davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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. (NV)

The account is not being reported correctly on my credit report. The account type, account status, date opened, high credit, credit limit, payment status, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. A charged off account can not be reported as late. How is this possible if the bureaus are getting their information from the same source, the XXXX XXXX XXXX I have written letters to the XXXX XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus.
Consumer complaint received 2022-07-29
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. (MO)

I am submitting this complaint to follow up my previous caomplaint submit4ed on XX/XX/2022 regaring the removal of the Fraudulent information from my Credit report. I was frustarted to see that the Credit Bureaus have done nothing to helpe a consuemr in need! I am planning to pursue legal action against the Credit Bureaus if they decide so still not pay heed to my requests and continue reporting the diputed fraudulent items on my Credit File without proper verification. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus. Let me remind the Credit Bureaus that they are obliged to comply with the FCRA section 605b if they can not prove that the items do belong to me by providing documents signed by me. I would greatly appreciate it if the Credit Bureaus can remove the following items at the earliest possible time : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$51.00} XXXX XXXX XXXX  XXXX Balance Owed : {$70.00} XXXX XXXX Balance Owed : {$170.00}
Consumer complaint received 2022-07-29
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. (GA)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$74000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX 6927****Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$68000.00}
Consumer complaint received 2019-05-26
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: CITIBANK, N.A. (FL)

On XX/XX/2019 I made a reservation for a vehicle trough " XXXX for {$160.00}. This reservation was for a SUV vehicle to be picked up at XXXX ( XXXX International Airport ) at a company called " XXXX XXXX XXXX ''. As a frequent traveler renting vehicles, I have learned not to rent from small businesses with unknown track records which are usually off airport grounds. Turns out this company XXXX XXXX XXXX was not at the XXXX International Airport as advertised, it was at a lot, far from it. When I arrived at XXXX XXXX XXXX, as I got in line for check in, the the lady at the counter started asking customers in line if anyone was a Florida Resident. I answered yes. She immediately called me upfront aside and proceeded to inform me that the reason she asked was so that I did not waste time in line. She asked me if I was aware that Florida residents have different terms than those from out of state. I answered no. She said Florida residents usually do not rent from us, and proceeded to explain special clauses for Florida Residents. Two of these clauses, did not suit me for the purpose of my rental. One was high cost for exceeding mileage and the second, a prohibition to go out of the state of Florida. I proceeded to ask for my reservation to be cancelled since I was not aware of this. I had read clauses and restrictions provided online, and in no place I had read what I was just told. In fact, at the end of the Car Rental Company Rules & Restrictions provided by XXXX, as I recalled, it only stated Travel to XXXX is not permitted, travel to XXXX is not permitted. She said that because it was a prepaid rental, it had to be done with online company. I contacted online rental company XXXX and they denied to credit my card because it was a prepaid reservation. I proceeded to open a credit card dispute with the facts but credit card says " we are unable to obtain compensation from the merchant ''. Its appears to be that XXXX XXXX XXXX has deceptive and unfair trade practices, leading customers to misrepresentation of a very poorly redacted online contract/terms, resulting in hard to see or hidden clauses, and providing inaccurate or false information ; which ultimately lead in my case to cancellation of services - not provided, and potential loss of money through a no-cancellation prepaid policy.
Consumer complaint received 2022-07-29
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. (MO)

I am submitting this complaint to follow up my previous caomplaint submit4ed on XX/XX/2022 regaring the removal of the Fraudulent information from my Credit report. I was frustarted to see that the Credit Bureaus have done nothing to helpe a consuemr in need! I am planning to pursue legal action against the Credit Bureaus if they decide so still not pay heed to my requests and continue reporting the diputed fraudulent items on my Credit File without proper verification. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus. Let me remind the Credit Bureaus that they are obliged to comply with the FCRA section 605b if they can not prove that the items do belong to me by providing documents signed by me. I would greatly appreciate it if the Credit Bureaus can remove the following items at the earliest possible time : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXXXXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$51.00} XXXX XXXX XXXX XXXX Balance Owed : {$70.00} XXXX XXXX Balance Owed : {$170.00}
Consumer complaint received 2022-09-06
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. (NV)

The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. My loans have been transferred to the Department of Education. Isn't it true legislation passed during the pandemic requires XXXX to remove all late payments from my credit report?
Consumer complaint received 2023-03-19
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. (CO)

There is an account on my Experian credit report labeled as " XXXX ''. That credit card was stolen in early XXXX, and after I cleared up that incident with the company, there was no amount due, and no late payments. I have never had an amount due or late payments on any accounts, to show a pattern of my financial history. I requested to close my accounting XX/XX/XXXX and was notified by their legal and customer service departments that my account was indeed closed with nothing due and never being late. However, the company fraudulently opened the account in late XXXX without my knowledge or approval. They then reported an amount due late payments after my account had been closed. I provided the proof of information, from XXXX, to Experian showing that my account was closed in XXXX of XXXX, and therefore couldn't be late in XXXX of XXXX or in XXXX. Experian took no action. I notified Experian that failure to correct the information was a violation of the Fair Credit Reporting Act ( FCRA ), and still they took no action. As a result, a mortgage was processing for a purchase of a home, and that loan company increased my rate due to this potential negative information that was false, yet Experian refused to remove. Before I take further legal action, I ask CFPB to take this matter to Experian to both update my report to include the correct information and to pay for the increased costs that I have been burdened with due to the illegal non-action of Experian, which is essentially aiding in the fraudulent activity of XXXX XXXX and XXXX
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southern Credit Recovery, Inc. (LA)

15 U.S.C 1681 section 602 A. States I have the rights 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 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-06-02
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reinvestigated my credit report, I realized that still, the same accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It isn't acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts and fix or correct it in my personal file : 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 2022-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NJ)

There was some credit card transaction which occurred on the XXXX credit account in XX/XX/2021 which were not authorized my me. I have contacted XXXX at the time of the transaction was known to me. It was rectified and settled and removed from my credit account.. 
Now Calvary portfolio credit service debt collection agency have reported the debt back onto my credit account. 
Please remove account and account debt off my credit account..
Consumer complaint received 2024-12-10
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: SYNCHRONY FINANCIAL (CA)

I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.
Consumer complaint received 2023-06-02
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. (IA)

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, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I was the victim of check fraud and Chase has stated that it has practiced ordinary care in honoring these fraudulent checks and because I did not identify the first fraudulent check within a certain amount of time, Chase was not obligated to reimburse me for any of them. Chase has stated that it practiced ordinary care even though some of the checks were presented in XXXX banks and I do not have a history of writing checks that are cashed in XXXX banks. Some of the checks were printed with someone else 's name on it and Chase has stated that it has practiced ordinary care in honoring those checks even though my name is not in the upper left hand corner. 

I am attaching my Affidavit of Unauthorized Signature or Transaction. 

Chase has made other errors identified in complaint ID XXXX that have made me very doubtful of Chase 's internal controls and practices.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I sent Equifax a letter on XX/XX/2020 stating they had put the wrong address to a collection agency I sent a validation letter to on XX/XX/2020. I told them this is a clear violation of FCRA section 623 and now I demand the deletion of this account from my credit report immediately. I have yet to receive anything back from Equifax.
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED BANKSHARES, INC. (NC)

XX/XX/XXXX, scammed out of {$400.00} through XXXX by using XXXX that was linked to my bank account United bank Contacted both XXXX and United bank and they refuse to reimburse me.
Consumer complaint received 2019-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

JP MORGAN CHASE XX/XX/XXXX-XX/XX/XXXX ACCOUNT WAS CLOSED AND IS BEING REPORTED AS A CLOSED FOR CAUSE-PURGE ACCOUNT WAS REOPENED XX/XX/ ACCOUNT WAS CLOSED IN A POSITIVE ASPECT ACCOUNT WAS CLOSED WITH PAYMENT TO PREVENT DEROGATORY MARKS, YET STILL REFLECTS NEGATIVE REMARKS.
Consumer complaint received 2020-08-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

Mortgage complaint XXXX/Sent XXXX XXXX XXXX To : XXXX Mon, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX Bcc : XXXX Wed, XX/XX/XXXX at XXXX XXXX  I signed and agreed to an interest rate of 2.75 and two days ago you called me and stated that some state of Georgia regulation required you to go up on my interest rates to 2.99 %. The question that I have is your company going to honor our initial signed agreement with the interest rate of 2.75 %. 
You also told me that my monthly payments would save me over {$100.00} per month nut however the document that you sent to don't reflect that type of a payment. The new payment monthly that I see here on this document is {$400.00} per month me current payment is know XXXX per month, I'm not financing my home loan just only to save only {$37.00} per month.Therefore I here by cancel this loan process. 

XXXX XXXX cc : XXXX XXXX President XXXX XXXX I signed and agreed to an interest rate of 2.75 and two days ago you called me and stated that some state of Georgia regulation required you to go up on my interest rates to 2.99 %. The question that I have is your company going to honor our initial signed agreement with the interest rate of 2.75 %. You also told me that my monthly payments would save me over {$100.00} per month nut however the document that you sent to don't reflect that type of a payment. The new payment monthly that I see here on this document is {$400.00} per month me current payment is know XXXX per month, I'm not financing my home loan just only to save only {$37.00} per month.Therefore I here by cancel this loan process. XXXX XXXX cc : XXXX XXXX President Wed, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX To : XXXX Tue, XX/XX/XXXX at XXXX XXXX  Sent from XXXX Mail XXXX XXXX XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX Thu, XX/XX/XXXX at XXXX XXXX  Follow up complaint : XXXX XXXX Follow up complaint : Thu, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX This is a follow up to my original complaint. Please contact me as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CADENCE BANK (MS)

On XXXX XXXX, 2022 I was checking bank statements from an account that I had not used recently and discovered a {$5.00} fee on my checking account with Cadence Bank. The account had never had fees charged in the past. This fee had been charged for the past 6 months ( {$30.00} total ). I had not been regularly checking the statements as I knew I had not been moving funds in or out of the account recently. 

I contacted Cadance Bank 's customer service number and was informed that the charge was due to inactivity on the account. I asked if they could point to where in the customer service agreement they had the ability to charge a fee for inactivity and they stated that if they deem the account " abandoned '' they can begin charging additional fees. No where in the terms of service is this {$5.00} fee listed or any information given on when they can classify an account " abandoned ''. I was also given no warning that these fees would begin to be charged. 

I visited a local branch at XXXX XXXX XXXX, XXXX, XXXX and spoke to the Branch Manager about the charges. She stated that it was my duty to monitor my statements and report any fraudulent charges by the bank. This is unacceptable in my opinion that a bank can make up additional charges and fees, not notify the customer, and hold the customer accountable for those fees. I believe this is a an illegal act by the bank as I did not consent to the extra fee, and the fee is not listed in the Cadence Bank fee schedule or in the terms of service.
Consumer complaint received 2021-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There should only be XXXX name appearing on my credit report : XXXX XXXX XXXX. There is also an existing inaccurate account on my credit report that should be removed. On or around XX/XX/XXXX, XXXX recorded a phone call stating that XXXX XXXX did not provide an authorized written contract with my authentic signature. XXXX XXXX  XXXX OF FL is still reporting an alleged account as " bad debt ''. This banking institution has not provided sufficient and certified evidence that this account was authorized by me. This banking institution has been reporting this bad information since XX/XX/XXXX. It is beyond the statute of limitations for a debt collector to report an alleged debt. I am pursuing legal action against the definition and old information.