davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

Reference Complaint # XXXX, submitted XX/XX/2018 Equifax did not resolve either of the issues that I complained about, i.e. being unable to receive annual credit report on-line, or being unable to freeze credit on line, for both myself and my wife. Responding to my earlier complaint, the company sent a hard copy of my credit report through un-secured US Mail ( standard postage, not certified ), which I did not request, and which could have compromised my identity if the mail was lost or stolen. They did not answer my questions about why I am unable to receive credit reports for myself and my wife on-line, or why we are both unable to freeze our credit report on-line. Today my wife was unable to get her credit report on-line. The problems I complain about still persist. 

I should not be required to waste my time calling Equifax again, as I had done that initially and received no meaningful response, despite speaking to supervisory personnel as well as the customer service rep who answered the phone. This is a job for the CFPB, to investigate this matter and the non-responses that Equifax continues to give. 

I request that this complaint be resubmitted and considered not resolved, as the company did not respond and fix the problem, and that I receive answers to the above questions as to why a consumer can not do business through a secure on-line website with Equifax. I DO NOT WANT A HARD COPY OF A CREDIT SCORE BY US MAIL. Please tell them not to bother. 

I will keep complaining until I get answers. If it is possible, I would like to escalate this complaint, and that I also receive a response from the CFPB as to what the CFPB intends to do about Equifax being allowed to treat their " customers '' so badly. 

I await a response. 

Sincerely, Complainant per the complaint # listed above
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

I sent a dispute to Experian requesting removal of the following incorrect name and addresses on my credit report. The incorrect information is listed as of XX/XX/2022 via the Experian provided credit report : XXXX.
Consumer complaint received 2024-11-07
Product: Credit reporting 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. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BANK OF AMERICA : ACCT ENDING XXXX WILL NOT PROVIDE PAPER STATMENTS AND AT TIMES, NEVER RECEIVE ANY ONLINE BILLS TO NOTIFY ME WHEN PAYMENT IS DUE. I WILL RECEIVE A BILL AFTER DUE DATE WITH A LATE CHARGE LISTED. 
THERE IS NO CUSTOMER SERIVCE. CUSTOMER SERIVCE NUMBERS- RECEIVE RECORDINGS AND NO ONE EVER GETS ON THE PHONE IN SPITE OF ONGOING RECORDED MESSAGE : SOMEONE WILL BE WITH YOU SHORTLY. 
BANK OF AMERICA SHOULD NOT BE ALLOWED TO REMAIN IN BUSINESS WITH THESE PRACTICES TO TACK ON LATE FEES AND THEN NO RESPONSE TO CUSTOMER SERVICE. 
I'VE TRIED TO RESOLVE THESE ISSUES, ATTTEMPTED TO CONTACT THEM WITH NO RESPONSE.
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

I received a promotional offer for the American Express XXXX XXXX card. After the statement closed, it showed I had earned XXXX XXXX  points. I waited and waited for the points to post, and they never did. I contacted customer service on a daily basis and nobody could give me a straight answer. They seemed clueless. I want my earned XXXX   points to be transferred to my XXXX  account immediately as advertised. This constitutes false advertisement by American Express and it is a practice that if continued, would be exposed as much as possible on social media and with their executives so that as many people as possible are aware of your deceptive tactics.
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NJ)

I was sick and and paid for a medication from my checking account. Unknown to me that {$16.00} would make my balance to be overdrawn. When I realized this today, I paid in {$300.00} but surprisingly, Bank charged me {$35.00} for {$16.00} in less than 24 hours transaction. All my efforts to get {$35.00} reversed proved abortive. The staff even refused to transfer my request to a senior staff above him.
Consumer complaint received 2023-05-11
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. (MI)

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any items in my credit file that resulted from alleged identity theft. The items are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-27
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. (PA)

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the multiple FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer. I XXXX XXXX am making this complaint, last time you guys tried to say I was a third party. Please remove these accounts as soon as possible.
Consumer complaint received 2023-05-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Upgrade, Inc. (TX)

I tried to change address with Upgrade Inc. and their customer support is keeping asking me for more documents. I already sent a utility bill ( internet ) just like they asked in one email, but they are again asking for me for more documents. 

My current address in their system is outdated for several months now and they do not have a section in their website to update this info, even though I got a business loan and line of credit through online. 

Their online help says I should be able to edit my address, but it is not true. Link to this info is here : https : //upgrade.zendesk.com/hc/en-us/articles/115000335508-How-do-I-change-my-contact-information- If they are going to send any documents to my old address, I am afraid that it XXXX fall into wrong hands.
Consumer complaint received 2022-05-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-10-27
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: Atlanticus Services Corporation (MI)

I received an email from Fortiva in response to a secure message that I sent and was told to call in to speak with someone, so I did. I called in and was cut off, interrupted and eventually hung up on when I asked for a supervisor. The rep name was XXXX XXXX. I called back and that was also useless. This company is a joke. They do not help with anything and the language barrier does not help. Instead of trying to understand my concern both agents just got louder and was just loud and wrong! I even called back and requested a supervisor and was told that one was not available! What a complete JOKE!
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

We had a hacker call from our usaa bank number on XX/XX/XXXX, claiming they were from the fraud department and they see fraudulent charges on our account, went over the transactions with my husband using his personal info as a representative would usually only have and gained access to our checking and savings account wiping out over XXXX. We instantly called usaa after the phone call realizing it was fraud, after 5 days they gave us back the XXXX in our savings but not the checking account for XXXX. We have been calling almost daily trying to recover our funds that were stolen and is not looking promising. Completely at a loss with a bank we have been banking with for over 15 years.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2018-12-14
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. (GA)

XXXX/XXXX  ( Charge-off ) Transferred or Sold Opened XX/XX/2014 ( 4 yrs, 1 mo ) You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of this listing. The negative marks are inaccurate. There is no contract or valid claimI want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
It is against the law to attempt to collect a debt twice ... 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

A few months ago, Citibank changed their web site. I have a Citi checking account and 2 Citi credit cards. Previously when you view your Card details and click on the Make a Payment button, it displayed the Citi checking account and the user could easily make a payment. You could still set up additional payment accounts. Currently it directs you to a payment setup page that allows selecting a bank ( Citi itself isn't listed on the default page ) or manually entering account details. It no longer provides your existing Citi accounts. You could search and find Citibank among the supported banks. However, the web site is malfunctioning. 

On XX/XX/2020 I attempted to make a payment from my Citi checking account to one of my credit cards. After entering my Citi credentials, it not only wasn't pulling up the Citi account but was also logging me off from the Citi web site completely. I tried a few times, with different browsers and had the same result. Finally I entered my routing and account numbers manually and processed a payment. I was not notified of any problem at that time or during the following week. On XX/XX/2020 I checked my account and noticed a Returned Check fee of {$29.00} and after reviewing my transactions I realized the payment did not go through. I had the same issues processing a payment but was able to use the Transfer option ( which is not at all intuitive or prominent ) to successfully pay my card. 

In addition to the {$29.00} late fee, Citi also charged me interest of {$6.00} and then {$8.00} next month, both of which as a result of the failed payment. I called Citi and they refused to refund either the late fee or the interest charges. 

This leaves me with the impression that Citi intentionally made their web site more difficult to use in order to generate additional revenue from fees.
Consumer complaint received 2021-10-06
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. (NC)

On XX/XX/2021 I mailed out letters to EQUIFAX, XXXX XXXX XXXX because of some inaccurate details on my credit report. 2 months have passed, but until now, I can still see those inaccurate details on my credit report. I wonder why are they taking so long to settle this. I need this inaccurate details deleted ASAP. It is stated in Fair Credit Reporting Act Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from the credit report and it has been over 60 days so they should be deleted promptly. Please help me fix this issue ASAP.
Consumer complaint received 2018-10-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (TX)

The debt in question is for a repossession of an auto over 8 years ago in the state of New York. The Statute of Limitations has exceeded for collecting this debt and the car has been sold by the company. In addition, I have asked them not to contact me, especially during the day, at work. I have hired an attorney - XXXX XXXX XXXX, who has sent 2 letters to the original company who called and threaten to come to my office and serve my boss with a letter to sue me ( XXXX, XXXX, and Associates, XXXX ). My attorney has sent 2 letters as they did not stop contacting me. Now I am getting calls for 2 weeks from a company called XXXX XXXX XXXX phone number XXXX, XXXX, or random XXXX. I finally asked the guy on the phone what company he was calling about as they usually hang up when I ask and he stated Santander. I requested he contact the attorney of record for me - who was noted previously not contact me. He hung up.
Consumer complaint received 2022-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: C.Tech Collections, Inc. (NY)

I have never received a bill looking to collect money. I haven't been to this medical facility in over 3 years, I was never told I owe money or that anything my insurance didn't cover it when I did attend this facility. I am a single mother with XXXX children under the age of XXXX. I can not afford this bill or accept that it has been sent to collections when I was never notified!
Consumer complaint received 2022-02-11
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE