERENT. IT'S A VIOLATION TO DO THAT! THESE COLLECTION/CHARGE-OFFS ARE REPORTING INACCURATELY AND NEED TO BE REMOVE IMMEDIATELY. LATE PAYMENTS REPORTING AFTER ACCOUNTS BEING CLOSED. CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THIS ACCOUNT IS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. REMOVE IMMEDIATELY. 
DATE LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED.INACCURATE ... ... ... VIOLATIONS!!!! INQUIRIES NEED REMOVING AS WELL. 
1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX
Consumer complaint received 2022-08-11
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)

n accordance with the Fair Credit Reporting act 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 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 2023-01-12
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. (GA)

I was in XXXX with XXXX XXXX and ended it XXXX 2022. I have been making regular payments and was being told do not worry about being reported late we are still waiting on the XXXX of XXXX Affairs to do their part and it will get your account back in order. So since my acct was in this forbearance period it looks past due which means I can not make payments online so I have to call in. I make payments and anytime I get a notice I get afraid of being reported late so I call them and get reassurance I wont be reported late. I woke up this morning to a alert that XXXX had reported my acct 180 days past due. I called to confirm that they were still waiting on the XXXX  then I asked if youre still waiting on the XXXX  why was I reported late to the credit bureau to which the rep had no response. No one has contacted me or understand how this has affected my credit.
Consumer complaint received 2021-07-03
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: EQUIFAX, INC. (TX)

I was looking at my XXXX & Equifax credit report and noticed the following unauthorized inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX To XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Can you remove them from my credit report immediately
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

This complaint is in response to the company 's response from complaint number XXXX. 
I disagree with the company 's response. They denied that any of my rights were violated and that is incorrect per 15 USC 1692e. If it is a debt that is owed like they " alleged '' all charges I owed should be shown in the negative per the LAW. Per my credit reports and the statements sent from the company the alleged debt is shown in the positive. If it is a debt and it is owed it should be shown in the negative. I have sent an Affidavit of Truth to the company in which they did not respond in the correct matter so per the law the debt should be removed from all of my credit reports and from their system. I also followed up with a Notice of Default and Opportunity to Cure on XX/XX/XXXX giving the company 10 days to respond and resolve the issue but have not received a response.
Consumer complaint received 2019-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

XXXX, this FRAUD named XXXX or XXXX XXXX sold an XXXX XXXX XXXX at {$400.00}. I have never dealt with this fraud and I have never used XXXX XXXX before. 

1XX/XX/19 I messaged her asking when she sent the phone. She attempted to extort me for an additional {$50.00} to ship the phone that I immediately shot down. At that moment, this was a SCAM!!! 

XXXX I tried contacting her on XXXX. She didnt respond. The number provided all went to voicemail. Later at XXXX, she blocked my account! 

ALL WEEK, XXXX to today when I yelled at a PayPal rep to work on this matter, I have called over and over to demand that PayPal overturn this transaction. They have refused. All calls goes out to overseas in the XXXX. They sound like clueless robots and are uncooperative! PayPal has been reported in two places this week! 

My bank XXXX XXXX has also let me down. They are at least trying to work with me, but to little results. But latest anger goes towards XXXX XXXX XXXX On PayPal , that payment of {$400.00} is sent to XXXX XXXX XXXX XXXX has responded only by electronic responses, not human responses and told me they can not help me. Thats NONSENSE!!! They are shirking responsibility for this SCAM! They have on record what happened. They dont wan na put in the work to refund me of the money sent to that Scam artist fraud!!!
Consumer complaint received 2019-09-21
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: Experian Information Solutions Inc. (NM)

In XXXX of XXXX, then XXXX XXXX  XXXX XXXX XXXX XXXX ( now XXXX ) repossessed a vehicle we financed through them after they cleaned out our bank accounts of one months income because of another issue we had with them. Since then the nasty employees at this institution have continued to intentionally falsify reports to the credit reporting agencies. It was immeadiately expunged by one of the agencies because they obviously saw the discrepencies in the reporting by this cu. I attempted to contact the credit union, of course to no avail, I filed a complaint with Experien, which went nowhere, Experien will no longer deal with me on this matter at all. I have the original letter from XXXX, dated XX/XX/XXXX, about the reposession, and a copy of their history file on Experien. As you can see, XXXX started reporting that the account was ok in XXXX of XXXX and then suddenly, in XXXX of XXXX, it was repossessed, over 4 years after the fact. XXXX did this intentionally so it would remain on my credit report longer. They are a vindictive lot!! Now ten years later, and I believe 7 years is the max for repos to be on my report, they are telling me it won't come off till XXXX because of how XXXX reported it. Any assistance in this matter would be greatly appreciated.
Consumer complaint received 2019-11-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NC)

I have reached out to Ally Financial regarding my car loan. I called on XX/XX/XXXX and requested a re-write to lower my monthly payments to $ XXXX {$300.00}, due to unexpected expenses. I have spoke to a representative and was given a case # XXXX for the re-write. I was advised to allow 1-2 business days for a call back for this rewrite. I have spoke to representatives in rewrite by the name of XXXX and she advised me that I only made 6 payments since I had my car loan. I have had my contract car loan with Ally Financial since XX/XX/XXXX. I have made way over 6 payments on my car loan and was also given extension due to natural disasters.
Consumer complaint received 2021-01-22
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: BARCLAYS BANK DELAWARE (IL)

On XX/XX/XXXX I cancelled a purchase I made with XXXX XXXX. I have a document from the title company that says the contract was cancelled. In the contract, XXXX XXXX started a XXXX credit card and put {$9000.00} on it and when the contract was cancelled they claimed they could still charge me {$1000.00} promotional fee even though I didn't receive anything. When I found this out I started a dispute with XXXX in XXXX after I got a bill. My dispute is I cancelled the contract, so XXXX cant still charge me for the contract. I received a letter dated XX/XX/XXXX that acknowledged I had started a dispute. On documents dated XX/XX/XXXX and XX/XX/XXXX I received documents that stated they were investigating my dispute and would contact me if they needed additional information. On a document dated XX/XX/XXXX, XXXX said I didn't give them enough information and where rejecting my complaint. I called XXXX in the first week of XXXX, XXXX, to ask about what information they needed and that they hadn't asked for any information and hadn't given me any time to submit the information they needed. In the phone call they said a manager would call me within 48 hours to talk about the situation, but no one has ever called me.
Consumer complaint received 2021-08-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Contacted RashCurtis in XX/XX/XXXX about old medical debt that is time-barred after 4 years under California Statute of Limitations on Debt ( Start date was XX/XX/XXXX ). RashCurtis claimed they could no assist me without a file number and then proceeded to start increasing the debt each month by {$1.00}. So first they lied to me and then they started falsely adding fees on a time-barred debt.

RashCurtis is now increasing the amount of the debt monthly by {$1.00}, ( now {$210.00} ), which is a false misrepresentation of the debt owed as it is uncollectible and they can not collect or continue to charge me additional fees under The Rosenthal Fair Debt Collection Practices Act California Civil Code.