davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MN)

Experian Please delete the following accounts from my credit files asap due to FCRA 623 THE LAW IS VERY CLEAR CREDITORS MUST MUST enter consumer dispute message on the report delete the following accounts ASAP XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts had been updated many times and its time for you to remove them. 
ASAP THEY CAN NOT REPORT ON THE CREDIT FILE ALSO ENCLOSED HOW MANY TIMES THESE ACCOUNTS HAS BEEN UPDATED FROM YOUR COMPANY AND THESE MESSAGE HAD NOT BEEN ADD IT REMOVE IT ASAP YOU HAVE TO DO YOUR JOBS AND FOLLOW THE LAW THE LAW IS VERY CLEAR
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation (PA)

Fortiva credit card has violated the federal Equal Credit Opportunity Act by discriminating against me and open up in a credit card and also by not allow me to dispute the decision in the decision process making of issuing me a credit card by not allow me to dispute the credit card companies decision they have caused further Financial discrimination
Consumer complaint received 2019-05-09
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. (NC)

I submitted on Multiple occasions disputed to Experian on incorrect information that appeared on my Credit Report, they incorrectly report late student loan payments and collection accounts that do not belong to me. I tried on many occasion to have them send verified information to me, of how they got the information, how provided the information, and Experian failed to provided me with complete information, and the negative items still remain on my credit report!
Consumer complaint received 2019-05-09
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: Law Office of Linda Strumpf (CT)

On XX/XX/19 I received a XXXX XXXX alert to a new hard credit inquiry. I opened this to Law Offices of Lind Strumpf whom I googled and found is a bad debt buyer, was able to do this without authorization or approval. I have 0 accounts in bad standing and have never heard of this lawyer ( XXXX XXXX XXXX. ) ( XXXX XXXX, CT ) or company in my life.
Consumer complaint received 2019-05-08
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: EQUIFAX, INC. (NY)

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Consumer complaint received 2019-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit Reporting Agencies are violating my ADA Disability Act and act of Discrimination and Retaliation against me as a XXXX  XXXX XXXX and XXXX status. 

Evidence has been provide it to XXXX XXXX  auto loan # XXXX with my XXXX XXXX evidence and auto lender refuses to remove the derogatory remarks of XXXX XXXX in which timely payments has been implemented for XXXX XXXX, XXXX, XX/XX/XXXX and continuing making payments of {$440.00} each month with my XXXX XXXX Retirement Pension. 

Also XXXX XXXX account has a positive payment history from XXXX till Present, but XXXX, Transunion and XXXX  is reporting Derogatory Remarks.Attorney for XXXX XXXX provide a letter to add my Tradeline to Transunion and XXXX. 
XXXX XXXX tradeline is only listed on XXXX. 

Also my XXXX XXXX Mastercard ending # XXXX balance is XXXX not {$510.00} or {$240.00} as stating on XXXX, XXXX  and Transunion. 
My credit Report hasn't been updated. 
I am going through a VA Loan and Home process in Texas and need my credit and scores updated immediately. 
Extreme Very Urgent!
Consumer complaint received 2019-05-08
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)

Equifax continues to report fradugelent accounts on my credit report after receiving a police report & identity theft report. These accounts do not belong to me nor do I have any knowledge of who they belong to. I sent all requested documents in months ago without any changes. Please remove XXXX XXXX XXXX XXXX and XXXX from my report. The following inquiries should be removed as well because I did not apply for any of these XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX/XXXX, XXXX XXXX and these inquries should not be on my report XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (CA)

I opened the account on XX/XX/2019 online. I added {$5000.00} via direct deposit to the account which was debited from my account on XX/XX/2019. 3 days later I tried to login into the account and it won't let me in. I called them on XX/XX/XXXX several times and after onerous verifications, they said that my account is restricted and I would have to visit a branch to get it working again. When I called my local branch in XXXX MA, they said that they can't do any sort of identity verification without my physical presence. I am out of state throughout the summer and I can't go to a branch to verify it. I asked both the call center and the local branch representative to close the account and send a check to my address on file. However, they said that they can not proceed without my physical presence in their branch. 

I understand their need for verification but they should not withhold my cash in case I am unable to go to their branch. I want them to close the account immediately and give me the money that they are holding back with interest.
Consumer complaint received 2019-05-08
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. (VA)

A USPS certified receipt mail letter was sent to Experian and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. In my request for validation, I reminded Experian that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to Experian to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the  documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt. Instead, on XX/XX/2019, the company sent me a credit monitoring alert and email stating that the debt listed was not changed because the company " certified '' ( with no paperwork ) that the information reported was accurate. Experian is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Consumer complaint received 2019-05-08
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 went to look at the response from CFPB in regards to the complaints I did on XX/XX/2019 and this was the response I got : Company 's Response Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicated that you have a collection account listed on your credit report that is not yours. You would like the account removed from your credit report. According to our records, the disputed information does not appear on your current Experian credit report. We are in the process of forwarding you a copy of your credit report for review. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit XXXX XXXX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. However I looked at my credit report and the fraudulent collection is still on there, both XXXX and Experian.
Consumer complaint received 2019-05-09
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

XX/XX/XXXX purchased {$870.00} bank check for the amount of {$10.00} to pay rent from XXXX Webster Bank. 
XX/XX/XXXX went to bank to inquire about check that landlord had not recieved. Was told it was not cashed and that i could stop payment and have check reissued for another fee. 
XX/XX/XXXX had funds to stop and reissue. Was informed that it had been deposited in a XXXX mobile bank account ... 
Reached out to landlord. Not him. Went to XXXX bank, they sent me to police department to fill out complaint and to bring back copy of police report. 12 more days later bring report. Nothing can be done fast forward. 
XX/XX/XXXX Spoke to staff at Webster bank in XXXX banking center XXXX. Per their assistance submitted ( AFFIDAVIT AND INDEMNITY AGREEMENT ) Called several times.. 
XX/XX/XXXX was informed after calling Webster customer service that my complaint was gone. Went to XXXX Branch that day. Filled out another form, supposedly the correct one ( LOSS AFFIDAVIT FOR CHECKS ). Also providing a letter to my landlord that they can not reissue another check until investigation is finalized. 
I have called weekly some times daily and often visited various locations to inquire too no avail, other then to learn that now a third bank ( XXXX XXXX ) is also involved.
Consumer complaint received 2019-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to file a complaint against Bank of America 's ( BOA ) unfair, deceptive and abusive practice of setting off joint consumer deposit accounts to pay off commercial debts owed individually by an account owner. On XX/XX/2017, I was notified that the funds in my joint consumer deposit account decreased to a negative balance. I reviewed my account online and discovered that BOA withdrew approximately {$3900.00} from my account to pay a charged-off commercial credit card debt owed by my joint account holder. 

I immediately attempted to contact BOA to try and get information regarding the transaction and was informed that they could not discuss the setoff and the charged off debt with me because it belonged to my joint account holder, and that I agreed to their set off terms when I opened the account. I was informed that it is BOA 's policy to setoff accounts to pay off credit card debts as permitted in their account terms. 

I understand it is BOA 's policy to setoff accounts in certain occasions. However, it is an extremely UNFAIR practice to setoff funds in consumer joint accounts to pay off commercial debts that belong to only one of the co-owners, and then refuse to provide both co-owners with information regarding the setoff transaction. 

Additionally, I requested that BOA provide me with the actual documents of where I signed and consented to their setoff procedures. They indicated to me that they would not be able to provide me with these disclosures until seven days. In the meantime, the money that I needed to use to cover my essentials ( like food, clothing, electricity for my children ) is severely compromised. 

Furthermore, it appears that BOA exercises its setoff practice DISCRIMINATELY, as they could not provide me with justification as to why they are choosing to exercise their discretion to setoff my account when it is not consistently done for similarly situated accounts. 

Please help.
Consumer complaint received 2019-05-07
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

My membership rewards account is currently " under review, '' and points redemption is currently frozen. I called several times to inquire and was told the following information : - The beginning of the review period was listed as XXXX/XXXX/2019. 
- I was initially told the review process takes AT MOST 6-8 weeks.

- I called after 8 weeks, and was told by a supervisor that the 6-8 week number was incorrect, but it is actually 6-10 weeks.

- I called after 10 weeks, and I was told by a supervisor that they can not provide me any information at this time.

It has now been more than 11 weeks since the review was  initiated on my account. I have been given no information as to when the review will be complete. I have earned more rewards points since the beginning of the review period that I can not access, in addition to the rewards I already had when the review began. This is an extremely unnecessarily long review period, and the fact that there is no end date provided is ridiculous.
Consumer complaint received 2019-05-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Business Factors (NV)

I've been receiving constant calls from National Busness Factors from a woman named XXXX from XXXX to XX/XX/2019. I was making $ XXXX/mo payments on medical bills that she said totaled {$1200.00}. I asked to be sent a listing of them and she said she couldn't provide paperwork. When she couldn't reach me by phone, she would immediately called my husband at work. I asked multiple times that she NOT call my husband, but not only did she continue, she called him and threatened that even though the medical bills were mine, they could garnish his paycheck. She also told my husband she couldn't provide paperwork. She told my husband today (XX/XX/2019 ) that the bills totalled {$2700.00}. All I want is proof that the bills they have on my account are actually my bills, and what bills my payments have gone to.
Consumer complaint received 2019-05-07
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 Accounts, LLC (TX)

3 years ago ( XXXX ) I disputed a collection amount with the collection agency after I ended up in collections with a dentist. ( They told me my out of pocket, I paid it and then they went on to charge me more although they already told me the price - it was not a required procedure. ) I sent certified letters disputing at that time. I heard nothing back from the collection agency, so assumed the matter dealt with ( I did not get any calls as would be typical. 

In XX/XX/XXXX I was alerted that there was an increase to my collections on my credit report which alerted me that it was not dealt with. 

I disputed this collection amount with the credit bureau again who said it was legitimate. So I also disputed with both the dentist and collection agency two more times. I asked for proof of the debt from the dentist which they did not give me ( a signed quote that I agree to pay the amount as they said they give all patients ). I received nothing from the dentist. 

I asked for a debt verification from the collection agency ( they haven't responded 2 times ). I have no debt validation information back from the collection agency. 

I have sent certified/return receipt in all instances as you will see in the attached. 

Since it is not valid and they have not sent any documentation of the validity - it should not be on my credit report nor with collections ; yet the credit agency is listing it.
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Dear Banks of America I contact your bank today to make a payment on my account I spoke two of your reps they told me that they were unable to take a payment from me due to the fact that my account was no longer open and you no longer own the account!. i havent recieved anything from any 3rd party debt buyers that you may have sold the account too. I also pulled my credit report and you didn't state who the account was sold too. you can't do this it's a violation of the FCRA But after reviewing my credit report your company is still reporting a balance and past due on the account how is this possible? I went to the FTC Website and they clearly state that this is a federal Vialation. Since you are no longer the account owner I asked that you please delete this account from all three of my credit reporting reports ASAP as you are reporting inaccrate information the fcra says that credit reporting must be 100 % percent accurate.
Consumer complaint received 2022-07-14
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. (IN)

XXXX accordance with the fair credit reporting act XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Has violated my Rights. 


15 U.S.C 1681 Section 604 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 2019-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc. (TX)

Got a call, lady was not upfront with who she was until after I confirmed my name. She actually stated she was with XXXX XXXX. I told her I was already in the midst of a dispute, and she decides to raise her tone, and said that I must pay the fine because I owed it ... .. again I am legally allowed to peruse a dispute, and I do not need to be harassed into a payment.
Consumer complaint received 2019-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This account is paid on time. I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately
Consumer complaint received 2019-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

3 years ago ( XXXX ) I disputed a collection amount with the collection agency after I ended up in collections with a dentist. ( They told me my out of pocket, I paid it and then they went on to charge me more although they already told me the price - it was not a required procedure. ) I sent certified letters disputing at that time. I heard nothing back from the collection agency, so assumed the matter dealt with ( I did not get any calls as would be typical. 

In XX/XX/XXXX I was alerted that there was an increase to my collections on my credit report which alerted me that it was not dealt with. 

I disputed this collection amount with the credit bureau again who said it was legitimate. So I also disputed with both the dentist and collection agency two more times. I asked for proof of the debt from the dentist which they did not give me ( a signed quote that I agree to pay the amount as they said they give all patients ). I received nothing from the dentist. 

I asked for a debt verification from the collection agency ( they haven't responded 2 times ). I have no debt validation information back from the collection agency. 

I have sent certified/return receipt in all instances as you will see in the attached. 

Since it is not valid and they have not sent any documentation of the validity - it should not be on my credit report nor with collections ; yet the credit agency is listing it.