davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

Hi. My credit card account was closed by American Express due to inactivity ( no fraud or any kind of illegal situation ) while I didn't receive any kind of notification or warning which was mentioned in https : //www.americanexpress.com/us/customer-service/faq.account-management.card-inactivity-action.html. I tried to contact Amex but was told that a letter mail was sent to me which firstly I didn't receive, apparently. The common way of Amex communication is through email or text message ( I opted in electronic statement ). While for such a big change, they chose to use paper letter to communicate which still I didn't receive. I feel that they did it intentionally. 
I tried to intake my account with three attempts. At first, I tried to call them like early this year since one day when I randomly logged in app I figured out my account was cancelled. I was told that if I file a claim, I can get my account back without telling me there's a time limit about it. Second time, when I called, I was told that it's been too long since the account was canceled. I was just being kind to rest the case until recently I figured out many people like me had the similar situation where the account was closed without any notice. Today I called again to restate my case but still got the same answer for the cancellation being too long time ago.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOVERY. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

PORTFOLIO RECOV ASSOC ( original creditor : XXXX XXXX XXXX ) XXXX Balance {$1600.00} ; PORTFOLIO RECOV ASSOC ( original creditor : XXXX XXXX ) XXXX Balance {$1300.00} ; PORTFOLIO RECOV ASSOC ( original creditor : XXXX XXXX ) XXXX Balance {$870.00} ; PORTFOLIO RECOVERY A ( original creditor : XXXX XXXX ) XXXX  Balance {$1300.00} ; PORTFOLIO RECOVERY A ( original creditor : XXXXXXXX XXXX ) XXXX  Balance {$870.00} ; PORTFOLIO RECOVERY A ( original creditor : XXXX XXXX XXXX ) XXXX  Balance {$1600.00}
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I don't even know where to begin. I've been dealing with XXXX Mortgage since 2021 to try and have them resolve a mistake on their end and its still not resolved. They sold my mortgage off to another mortgage company and never closed my account properly which affected my credit scores dramatically. I already filed a complaint with cfpb once about 6 months ago and XXXX claimed they were going to work on correcting the issue and still has not been resolved. I am not surprised it hasn't been fixed considering the experience I had with them. I have everything documented like my lawyer advised me to and am still waiting for them to fix the incorrect information they reported to the credit bureaus. Please look at complaint number XXXX for more information regarding this issue that I filed before. I will not stop filing complaints until this issue gets resolved.
Consumer complaint received 2021-04-20
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. (IL)

I own a XXXX credit card with an authorized user. My e-mail address was changed on the website without my permission. The authorized user made a payment that came back. Without my knowledge the account was marked 30 Days late on my credit report. I contacted the XXXX and explained that I was never notified of non payment/late payment due to not being contacted by XXXX via e-mail, phone, or postal mail. I was told by a XXXX supervisor that they only report to credit bureaus after 60 days late. XXXX from XXXX was very kind and promised she was send the information over to XXXX credit reporting stating it should not have been reported as it was a one time mistake and I was not informed. Had I known I wouldve been happy to make a payment. I disputed with the credit bureaus and it was not deleted. I explained that my email was fraudulently changed and was told by other supervisors nothing could be done. I was hopeful that it would be removed off of my credit based upon fraud and XXXX allowing 60 day late payment before reporting it.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American First Finance, Inc. (TN)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. This is a violation of the FCRA section 602 ( a ) & FDCPA section 809.
Consumer complaint received 2022-10-13
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. (GA)

The Consumer Reporting Agencies are continuing to report inaccurate and incomplete information on my Consumer report. The CRA have failed to verify that these accounts are 100 % completely accurate. XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 ( i ) ( 5 ) ( a ) Accuracy and fairness of credit reporting.

15 USC 1666b-Timing of payments 15 USC 1637 ( b ) STATEMENT REQUIRED with EACH BILLING CYCLE
Consumer complaint received 2022-12-13
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. (KS)

I did not consent to third party agencies to use report. I also don't recognize any of these reports from : XXXXXXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX, XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2021
Consumer complaint received 2021-04-20
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. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB XXXXXXXX XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX # XXXX account is reporting XXXX, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2023-04-21
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. (GA)

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. 


Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-2 ( A ) ( 1 ) 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 is inaccurate.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX XXXX. I had some issues with my income being affected by the XXXX SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. AMERICAN HONDA FINANCE # XXXX account is reporting 30, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (TN)

Applied for a secured Discover card XX/XX/2021. Card approved with a security deposit of {$400.00} to rebuild credit. However after and I do mean after the card was approved and funded the business wanted a signed IRS document to pull my tax returns. They then declined the account and are keeping my money as theft for over 30 days until refunded. I requested an expedite on the funds. I also requested an interest for holding funds after the approval of an APR similar to a payday loan as they are holding my money for misuse of my funds after approval. Any legitimate business would know that at approval you pull tax returns not after and then hold funds as if borrowing the money. I had received the card in the mail funded with my money and then blocked from using it so I want compensated for them borrowing from me. In the chat the supervisor sounded like a groupie as I hear you and feel for you. We strive here to improve and definitely will document this as part of the process which is not professional nor ethical. I think too many of these employees are doing drugs and are misusing the business and allowed to demeaning this country and ethics.
Consumer complaint received 2024-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (GA)

I am experiencing exceptional wait times to get the most basic things done. I am requesting a mailed copy of a form they filled out. I called in earlier this morning and got through after 4.5 hours. I asked the costumer support person to please call me back if we get disconnected as I had been waiting for 4.5hours. She said she could not do that. She began to help me and boom disconnected. I was so dejected. I did not receive a call back from being disconnected. I called back in. I have now been waiting for over 5 hours on my second call through. I am afraid that its getting close to closing time and wont be helped. They need to hire more people. This is unacceptable. Please do something about this company. You basically have to take a day off to get anything done.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This loan paid off before it transferred to SPS. I have provided enough documents since early XXXX and tried to communicated with SPS multiple times to resoled the issue. However, they have not done anything so far to close this load and now sending me " Notice of Default ''.
Consumer complaint received 2023-05-18
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. (WI)

On XX/XX/2023 I received my credit report from all three major credit reporting agencies. I noticed that there were some unauthorized inquires reporting. On XX/XX/XXXX, I contacted TransUnion, XXXX and XXXX to no avail, the inquires still weren't removed. XX/XX/2023, I sent a certified letter stating that the inquiries were unauthorized by me, and that i would need those removed. I received a response stating that the inquiries were factual. I was not sent any information on how the companies determined those to be factual and I was not shown any applications that bear my signature or any proof that those inquiries were in fact made by me. In the climate of today 's society, anyone can get ahold of your information and apply for credit online. After I also sent letters to all three bureaus again XX/XX/2023, requesting that those inquiries be removed again, and my intent to file a complaint with the FTC.
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

Since XXXX of 2020 I have been sending letters demanding validation of accounts that are reported on MY CREDIT REPORTS! XXXX XXXX XXXX XXXX has not responded to any of my mail. They did not identify the original creditor, they did not help me in any way. MY RIGHTS HAVE BEEN VIOLATED! PLEASE HELP ME!
Consumer complaint received 2021-03-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I purchased a product from XXXX back in XX/XX/XXXX and the product involved is a bed frame and it came with 5 years of warranty so i contacted the seller and he asked me that Ill get a replacement. Inspite me being provided the seller with my updated address, they shipped it to wrong address. After contacting the sller about it, he said Ill get my refund back. So they processed with the refund on XXXX XX/XX/XXXX in a debit card which i used at the time of purchase ending in XXXX with bank of america and i dont have that card with me anymore as i got a replacement card. I contacted back several times and they were not able to help me. I even disputed the original transaction as suggested by XXXX, the bank refused to do that as well. When i contact the XXXX they said it has been processed and i had a call today involving Bank and XXXX again it didnt get any settlement. And bank suggested me to contact you for the help. Its of XXXX dollars transaction and I confirmed by checking my banks statements that I purchased it from the same bank and the debit card i have with them and the transaction reflects in my XX/XX/XXXX statement. Please help me in getting my refund back as bank and XXXX are not able to help
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (GA)

XXXX XXXX, try to collect a debt that's not owe. Actually, XXXX owe me {$2600.00} in exemplary punitive damages. I return my XXXX XXXX to XXXXXXXX XXXX which they receive and never issue a return. 

( Ga. Code 16-8-12 ; 17-10-3, -8 ( 2020 ). ) Misdemeanor Theft A person who steals property or services valued at {$1500.00} or less commits a misdemeanor, punishable by up to 12 months ' jail time and a {$1000.00} fine. If an offender receives a sentence of six months or less, the judge may allow the offender to serve the sentence on weekends or during non-working hours. 

Georgia allows any owner of stolen personal property ( not just retail merchandise ) to bring a civil action for damages against the offender. 

Before filing the civil action in court, the property or store owner must send the offender a written demand and give the offender 30 days to pay the following amounts : compensatory damages for the value of the property and any other losses incurred from the offense, and exemplary ( punitive ) damages in the amount of {$300.00} or triple the value of the loss, whichever is greater. 

If the offender doesn't pay within 30 days, the property or store owner can seek the above damages, plus attorneys ' fees and costs, in court. ( Ga. Code 51-10-6 ( 2020 ).
Consumer complaint received 2021-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a report stating that these accounts are not mine and that my identity may have been stolen which I have included with this message. I have listed the accounts below. 
I have no idea how these fake items ended upon my credit profile but I want you delete them because I do not want to have someone else accounts in my profile or misleading info. Please delete them asap as its complete fake
Consumer complaint received 2022-07-09
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: ALLY FINANCIAL INC. (DE)

I spoke to XXXX of the Executive Customer Relations Department of Ally Bank XXXX, option # 4, option # 8 and then extension XXXX and asked her again to remove the negative information from my credit file, as any negative reporting violates a court order which is a Property Settlement agreement approved by the XXXX XXXX Virginia Circuit Court. 

I initially thought maybe they weren't aware of this court order, but I have provided copies via a fax and now in my complaint # XXXX and after speaking with her, Ally Bank still refuses to remove the negative remarks from my credit reports. I explained that the court order says that I can not be held responsible and negative reporting on my credit report is holding me responsible. 

I replied to her email with my understanding of our conversation, and I have a copy if needed.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

After I initiated a dispute with XXXX  over a incorrect collections account from PRA they moved it to closed instead of removing. They added this new account ( XXXX ) under the banking heading with no information. This was removed from my report by the credit bureaus XX/XX/2021 and now just appeared but dated XX/XX/2021.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.