davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-18
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)

In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 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 consent.
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (TX)

XX/XX/2020 : I filed a dispute with XX/XX/XXXXand XX/XX/XXXX about two American Express accounts appearing on my reports with large balances due which had been charged off ruining my credit rating. I can not rent or buy a home and face homelessness soon unable to move from a place which is price gouging due to the pandemic. The Amex accounts end in XXXX and XXXX. I reported the debt is not mine to the credit bureaus and requested to have the debt removed because all of the debt is my deceased husband 's XXXX treatment medical bills, work clothing, and business expenses. Other of my husband 's debts were also included on the credit report. Of those, only Amex has resumed predatory debt collection tactics calling everyday, mulitple times a day, leaving messages.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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 i
Consumer complaint received 2023-06-23
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)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

I agreed to pay debt and provided them my card info XX/XX/XXXX. They called me back 4 times from 4 different numbers asking for my card information again each time. I then called then called XXXX who the account was for and paid them directly XX/XX/XXXX. I notified the collection agency to remove from my credit file and they said they havent been notified by XXXX. On XX/XX/XXXX I did a conference call with XXXX and the collection agency and they confirm payment and provided reference number for the payment. Then two weeks later I called again because it was still reflecting on my credit file. The collection agency said they needed to investigate. I sent an email with payment confirmation to XXXX XX/XX/XXXX its still on my credit file and XXXX removed it from collections when payment was made XX/XX/XXXX.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUN WEST MORTGAGE COMPANY, INC. (NV)

I currently have a mortgage account with Sun West Mortgage ... A couple of years ago I was out of the country and had some problems with transferring funds and speaking with Sun West Mortgage to make my payment. My payments are due by the XXXX of the month and for whatever reason I paid this account either on the XXXX or the XXXX of the same month. I absolutely do not believe I was 30 days late on this payment, but Sun West continues to report this payment as 30 days late. I have been disputing this late payment with the credit bureaus but have not been able to get them to remove it. I have tried calling Sun West several times but they have not really helped me resolve this issue. This late payment is really causing some challenges on my credit score and I would really appreciate having this inaccuracy removed.
Consumer complaint received 2023-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (GA)

Chime refuses to give me my money back after a woman from XXXX scammed me. She told me to send her {$200.00} for a car and after coming to get the car she wanted me to pay for it before seeing it. I asked Chime 3 times to shut down her account and they refused.
Consumer complaint received 2023-07-01
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. (DC)

I have already filed a complaint on the debt collected XXXX XXXX for trying to collect a debt that was fraud and not my account. I also filed a police report with my police department. I have proof of documents. The account was deleted from my XXXX report but trans union is still reporting. This is not my account.
Consumer complaint received 2020-07-15
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2022-01-05
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. (GA)

This account shows as a charge off paid account. This information is incorrect. I have contacted this company several times regarding this matter. And no one is willing to help assist me in correcting the information. 

It is listed as a loan which is inaccurate. It shows as a charge off which is inaccurate. It states that this account was closed on XX/XX/2021 which is also incorrect.
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management (TN)

Fox Collection Center, XXXX XXXX XXXX, XXXX, TN XXXX has reported a debt to our credit bureaus over a debt that they have never proven is ours despite our multiple requests. 

They initially only sent their statement saying we owed the debt, which is fine. But my wife, as law & their own statement allows for, emailed them on XX/XX/2021 requesting the actual bills or signed statements proving this is our debt. 

Fox Collection simply responded in an email response with yet another one of their own attached statements dated XX/XX/2021 about the amount owed. Again, this was not proof from the Creditor in question, but simply a statement from Fox Collection.

So we called Fox Collection and spoke to " XXXX '' on XX/XX/2021. Again, I explained that we have only received collection requests & warnings from Fox Collection Center but still NO PROOF of the debt itself in the form of statements or signed agreements from this supposed Creditor. " XXXX '' asserted that their statements ARE the proof and we will need to pay the debt based on their statement alone if we want it removed from our credit report. Of course, their assertions and statements do not constitute proof of the debt. 

We have asked them to either provide the proof or have the negative report removed from the Credit Bureaus. 

Thank you so much for your attention to this frustrating matter.
Consumer complaint received 2022-08-15
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXI # 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 2022-05-25
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. (SC)

XXXX XXXX Date : XX/XX/2021 Amount : {$350.00} In accordance with the Fair Credit Reporting Act 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 2021-10-17
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)

Im having a issue with Experian and XXXX credit bureau reporting false and inaccurate information about me thats causing me emotion distress and violating my rights as a consumer i would like if you can step in abd help me resolve this matter it has been more than the regulated time to clear up there wring doing and i haven't gotten a resolution that is fair and accurate. 
Experian and XXXX is under violation for not following US 15 1692 ( e ) ( 7 ) ( 13 ) also US 15 1692 ( a ).

I sent this letter by USPS certified mail without receiving proper notice from Experian.
Consumer complaint received 2023-05-26
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. (HI)

Citi bank Costco card has been overturning my disputes, I believe there are 61 I was told. Some of them are either purchased and product wasnt delivered or service wasnt provided. Others are what I claimed to be not purchased by me or anyone that Ive given authority to use. Ill be sent a new card but the dispute will be over turned and not listed as fraudulent. Ive called and requested for my past statements and dispute findings and letters from As far back as 2013. Ive had to call mutiple times to request for the same statements, which were then sent to me in 5 or six different envelopes on different weeks. The dispute letters I have requested for have not been sent to me nor can I access them on the website or app. Ive spoken with them and they can not look back only a few months. Ive been hung up on or disconnected multiple times after giving my personal information. Ive changed my password that you use when you speak to a representative and in the same day been asked my old password form the first woman. Then calling back later to verify a payment getting asked for my new password. When asking to speak to a supervisor I am told that no one is available. Also, while having a ongoing dispute opened they have refunded payment then taken back credit then reversing and then overturning a charge on multiple statements making it difficult to see when or if I got credited or charged. If you could please help me.
Consumer complaint received 2024-10-11
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/2022, I set up a new payee on Serve Bill Pay service an initiated a bill payment for {$120.00}. During that process I was informed payment would be paid by check thar would arrive by XXXX/XXXX/3022. 

XXXX came and went and the check was not received by merchant. The same was true for XXXX - XXXX, so I contacted Serve again and I was told they couldn't do anything until XXXX. At this point the merchant requested alternate payment method, the so we paid merchant via XXXX XXXX and the funds were in their bank within minutes. 

On XXXX, the merchant received paper check from XXXX XXXX XXXX XXXX. They had already been paid so they returned the check to us via XXXX and we received check on XX/XX/2022. 

We endorsed check 'Not used for intended purpose. ', signed check and submitted it for XXXX XXXX with our bank, XXXX, and on XX/XX/2022. 

XX/XX/2022, We received notice that deposit was not accepted because our name was not the Payee. My name is on the check in the upper right corner where the account name would appear. 

XX/XX/2022 Contacted Serve and requested they cancel payment and return funds ( {$120.00} ) to my Serve account. This time I was told to wait another 7 days and then the could cancel payment and return funds to my account. 

XX/XX/2022 XXXX XXXX Customer Service and after being transferred several times the call was dropped and I still don't have the money on my account. 

XX/XX/2022 XXXX XXXX Customer Service and this time I was told the payment could not be voided or canceled as it was in their Dispute Department so he would cancel dispute and I should call again in two more days. 

XX/XX/2022 XXXX XXXX Customer Service and I was told that I could go online or in the Mobile App and cancel payment. I am tried both and neither had a cancel button. 

XX/XX/2022 XXXX XXXX Customer Service again. This time the agent wanted to send me back to XXXX Department which could take another 10 days. I requested to speak to a supervisor. They placed on hold and eventually told me someone would call me within XXXX minutes and the confirmed my contact number. 

XX/XX/2022 No calls from Serve and the {$120.00} has not been returned. I have call logs from XXXX and XXXX showing XXXX phone calls to Serve Customer Service for a total of XXXX Hrs and XXXX Min. and I still don't have my money. 

I don't know what's going on but American Express should know how to void a bill payment and return the funds to their legal owner and it should not take weeks and require XXXX phone calls. I have the check and could send it to them if need be. There is no reason they should be able to hold my funds in limbo without paying interest or late fees. 

Please help me to get this resolved. I don't know if I can deal with another call to Serve Customer Service. I hope that you can help prevent others from going through this nightmare. 

I have call logs and more details if necessary.
Consumer complaint received 2022-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arbor Professional Solutions, Inc. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

I have tried to contact Synchrony bank multiple times about this debt. I have been unsuccessful in reaching them. I settled on this account and paid the settlement agreement but on my credit report it still shows charged off and debt owed. Does this not update to paid as we had an agreement and I paid? I would like an answer to that and a phone number to be able to reach them without having to wait on hold for 50 minutes and then the call disconnects before I can actually talk to someone. Is there a way this charge off can be removed from my credit report or updated in some way? These are questions i would normally reach the bank directly to speak about, but have been unable to reach them.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (TX)

Someone applied for a credit card at USBank in my name and was successful. This all started around the last week of XXXX. I received the credit card in the mail with a {$8500.00} limit. I called them immediately but they said that the acct had been closed and could not discuss any other details. I received a letter dated XX/XX/XXXX, they notified me of my credit score. Then I received a notification that my address had been updated. A letter dated XXXX was sent saying my account was closed due to either fraud, false statements, or I would not live up to obligations under the card member agreement. None of this was approved by me- all fraud. I have been unsuccessful in reaching someone to get further information or a letter stating that it was in fact a fraudulent application. I put a security freeze at all 3 credit burrows. When I pulled my credit, it looked like there was a {$25.00} charge to the USBank card.

Someone also tried to use my information for an account at XXXX who I already bank with. I have notified them but have to call again during business hours tomorrow. I keep getting correspondence saying that they received a duplicate application. I put additional security features on my acct and changed passwords.
Consumer complaint received 2022-07-29
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. (TX)

Transunion is violating my rights! 

Account : XXXX XXXX XXXX I spoke with a representative from XXXX and they agreed to remove this account from my report. I have disputed this with Transunion multiple times and they have done NOTHING! 

I have the legal right to sue Transunion now. There are also inaccuracies on this account! 

Last Verified Date -- Does NOT match XXXX OR XXXX! 
Date of Last Activity -- Does NOT match XXXX OR XXXX! 
Date Opened -- Does NOT match XXXX OR XXXX! 
Date Reported -- Does NOT match XXXX OR XXXX! 
Account Rating -- Does NOT Match XXXX OR XXXX! 
Late Payment Dates : DO NOT MATCH XXXX OR XXXX! 

Each inaccuracies carries a {$1000.00} fine against Transunion in court. 

I am in my legal right to sue Transunion for failure to remove this account!