davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I had XXXX XXXX XXXX XXXX collection that was removed in XXXX of XXXX as it hit the 7 year limit. There was also a duplicate collection, XXXX, who purchased the XXXX debt in XXXX. I was able to prove these were duplicate collections and had the XXXX  collection also removed when the XXXX collection dropped. Recently XXXX reported this collection again and I again asked this to be removed as it is a duplicate re-aged account. I understand this is an illegal act as you can not have a collection on your account more than 7 years. The credit reporting agencies wont remove it now but it should not be on my credit past XXXX they noted it was due to covid but this is not the case. at this point this item has been on my credit for more than 7 years now. I'd like XXXX removed from the three credit reporting agencies as its a duplicated re-aged collection.
Consumer complaint received 2022-11-01
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-27
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. (CA)

I legally changed my name on XX/XX/XXXX. By XX/XX/XXXX, I had changed my name on all of my credit accounts and with the Social Security Agency. By XXXX, my name was still not updated on my Experian Credit Report. I tried to dispute this in their online system but received an error that such information can not be disputed online and that I should call them to dispute. The number that I was provided led to a system of recorded messages that loop back to each other, with no possible way to reach a customer service agent. I would eventually find out that every single listed phone number for Experian leads to this same loop of recorded messages. I proceeded to send a letter to Experian about my name change, including supporting documentation. They updated my name on my credit report, but not on my online Experian account, nor in the emails that they send to me. There is no way to change this name online. On XX/XX/XXXX, I sent another letter requesting that they change my name in my online account, including my member id number and my supporting documents again. I received a response dated XX/XX/XXXX with dispute results and my full credit report, but no actual response to my letter and no change to my online account. I sent a third letter right away, this time also including printouts from my online account showing where my name was incorrect. Again, they did not make the correction. The fourth letter I sent was a duplicate of the third, with an additional handwritten note. I was admittedly very angry and the note that I sent was not kind. In response I received a postcard that they could not find my records. When I next logged into my online Experian account, my entire credit record had been erasedno account history remained at all. When I attempt to use their online dispute system, I receive an error that I can not submit a dispute due to security reasons and to call them at a toll-free number, which of course leads to the looped recordings with no way to actually handle the issue.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (VA)

Acceptances by AMERICAN EXPRESS on account number ending in XXXX Certificate Of Non-Response : I, XXXX XXXX XXXX, have sent off certified mailing and payment in forms remittance/coupon in efforts to resolve and settle account number ending in XXXX. This notice is pursuant to federal and state law evidence of dishonor UCC 3-505 and UCC 1-202 . I state the following as facts. On the date of XX/XX/2022, AMERICAN EXPRESS at XXXX XXXX XXXX XXXX, NJ XXXX received a remittance/coupon payment via United States Postal Service Priority Mail and a AMERICAN EXRESS agent signed for the payment as verified by Certificate Of Service . After acceptance of mailing, AMERICAN EXPRESS refused to send confirmation that account ending in XXXX has been adjusted and settled, nor a notice of dishonor from a qualified third party excusing their refusal, in response to the correspondence regarding account number ending in XXXX. AMERICAN EXPRESS did not send my payment back to me within 3 business days and kept it for their own gain. AMERICAN EXPRESS did not cure their dishonor. AMERICAN EXPRESS gave no creditable or justifiable reason, or federal laws and or regulations for refusal to confirm the adjustment and settlement of account number ending in XXXX or send a notice of dishonor. Despite the numerous phone calls to multiple AMERICAN EXPRESS departments including but not limited to the Customer Service department, Payments/ Billing department, Account Services , Legal Department , Executive Office , Collections Department XXXX about my payment not being reflected on my account, trying to explain and give a breakdown as to why federal law says this is a legal form of payment and what FDIC Law 7500- FRB Regulation 204.1 iv defines what a deposit is : ( Any due bill or other liability or undertaking on the part of a depository institution to sell or deliver securities to, or purchase securities for the account of, any customer ( including another depository institution ), involving either the receipt of funds by the depository institution, regardless of the use of the proceeds, or a debit to an account of the customer before the securities are delivered. A deposit arises thereafter, if after three business days from the date of issuance of the obligation, the depository institution does not deliver the securities purchased or does not fully collateralize its obligation with securities similar to the securities purchased. A security is similar if it is of the same type and if it is of comparable maturity to that purchased by the customer ; AMERICAN EXPRESS has willingly and knowingly been non compliant and has ignored federal law. Sources : Bills Of Exchange Act, Truth in Lending Act, UCC 1-202, UCC 3-103 , UCC 3-104, UCC 3-603, UCC 3-503, UCC 3-311, UCC 3-301 , UCC 3-302, UCC 3-415.
Consumer complaint received 2022-06-22
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. (CA)

In accordance with the Fair Credit Reporting act 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 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a call from XXXX XXXX credit card stating that they needed more information from me to process my application, I informed them that I did not apply for a credit card and that I have in the past had issues of identity theft on my accounts and other issues of someone apply for auto loans, etc. I have had this problem for over 10 years off and on everytime I think this issue of idenity theft starts to slow down, something else pops up again. I told the lady I spoke to this and said that I did not apply for this, and ask her since this happened that I did not want this to become a hard inquiry on my credit report because this was fraudulent, she told me she would let the company know. Well it did show as a hard inquiry and I have been trying to get this removed off of my credit report as a hard inquiry. The date of this inquiry shows on my report as XX/XX/2022. I spoke to TransUnion and XXXX XXXX and I was told only way I could get this removed was to go thru the channels of this to do it.
Consumer complaint received 2022-06-22
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. (CA)

In accordance with the Fair Credit Reporting act 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 2020-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION (NJ)

Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical  issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
XXXX XXXX
Consumer complaint received 2021-10-02
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. (CA)

Hello I have made several attempts with Experian to obtain their method of verification to my original disputes of an inaccurate bankruptcy being report in my credit file that they maintain. And every time, they reply back with vague or dishonest responses and a failure to comply! 
I am including my latest dispute letter dated XX/XX/2021, along with their latest response, a copy of a letter from the United States Bankruptcy Court and a copy of a letter from XXXX. 
I am seeking assistance from the Consumer Financial protection Bureau to compel Experian to either produce the appropriate verification information or to permanently delete the bankruptcy from credit file! 
Thank you in advance! 
XXXX XXXX
Consumer complaint received 2019-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

I have been with Lakeview Loan Servicing/XXXX XXXX XXXX XXXX ( hereafter referred to as " XXXX '' ). Mortgage for three years. I recently made the decision to refinance and thus change mortgage companies and homeowner 's insurance companies. XXXX is responsible for paying my homeowner 's insurance from my escrow account and has done so without issue in the past. Recently, they allowed my insurance policy to lapse for non-payment. The company was notified of the pending cancellation via letter from XXXX XXXX. Prior to this happening, I had called to notify them of the change of insurance companies and provided them with the necessary information to continue making payments. It was only once I received notification from the new insurance company ( XXXX XXXX ) and the refinance company ( XXXX XXXX ) that I was made aware that the policy had not been paid. Not only was this holding up my refinance but the policy was due for cancellation. I immediately contacted the insurance company and was told that the payment needed to be sent overnight. I contacted XXXX and was assured that the payment would be sent via overnight. Days later, I was notified by XXXX XXXX that the policy had still not been paid. I called XXXX again and was told that the payment had in fact not been sent because the representative I had spoken to did not provide " adequate documentation '' when making the requests for payment. Instead of XXXX notifying me that they payment was not paid, they simply ignored it and allowed my policy to lapse ( unbeknownst to me ). 
While this may appear to be simply a careless mistake, I am convinced that since I had made a decision to go with a different mortgage company, XXXX maliciously and intentionally neglected to pay my homeowner 's insurance. I am requesting that this incident be investigated.
Consumer complaint received 2022-06-22
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. (AR)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I was not saying they were reporting right or wrong. I am just saying that I am not 100 percent sure if they were. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to them. 
They did an investigation and claimed that the accounts were accurate. I did an investigation of my own and found that there are still improper accuracies even after they did their investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with XXXXhe Fair Reporting act these XXXX  Accounts, 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 2022-06-12
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. (NJ)

In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to transunion ) XXXX XXXX XXXX Acct # XXXX ( reporting to XXXX ) XXXX, Acct # XXXX ( reporting to XXXX ) XXXX, Acct # XXXX  ( reporting to transunion ) XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to transunion ) XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to transunion ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to transunion ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions. I am requesting that these accounts be removed from my reports.
Consumer complaint received 2021-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

my credit card with capital1 has unnecessarily been placed on hold for 8 days, on XX/XX/XXXX {$1400.00} was sent to my capital1 credit card from my bank acct at XXXX XXXX XXXX  ending in XXXX, for about 40 yrs i have had this acct with capital 1. i am a senior citizen and need that money immediately. when these holds are placed upon my credit card accts, i am charged by various creditors fees which as a senior citizen i can not afford. this has happened repeatedly. i have no other income other than my pension, and the capital 1 credit card ending in XXXX is the only way i can pay my bills. please immediately direct capital1 credit card company to release my funds on my credit card ending in XXXX i need to pay those bills and use the funds sent to my credit card acct. also, i wish a fine be imposed upon capital 1 for this repeated unnecessary victimization and some compensation be given to me to over the fees imposed by my creditors for their being denied payments through my capital 1 credit card ending in XXXX. I live on those funds and have no other source of income until the XXXX of XXXX please. work fast on this blatant disregard for my financial well being
Consumer complaint received 2022-06-13
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. (NY)

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-06-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-02
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. (MA)

On XX/XX/2022 I submitted a letter to the three major credit bureaus ( Equifax, XXXX, and XXXX ) and to three collection agencies disputing some Collections accounts and requesting that they either verify them or delete the unverified negative accounts on my credit report. 

On XX/XX/2022, one of those negative accounts were removed from my XXXX credit report, however, the other two accounts were still showing. After looking in the dispute center in XXXX, there was a comment added " Completed investigation of FCRA dispute - consumer disagrees. '' and " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' while the dispute still shows " Under Dispute '' and its in the " Review '' process. 

On XX/XX/2022 I received a letter in the mail from one of the collection agencies with a copy of two bills with what appears to be " my '' name on it and " my address ''. 

In the letter I explained to the collection agencies that unless they are able to provide, undeniable proof that this is my account, that they must DELETE the negative reporting because anyone can use my personal information to agree to service. I additionally asked them to provide me with a contract that has my signature on it then they have to delete it because they can prove that its my debt. 

This is life damaging information that is being reported and has not been verified and simply sending me a bill in the mail can not be enough to " verify '' account. This has ruined my ability to acquire credit and I demand it be corrected immediately. We must hold these collection agencies and especially the three major credit bureaus to account because they especially hold so much power that can destroy a persons life if a mistake is made.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (IL)

I purchased a couple of flights on XX/XX/XXXX to and From XXXX from two airlines who ended up going through Financial Insolvency ( XXXX XXXX and XXXX XXXX ). The amounts paid were {$420.00} and {$380.00} respectively. 

Once I learned about their insolvency, I tried to contact the airlines for a refund but wasn't able to reach anybody. I decided it would make sense to book two different flights since the Terms of Service of the credit card state that the original purchase would be covered and I would be getting that money back. 

The Terms of Service of this credit card as well as their own website list Financial Insolvency as one of the events covered under the travel insurance they offer : https : //www.chase.com/card-benefits/sapphirepreferred/travel Upon contacting the company to file a claim, they told me they do not cover Financial Insolvency and refused to help me submit a claim. I called back to talked to a different rep and they had the same answer.