davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (NC)

I have a free account with Experian to monitor my credit. At one point in the past I tried to use one of their premium paid services but decided it was not worth the price. After successfully canceling the service, I was unable to remove my payment information ( Stored Credit card number, expiration, and XXXX code ) from Experian 's system as it is no longer needed, and always a prudent security measure in protecting your credit cards. I contacted Experian to have it removed and they outright refused to do so. I am contacting you to force Experian to give customers the option to remove their payment information from their Experian accounts as Experian has no practical use to keep that information. I believe this also violates XXXX  compliance laws.
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (GA)

Southwest Credit Systems, Account XXXX. XXXX opened a collection against myself on XX/XX/XXXX for a debt that I am alleged to owed XXXX in the amount of {$340.00}. I had XXXX XXXX ( Xfinity ) as of XX/XX/XXXX, until I moved to my new house, where XXXX was not offered. I paid XXXX on XX/XX/XXXX in the amount of {$300.00} to close my account and I also returned all equipment to XXXX in XX/XX/XXXX. Ever since then, XXXX has been sending this debt to collections every XXXX month since XX/XX/XXXX. Each time I send the collection company a copy of my XX/XX/XXXX bank statement from XXXX, to prove that I paid that debt and dispute the amount owed. First company was XXXX and now Southwest Credit Systems. On XX/XX/XXXX, I disputed this debt thru XXXX dispute center and on XX/XX/XXXX and the result of that debt was updated on XX/XX/XXXX that I owed {$340.00}, when in fact that I paid ( {$300.00} ) almost XXXX years ago. Basically, XXXX represented, XXXX, stated that I provide additional proof. Even though I explained that I do not owe this debt to Southwest Credit System or XXXX.
Consumer complaint received 2022-11-08
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. (NM)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened or not authorized due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-09-22
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. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (IL)

II have been a victim of identity theft and discovered several fraudulent accounts on my credit report. I have taken the necessary steps to address this issue, including filing a police report. Below are the accounts that are inaccurate and not associated with me : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX Account not mine - XXXX XXXX XXXX Account Number : XXXX Kindly remove it from my credit report. 

Account not mine - XXXX Account XXXX : XXXX Please eliminate this inaccurate information from my credit report. 

Account not mine - XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

Account not mine - AMEX Account Number : XXXX Requesting removal from my credit report. 

Account not mine - AMEX Account Number : XXXX Kindly remove it from my credit report. 

Account not mine - XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Account not mine - AMEX Account Number : XXXX Requesting removal from my credit report.
Consumer complaint received 2022-05-23
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XX/XX/XXXX
Consumer complaint received 2022-07-15
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. (GA)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the items that needs to be removed in my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00}.
Consumer complaint received 2022-07-15
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. (TX)

I am filing this complaint to have the following bogus information removed from my credit file since it has been a struggle. The ID THEFT REPORT I sent to my dispute letters has a list of the items I wanted erased. Due to identity theft, I was not the one who made the charges or opened the accounts. In accordance with Fair Credit Reporting Act Section 605b, I request the deletion of the entries to fix my credit report. I notified the Federal Trade Commission about the identity theft, and copies of the FTC 's Identity Theft Report are also provided. I hereby attest that I have not granted anyone access to my private or confidential records, and most definitely not to the allegedly inaccurate information that appears on my credit report. In accordance with FCRA Section 605b, I thus request that the Credit Bureaus promptly erase these details from my credit report with their company. Please delete these items as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance Owed : {$33.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XX/XX/2022
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Investigation Request Letter To whom it may concern : I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and notice a few accounts that I wanted a little more explanation on. I am not saying that they are reporting right or wrong.I am just saying that I am not XXXX percent sure if they are.I also read something the fair Reporting credit report Act where it said by law I had the right to challenge anything i am not sure is accurate.some of people reporting things on me.I have never heard of which made me write to you all Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.well, I want these accounts deleted if they are not XXXX percent right and correct.so, could you please check on these and get back to me? I saw on a credit Site and Board where this lawyer said you have 30 days to complete this investigation.Please investigate the following accounts and remove them if anything is missing or not correct on them. 
I demand The following accounts be verified or removed immediately In accordance with fair credit Reporting act XXXX  XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX  account # XXXX XXXX Account XXXX XXXX 15 U.S.C 1681section 602A. 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 account without my written instructions
Consumer complaint received 2022-09-22
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. (TX)

NOTICE OF ARBITRATION. I previously requested Transunion to do an investigation and to block information that is obviously a result of fraudulent activity. I have still not heard back from them ( complaint ID XXXX ). By law, Transunion had 4 days from the date of receipt of my notice to act. They did not. Secondly, XXXX, XXXX and the furnishers of certain accounts on my consumer report have done a proper investigation and have removed the affected accounts. However, Transunion continues to violate my rights as a consumer by reporting information that should not be on my consumer report. Therefore, I am DEMANDING that Transunion block and delete the identified accounts within 4 days of receipt of this notice : 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am giving Transunion a last chance to adequately fix the issue before I proceed to arbitration.
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NH)

Carrington Mortgage Service, L.L.C sent me their payoff statement listing several items including one item listed as " other unpaid expenses '' for {$5100.00}, which was included in the total amount of {$260000.00}, that was sent to Carrington.

I am trying to find out just what was included in this lump misc. figure listed above, with no success. I have telephoned Carrington and also faxed them a written request for this information, all to no avail. I have also contacted the new XXXX holder senior widow neighbor that I have known for some time ( she offered to buy this mortgage from Carrington, which she did, in XXXX  of 2021 ). Also, I contacted her local attorney - 3 times plus 1 personal visit, along with requesting this answer from the attorney that handled my side of this transaction. No one seems to know the answer. 
The new XXXX lady told me, via email, that she has no idea as to what this figure consists of. She went on to say that it was unlikely that her attorney would know the answer to this question. She followed up by stating,, and I quote : " The closing agent simply pays the payoff amount requested by the mortgage company '' end quote, with a suggestion that I contact my attorney that handled my part of this original transaction.
Consumer complaint received 2022-07-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Heloc at Truist was NOT paid off as required at closing. Payoff date was to be XX/XX/2022 as stated in closing documents. Truist directed funding attorney to pay by check when it should have been paid via FED WIRE. My 1st mortgage was paid off by FED WIRE on XX/XX/2022. Both loans were at Truist and the payoffs were a result of refinacing both loans thru another lender.. As of this email, the Heloc has NOT been paid off and now the account # has changed showing principal balance as of XXXX. It has been 8 days that this problem has been ongoing. 

The new lender is XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX XXXX is contact. They are aware but wont/cant help. The title company is XXXX XXXX XXXX in XXXX, XXXX XXXX is contact. The funding attorney is XXXX XXXX. Main office is XXXX, SC but the closing check was mailed out of their Florida office. Supposedly they have mailed another check to Truist as of today. 

I spent 5 days last week trying to get someone to assist me with this problem but to no avail. Truist does not want to help nor do they care. And as far as they are concerned, the loan is still active and accruing interest to them. Time is of the essence. 

Finally, my opinion is that Truist is EXTREMELY NEGLIGENT and either CAN NOT or WILL NOT fix the problem.
Consumer complaint received 2022-09-23
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. (GA)

Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-28
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. (NC)

In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Atlanticus Services Corporation (MO)

I was sent an email on XX/XX/2022 that my credit limit would be adjusted from XXXX to XXXX So I called this morning. 

My credit limit was XXXX, but they lowered it to XXXX. I had a balance of XXXX on the card. Their reason was because I have not made a charge in the last XXXX months. 
I explained that it has been several times that I have not made a purchase within a 2 month time span and by lowering my credit limit it will affect my credit score. 
They said it was nothing they could do and refused to put my limit back.
Consumer complaint received 2022-07-28
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

XXXX XXXX XXXX XXXX ran my credit for a car purchase on XX/XX/2021, ( ok ), then Toyota credit ran my information, XX/XX/2021, got approval, ( ok ), then after making my first payment on time a month later, Toyota credit ran my information again on XX/XX/2021, ( NOT OK ). 
Both parties blamed each other and nothing was done, they now ignore the problem. This still remains on my inquiries in my credit report. Please help
Consumer complaint received 2022-03-06
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. (AL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (PA)

This medical debt is not owed I have health insurance and do not owe this bill. I did not sign anything with my signature stating this debt belongs to me. Please remove this from my credit report immediately. This is a medical debt that's not owed when there is health insurance. I signed no papers owning this debt
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (MI)

This was over XXXX cell phones. The amount is $ XXXX sent them back XXXX. They could not find them in the wear house. Then they found that I sent the wrong XXXX. I ask them to except them as my return they said it had been too long. I called every month starting in XXXX of XXXX and they found the phones in XXXX. They said it had been to long that they couldn't write it off because it had been so long. But I had been calling then every month since XXXX. Now this is Team- mobile. I ended up with XXXX phones because of XXXX XXXX I opened up an account with XXXX with XXXX phones for me and my son. Okay I received a letter a few days later saying that I could get a senior account so I called them and they sent me XXXX more phones to change over I don't know why and then I was supposed to mail the others back I got all confused I ended up sending the wrong phones back this is XXXX 's fault I should have never been mailed the XXXX phones now I have this on my credit report I argued with them for XXXX months if they're going to leave this on my credit report they need to mail me them XXXX phones back. Please help me get this off my credit report.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Dear sir / madam, This is a complaint for discrimination on the basis of national origin, ethnicity, age, and gender. 

Please refer this complaint to the right agency to investigate. 

I further request that this account with this bank be audited by the right agency. 

I also request that the bank provide all the email communications that they have received from me, as soon as possible. 
==================== This is a complaint against XXXX Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. 

Despite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. 

The merchant continued to charge my card, however, even after I had canceled the transaction with them. 

I disputed seven transactions from the same merchant XXXX XXXX XXXX XXXX ) located in XXXX, XXXX ( totaling {$4500.00} ) ================== [ $ XXXX $ XXXX {$1000.00} ] + [ $ XXXX $ XXXX $ XXXX {$250.00} ] ================== The merchant is getting away with the money and the goods. The merchant is located in XXXX, XXXX. 

The bank issued the provisional credit. Few weeks later, the bank reversed the provisional credit, and decided the dispute in the merchant favor, and ( unfairly ) let the merchant to keep the money and the goods. 

The bank was biased against me and discriminated me on the basis of National Origin, Gender, age, and Ethnicity. 

I have never received any goods from this merchant. The bank, however, decided to let the merchant keep the money and the goods, as well. 

I have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. And falsly claim that I have not filed my dispute timely. 

I filed several appeals, but all my appeals were denied, however. The bank denied my last appeal. Falsly claiming that the dispute was not filed timely, which is totally false.I filed the dispute timely. 

The bank seems to be biased against me and discriminated me on the basis of Ethnicity, National Origin, Gender, and age. 

I have never received the goods and need a full refund. 

Thank you for your kind assistance and look forward to hearing from you, Respectfully, XXXX XXXX : XXXX XXXX XXXX