davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
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: I.C. System, Inc. (MI)

IC SYSTEM is FRAUDULENTLY and ILLIGALLY attempting to collect monies for which there IS NO SIGNED CONTRACT nor ANY EVIDENCE that they're entitled to. 
IC SYSTEM has DAMAGED my credit report with their BOGUS and FRAUDULENT COLLECTION. 
I want this IC SYSTEM fraudulent collection REMOVED from my account immediately and NEVER re-appear again. 
Should IC SYSTEM fail to remove their FRAUDULENT collection off my credit report, I will have no choice but to file a lawsuit against IC SYSTEM in the State of Michigan. 


Sincerely, XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-07
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. (GA)

By federal requirements youre all supposed to investigate certified mail that I sent you. Over the course of the last six months I have spent my hard earned money to be able to afford sending you mail that you guys are required to investigate.

You all should be ashamed of yourselves as companies you guys have caused me a great deal of anxiety and stress Once again each unless one of you companies are willfully noncompliant when it comes to my affairs.Let this be your final warning and I notice to all of you.

My attachments are attached to this complaint.
Consumer complaint received 2021-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

I recently reviewed my credit report after being release from prison and found that I have been a victim of id theft. I have a collection from XXXX XXXX OF XXXX Original creditor : XXXX XXXX XXXX that is not my debt and I never was notified that I owed a debt. The negative collections are hindering my ability to acquire a place to live. Below is a copy of the collection. 


Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1200.00} {$1200.00} Payment Info Original balance {$1200.00} Balance {$1200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/XXXX RE : Bad faith failure to provide XXXX credit card insurance coverage on claim XXXX XXXXChase and their administrator,  XXXX XXXX XXXX, have continued to delay providing clearly required and repeatedly admitted insurance coverage for damage to a car rented using our XXXX/Chase credit card. Despite our repeatedly providing the same information to XXXX/Chase through their claims administrator over the last 6 weeks they have failed to respond. This delay now imminently threatens our credit rating. 

The car we rented from XXXX XXXXl was scraped on XX/XX/XXXX. We notified XXXX on XX/XX/XXXX by phone. On XX/XX/XXXX after receiving the repair information from XXXX, we sent XXXX  the requested voluminous information to XXXX/Chases claims administrator XXXX XXXX XXXX, which we assembled, responding completely to all of XXXX/Chases inquiries. 

Since that time XXXXChase, through their administrator XXXX XXXX XXXX, has three times responded to us, asking the same questions they initially asked, each of which was completely answered in the materials we initially provided to XXXX. XXXX investigators failed to look beyond the first page of scanned documents. We did, however, respond to each new inquiry completely and promptly, providing again the repeatedly requested information. 

XXXX XXXX XXXX XXXX has now given us until XX/XX/XXXX, to make payment or they will refer the matter for collection. This is entirely XXXX fault and their delay is wholly without justification. 

We have talked to XXXX people, who say XXXX/Chase does this all the time : delaying, and then trying to save money by further negotiating down what they owe, even though there is no question what is owed. For instance, XXXX/Chase haas now submitted a proposal that does not cover the interest XXXX has added for all the delay, and that requires a release, even through they are not entitled to a release from XXXX. 

Thank you for your attention. 


XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX. XXXX mobiles
Consumer complaint received 2024-03-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: General Motors Financial Company, Inc. (PA)

On XX/XX/2024, my vehicle was repossessed by your company due to a returned payment. While I understand the circumstances that led to this action, I am deeply disappointed by the lack of communication and empathy displayed throughout the process.

The experience was not only distressing but also poorly managed. I was not adequately informed about the repossession procedure beforehand, and the manner in which it was carried out was both unprofessional and disorganized. As a loyal customer of your company, I expected a higher level of service and transparency in such a situation.

I have been calling since XX/XX/2024 to figure out the amount I owe and have been given conflicting information. I received a letter in the mail stating what I have to pay in order to reinstate my loan and am being told a much higher amount over the phone. I still have no clear explanation as to what I owe and the amount is growing day by day, this is predatory. Every time I have gone to pay my monthly payment on the app I have had no past due notices. The representative told me that the app doesnt show returned payments- this is predatory and is only setting up customers for failure.

Furthermore, the lack of assistance in resolving the issue and the unresponsiveness of the customer service team have only added to my frustration. I believe that the handling of this matter reflects poorly on your company and undermines the trust and loyalty that customers like myself have placed in your brand.

I am reaching out to you in the hope that you can address these concerns promptly and ensure that measures are taken to prevent similar incidents in the future. Improving communication, providing clearer guidelines for repossession procedures, and enhancing customer support are essential steps that can help enhance the overall customer experience and maintain your company 's reputation.

I would appreciate the opportunity to discuss this matter further and explore potential solutions to prevent such occurrences in the future. Your attention to this issue is crucial in retaining the trust and satisfaction of your customers.

If I dont not hear anything back about this situation, I will have no choice but to file a class action lawsuit as Im sure I am not the only customer experiencing a situation like this.

Thank you for your time and consideration. I look forward to hearing from you soon.
Consumer complaint received 2023-08-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (GA)

I purchased a vehicle through US Auto Sales in XXXX, I made payments and in XXXX or XXXX of XXXX was notified that the loans were turned over to Westlake Portfolio which is a collection agency, I was makeing my payments as schedule and on time. Im not having an issues due to not knowing if my car will be reposseded or if Ill get my title once Ive finished paying and need some assistance. I aslo asked for my information on my extended warranties and gap and received nothing. Im a customer that is confused on all that is going on and in the mix of it all.
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

The monthly {$350.00} alimony I receive from ex ( XXXX XXXX XXXX / XXXX XXXX NV for past 20 years ) normally is deposited beginning of month. I finally wrote to ask him where it was and he responded money sent XXXX. XXXX XXXX checking XXXX USAA XXXX XXXX Tx. Check number XXXX confirmation number XXXX. A similar incident happened in 2016 where money was being deposited in ex husbands USAA account and CFPB had to intervene on my behalf to move money to my account. Ex in 2016 threatened to sue me for harassment as I tried to resolve. Ex is still hostile and will not assist. USAA is non responsive to my messages. Already spent 47 minutes on phone with no resolution and lack of follow through. 

Former CFPB USAA complaint # : XXXX ( 2016 ) Former CFPB XXXX  XXXX XXXX  # : XXXX ( 2016 )
Consumer complaint received 2019-08-19
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. (MA)

I filing a complaint with Equifax credit bureau for false credit reporting on my credit report, I have dispute fraudulently account with Equifax with a copy of police report and equifax continually keep reporting the two fraudulent account, when called to speak to a representative I get the run around. This has impact my life in a bad way. it's had ruin my life. I am aware that equifax is being sue for inaccuracies on people account.  I am requesting for equifax to remove the two fraudulent account from my credit file, the two account is XXXX   XXXX for the amount of $XXXX and XXXX  XXXX XXXX for the amount $XXXX
Consumer complaint received 2017-12-17
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. (SC)

There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. 



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 2021-12-03
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. (NY)

I have checked my Experian credit report on XXXX different computers- and my credit report clearly has not been updated since XX/XX/2021. We are now in XXXX 2021. I was not able to get a car loan because the information on my credit report is outdated. 

I even purchased the monthly package for {$24.00} per month for the correct information and I am not receiving what I purchased. 

I have contacted Experian and explained the situation to them on XXXX different occasion and was told they would submit a ticket and someone look into it. Again my credit report has not been updated.
Consumer complaint received 2020-09-08
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. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX, The credit bureaus stated that XXXX XXXX XXXX  XXXX, was verified and properly investigated but how is that possible if the status is inaccurate, date last reported is inaccurate, opened date is inaccurate and the date last payment is not accurate.This is grounds for removal.They also violated my rights under 15 U.S.C 1681 Section 604 A Sec 2 : The Law clearly states that a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish anything on my account And according to 15 U.S. Code 1681e - Compliance procedures. No consumer reporting agency may furnish a consumer report to any person. 

Also according to 15 U.S. Code 1681e ( b ) Accuracy of report procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These are clear violation 15 U.S. Code 1681i ( 5 ( A ) - can not be verified, the consumer reporting agency shall 15 U.S. Code 1681i ( 5 ( A ) ( i ) -promptly delete that item of information from the file of the consumer
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

I opened up a credit card and put down an {$800.00} deposit over a year ago. Citibank closed my account on XX/XX/XXXX and did not notify me and then accepted a payment on the account of {$550.00} on XX/XX/XXXX even thought they had a deposit on hand to clear the account balance. Ive received multiple responses from their customer service department In the last 4 weeks about getting the remaining deposit back. The representative have stated it would be returned anywhere from two weeks to 60 days and it changes with each call. Citibank reps state they wont credit the remaining balance on the account now until the cycle closes which is XX/XX/XXXX using the deposit so Im being charged interest on money Ive already paid. The representative today would not give me final refund total although I expect its around {$390.00}. They now are saying they need to issue a check and wont do an electronic deposit. The customer service person I spoke to today said she requested an expedited request but cant guarantee the check will go out. Told it could take 30 more days. I need the funds and Ive waited 30 days. Im not sure why I cant just walk into a branch and get a refund or why they cant refund electronically. Thats how they received the deposit in the first place.
Consumer complaint received 2018-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently ordered my credit report from TransUnion and notice that there were a few inquires that I didn't recognize or authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX via XXXXTransUnion XXXX XXXX XXXX XXXX XXXX via TransUnion XXXX TransUnion XXXX XXXX XXXX XXXX   TransUnion XXXX XXXX XXXX via XXXX XXXX TransUnion 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 these listed above are the inquires that are unauthorized and unrecognizable. I called and spoke to a representative and he stated that there was nothing that he could do to help me. I put a fraud alert on my credit report for XXXX, XXXX, XXXX for reasons such as this. I would like to have these inquiries removed immediately.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (CA)

I have been with Wells Fargo since the 1990s, and have also been in business since that time. This morning, I was solicited by a Wells Fargo Bank Personal Banker, in the branch, for a " Wells Fargo Business Credit Card ''. Although I immediately declined interest ( as I have enough revolving credit available already ), the employee tried to sell me on the fact that " this business card would build the business 's credit ''. Being very familiar with Wells Fargo 's " sales practices '' and their history of unethical credit sales practices ( for which they have been fined in the past by the U.S. government ) ; AND, my knowledge and experience with business credit, I expressed my skepticism to the banker. I tried to give her the benefit of the doubt, and allow her to address my reticence, but she became quite defensive, argumentative, and rude. So, I stuck to my declination, and decided to look into her claims later. I've now done that, and not surprisingly, she was lying through her teeth ( as I suspected ). According to XXXX ( since Wells Fargo does not make the necessary information readily available online ), like most retail " business '' credit cards, they " do not help build your business credit ''. The reason I am so upset, is because not only has Wells Fargo been punished for unethical practices involving their credit products in the past, but most customers are not as savvy about credit as I am, and I know that this dishonest practice has undoubtedly enticed countless others into availing themselves of this Wells Fargo product, for a promised benefit that is not available. I also know this is not an isolated issue, because I've received the same dishonest " pitch '' for this exact same product for decades, from employees in branches across the country. What made this occasion more objectionable, is the attitude that the employee had. Previous employees have acknowledged their lack of understanding and certainty about the false claim ; this one became defensive, argumentative, and rude -- another tactic that likely coerces customers of a different constitution. Since unnecessary credit has a tangibly negative impact on consumers, I believe that this issue ought to be adequately investigated by the CFPB, and that they should hold Wells Fargo accountable for the continued pattern of unethical credit sales practices ( since they clearly have not learned their lesson from the last round of fines ).
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

THIS IS A REQUEST OF VALIDATION. THIS COMPANY HAS YET TO RESPOND TO MY PREVIOUS ATTEMPTS TO PROVIDE A CONTRACT SIGNED BY ME BETWEEN THEM AND I. NO DEBT CAN BE COLLECTED WITHOUT THE PROPER STEPS BEING MADE. PLEASE SE FCRA SECTION 609 ( A ) 1 a
Consumer complaint received 2021-05-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Kohls/ Capital One report my account 30 days late in XX/XX/XXXX. I have never been late on this account and valid payment history and statements validates my complaint. I made a large payment on XX/XX/XXXX of {$500.00}, Kohls/Capital One failed to apply XXXX 's payment and place the total amount of {$500.00} towards balance. This in return cause my account to be reported 30 days behind. This is there error with their automatic system that failed to apply amount due and rest of payment towards remaining balance. I am unable to speak to a live person at Kohls/Capital One, they forward the inquiry to a different department who you are not able to contact directly. This complaint has been filed with XXXX and XXXX, they have resolved this issue. My file with XXXX and XXXX  is showing no late payment history based on supportive documents I submitted to validate perfect payment history since XXXX.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

Experian has this information listed in my credit report. This information is inaccurate and does not belong on my credit report:NoticesAs part of our fraud protection efforts, a notice with additional information may appear on your Report. Notices are not disputable online. If you believe that this information is incorrect, please contact an Experian Specialist for assistance at XXXX This address has pertained to a business: XXXX XXXX XXXX XXXX XXXX TX XXXX .XXXX  XXXX: XXXX XXXX XXXX XXXX XXXX TX, XXXX."
Consumer complaint received 2022-04-28
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (CA)

In accordance with the fair credit reporting act XXXX Account 's with Fed Loan, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment as late for purpose.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

i'm complaining about unfair portrayal of credit information on XXXX, XXXX, and equifax.The negative portrayals of XXXX XXXX acct. no. XXXX, XXXX  XXXX XXXX, account no XXXX, XXXX  XXXX XXXX, acct. no.XXXX, and XXXX  XXXX  XXXX are due to a single source that was beyond my control and overwhelming me.My spouse who is now divorced from me was systematically stealing and using credit without my permission.As a result I am left with severe credit damage which could be mitigated by you.