davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Emmett L. Goodman, Jr., LLC (GA)

I am writing on XX/XX/2022 & XX/XX/2022 I received written notification that my account from XXXX was being collected by Emmett L. Goodman, Jr. LLC on the behalf XXXX XXXX XXXX for the amount of $ {$1300.00}. I am a consumer and consumers have the right to privacy. I thought privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. Emmett L. Goodman, Jr. LLC XXXX XXXX XXXX XXXX XXXX and Resurgent Companies, has violated my privacy. All three credit bureaus are already violated my privacy by reporting XXXX XXXX XXXX on my consumer reporting file. I need some help with matter.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2022, I, XXXX : XXXX, XXXX American Express in regards to a billing error on my XXXX XXXX XXXX statement in the amount of {$2900.00}. This billing error shows American Expresss failure to reflect properly on my statement pursuant to 15 U.S.C. 1666 ( b ) ( 4 ). If there is a balance owed, it should be in the negative but it is clearly showing a positive amount. This positive amount is considered to be a credit balance in excess of {$1.00} created for American Express to hold for my benefit pursuant to 15 U.S.C. 1666d. I am requesting that the treatment of this credit balance be credited back to my account and refund any part of the amount ( by check in the mail ) of the remaining credit balance to me each month. I am also requesting that American Express send me a full audit trail of my COMPLETE file, transactional history NOT bank statements, and accounting ledger that is authenticated by a secured party pursuant to XXXX XXXX. American Express must refrain from any adverse action which includes restricting or closing my account pursuant to 15 U.S.C. 1666 ( d ). Any adverse reporting to any third-party agency in regards to the amount in dispute must be avoided for ( 60 ) days pursuant to 15 U.S.C. 1666a ( a ). Please find enclosed copies to support my claim. I
Consumer complaint received 2022-10-06
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. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-11-22
Product: Credit reporting 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)

This is a complaint to XXXX, XXXX, and Transunion pursuant to the provisions of 15 U.S.C. 1681i. 

After reviewing my credit reports I noticed that your company are violating the Fair credit reporting act by improperly using my credit reports for the following accounts ; [ XXXX Account Number : XXXX ] [ XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] These accounts are charged off/canceled debt. Because it is canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication XXXX The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT which in fact makes the reporting of this information inaccurate. I provided a screenshot from the IRS website for further evidence. As your company know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said account. Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). 

This is not only a violation from these companies [ XXXX, XXXX, TRANSUNION ] but it is also a violation from the furnishers of this information pursuant to 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 a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2022-09-19
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}, XXXXXXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1400.00}
Consumer complaint received 2024-10-15
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (VA)

On XX/XX/XXXX, when I spoke to a XXXX  representative and agreed to purchase XXXX services I was never told they would be running my credit for a Fortiva credit card and that I was locked into paying XXXX  for 5 years even if I can no longer use the equipment. Shortly after speaking to the XXXX representative on XX/XX/XXXX, I received a call from Fortiva and the representative never mentioned they were using my credit for was a Fortiva credit card nor that I would be locked into paying a XXXX  bill separately from Fortiva. A few weeks after speaking to the Fortiva representative I received a Fortiva credit card in the mail. I called Fortiva to question it as I'm already a victim of Identity Theft. I was told it was too late to cancel and my credit would be adversely affected if I did so. Sometime in XXXX or XX/XX/XXXX I contacted XXXX to cancel their services because I was forced to move as my landlord wanted to sell immediately. That's when I was informed that I was locked into a 5 year contract with them. I told XXXX how I was moving into an apartment where I could no longer use most of the equipment. I was informed that even if I can't use the equipment I would need to pay. I was given two options, one which was to pay each company off in a lump sum or two to keep paying both monthly. I have been locked into making monthly payments to both both companies. The monthly payment for Fortiva has gone up multiple times from {$29.00} to a whopping {$170.00}!!! When I spoke to the chat representative I was told my monthly payment is {$42.00}. Which is it? A few days ago Fortiva reported to the credit bureaus saying that I missed a payment. I'm not sure why the payment was missed as I have auto pay set up and they typically just draft the payment from my account. I tried to dispute this with Fortiva but to no avail. I had to pay {$67.00} to Fortiva on top of the unexpected $ 132 monthly payment so they would open my account back up and not report me to the credit bureaus as past due. A closed account after only 30 days? I have been a very loyal and patient customer considering they have been deceitful and scammed me into a 5 year contract and a credit card. XXXX and Fortiva are highly deceptive and misleading in their sales and business policies and procedures.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

Recently, I received a text message inquiring if I had used my card in New York, which I had not, as I reside in California. I promptly contacted Citibank through the number provided on my card to report this incident and was advised to close my account and obtain a new debit card. 


Subsequently, I received an email notification about a {$1000.00} transfer that I did not authorize. Despite my prompt denial, the transaction was processed. Following this, an additional {$1800.00} was wired out without my consent, resulting in a total loss of {$2800.00}. At no point did I authorize these transactions, nor have I provided my information to anyone who might have done so. 

Citibank has, thus far, refused to return my funds. 

Thank you for your attention to this matter.
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (NY)

To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

Experian- USPS XXXX : XXXX - Delivery Date : XXXX XXXX I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the F

TC should you continue in your non-compliance. I further remind you that, you may be liable for your willful noncompliance. For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (IL)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-04
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMO Bank, N.A. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Dear XXXX, Re : XXXX XXXX XXXX, BMO HARRIS BANK N.A., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX This letter is a formal request to correct inaccurate information contained in my credit file. The item ( s ) listed below is/are completely erroneous. I have listed the items below which are incorrect and need to be deleted from my credit file. 
XXXX XXXX XXXX {$53000.00}, Opened XX/XX/XXXX, Charged off as bad debt Profit and loss write-off, Closed XXXX. XXXX, XXXX XXXXBMO HARRIS BANK N.A . {$27000.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved ; customer disagrees, Closed XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved; customer disagrees, Closed XXXX. XXXX, XXXX -XXXX  XXXX XXXX {$400.00}, Opened XXXX XXXX, XXXX, Placed for collection, Original Creditor Name XXXX XXXX XXXX In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. 
Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months. 
I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. 
I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. 
Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2022-12-05
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: AMERICAN EXPRESS COMPANY (NJ)

There are multiple credit card inquiries on my credit report some which were made when I wasn't even in the country. I contacted the credit card companies for whom which I told I don't recognize the inquiry made and that it was a violation to still have it on my credit report. I was told they were gon na mark it as fraudulent and within 30 days or more it will be removed. It has been months as I made these calls in XXXX and they are still there.
Consumer complaint received 2022-09-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

Lender has not credited funds correctly during Chapter XXXX bankruptcy. XXXX hs been discharge XX/XX/2022 and as of XX/XX/2022 I can not get an accurate balance and payment information from lender. XXXX statement shows zero payment due for XXXX, but when I call lender to inquire about payoff status, I was informed that I owe {$16000.00}. I have made all regular payments and payments to trustee and am current to date. Everyone I speak to at the lender tells me a different thing and report disparate numbers for whats owed.
Consumer complaint received 2024-12-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

My account was targeted by the banks fraud department and closed, my savings balance was used to pay-back money that was being disputed on XXXX and my checking account. The bank is closing my accounts but I am not authorizing to withdraw the total sum towards the XXXX complaint. I bealive I am targeted and being scammed out of my savings in general thow I am not authorizing these attempts to return money to a scam complaints, I am complaining the same way with they want to scam me.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian has inaccurately reported multiple student loan accounts from DepEdXXXX and the U.S. Department of Education on my credit report, failing to meet the Fair Credit Reporting Acts standards ( 15 U.S.C. 1681i, 1681s-2, 1681e ( b ), and 1681i ( 5 ) ) for maximum possible accuracy and consumer privacy. These errors compromise my creditworthiness and financial security, despite Experians duty to protect my rights, as supported by XXXX XXXX XXXX XXXX. I am requesting an immediate deletion of these accounts and written confirmation upon completion, ensuring my credit report accurately reflects only legitimate information, free from these inaccuracies.
Consumer complaint received 2022-08-16
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXXXXXX XXXX Balance {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$720.00} ; XXXX XXXX XXXXXXXX Balance {$900.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date 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 Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX
Consumer complaint received 2022-07-18
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX