davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (WA)

This complaint is for recent activity on XXXX of my credit accounts with U.S. Bank, that I think the bank treated unfair and caused serious damage to my credit report.

It is concerning the credit card ending in XXXX that I had since XXXX and I believe was in good standing. From the opening in XXXX this card had no annual fees, and I believe I was not informed of any changes to the terms. The card had {$17000.00} credit limit and had XXXX balance for several months. 

In XX/XX/XXXX XXXX Bank imposed {$25.00} annual fee. It went below my radar, for the account was not in use and thus not routinely monitored. I believe I did not receive any notices in the mail, while paperless notices were inaccessible online. U.S. Bank was prompt to report the serious delinquency to credit bureaus and cut the available balance from {$17000.00} to {$500.00}. 

This caused significant reduction of my available credit, increase of % % of credit used, as well as delinquent status on my credit report. Now US Bank uses the drop in credit score to impose further rate increase on my other accounts and further limiting my available credit. I feel I have been treated unfairly and disproportionally punished. 

As soon as I had found out of the missed payment, I immediately paid off the outstanding balance even though I didnt understand the reason I was charged annual fees. I have contacted US Bank in writing and did not receive a response. I request US Bank to remove delinquency record from my report, and restore the card limit to XXXX XXXX amount.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for the following companies : I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my wet signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : XXXX ACCOUNT # XXXX {$270.00} XXXX ACCOUNT # XXXX, # XXXX - {$270.00}, {$120.00} XXXX ACCOUNT # XXXX - {$270.00}, {$120.00}
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Unable to see credit score on Experian. No helpful assistance provided over the phone to fix the problem, even though I've used a credit card for approximately 3 years. 
Username : XXXX My troubles with Experian have delayed me from renting a house for 5 months now. I need assistance immediately.
Consumer complaint received 2023-01-08
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. (AL)

There are two department of education accounts on my credit report that I was not responsible for because my social security was paying for these loans, please remove the two late payments off my credit report from the department of education. I have no knowledge of this because social security was responsible for my payments.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am filing this complaint because Experian and XXXX is not cooperating with me with removing this late payment from my credit file. They have reported a 60-day late payment to my credit file without authorization and did it while in Covid-19 state , which I contacted them each month prior to XXXX and they told me that they would work with me to keep my account in good standing and they was not going to report my account in a negative late payment status during the time I had XXXX over the last couple of months. I am very upset because I have disputed this account to have the late payment removed, XXXX and XXXX had it removed but it still remains on my Experian credit file and it is negatively affecting my XXXX XXXX rating and is keeping me from getting back on my feet since after XXXX. I am pleading and asking that you all remove this late payment before I take this matter to the courts and file a lawsuit for not accurately reporting the correct information on my credit file.
Consumer complaint received 2022-04-29
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. (PA)

On XX/XX/XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 22 days ago, I review my updated Credit Report and I noticed that they updated my address but they did not remove the rest of the inaccurate addresses on the EXPERIAN report, I am now, taking the extra step, because I really need these addresses off of my credit report.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On XX/XX/2022 Equifax ( XXXX ), I sent a letter regarding inaccurate and unknown items listed in my credit report. To this day, over 30 days later, I have not been given a conclusion to this matter. I am unfairly being treated. FCRA Section 611A, clearly stated that the credit bureaus to investigated these items or immediately delete them.

The credit bureau also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ). The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ).
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (NY)

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. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, and the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this account that does not belong to me which is reported erroneously. I am in desperate need of this account to be REMOVED and BLOCKED. 

XXXX XXXX  I XXXX
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that 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 block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX XXXX Balance : {$190.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (LA)

This is my sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020
Consumer complaint received 2024-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

Charged XXXX for membership fees not authorized to this XXXX Bank Credit Card. XXXX Bank and XXXX XXXX both gave me the run around and pointed fingers at the other. Neither took responsibility for their illegal activity.
Consumer complaint received 2022-04-29
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: JPMORGAN CHASE & CO. (IL)

I have been filing a dispute on several occasion and numerous of times of the same complaints. XXXX and XXXX has not been reporting disputes nor fully resolving them. I have reported fradulent activities including identity theft. I believe its a system breach and it is affecting my life. My credit score has been decreasing due to this illegal activities. I have contacted the companies that was reporting this information as well as the credit bureaus. Nothing has been done. XXXX XXXX has more updates then the actual credit bureaus.
Consumer complaint received 2022-04-29
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)

I've recently got a copy of my credit report and noticed that there was an inquiry on my consumer report from a company called XXXX XXXX I didn't authorize nor gave anyone permissible purpose to put anything on my profile. I don't recall doing any business with this company, nor have any supporting documents ben sent to me saying I ignition this inquiry.
Consumer complaint received 2022-04-28
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. (GA)

There are too many inaccuracies in my report and i have filed disputes with EXPERIAN on the dates below EXPERIAN. 
- XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great XXXX and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2022-08-08
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. (FL)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}
Consumer complaint received 2022-04-29
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
2. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
3. XXXX XXXX, Account # XXXX, has violated my rights. 
4. XXXX XXXX, Account # XXXX, has violated my rights. 
5. XXXX XXXX, Account # XXXX, has violated my rights. 
6. XXXX, Account # XXXX, has violated my rights. 
7. XXXX XXXX, Account # XXXX, has violated my rights. 
8. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-08
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. (SC)

I am forwarding the previous email for this matter. This has to be corrected for all 4 credit bureaus once completed correctly. This chaos started as a result of a simple error in XX/XX/2021. Although XXXX payment was received 3 days past my due date of the XXXX and was received XX/XX/XXXX. XXXX payment was reported late and I asked for it to be reviewed as I have 28 days grace period. Lastly, years of payment history of prior mortgage holder late fees are all transferred to my credit file when I assumed the loan. I assumed the loan not anyone else 's negative credit. 
If this matter persist and continue past the dispute deadline date. 
I informed the XXXX that I will discuss the details pertaining to the unfair mortgage practices. XXXX has included blatant, useless, derogatory credit information on my file. I asked for the information to remove the unnecessary late fee amount that has accrued though outage life of the loan. These unfair handling of credit reporting or lack there of responding to dispute are hindering my credit worthiness. This halted my life for one year where I could refinance, obtain a XXXX loan, or make improvements using equity where necessary. My credit score has plummeted from a XXXX to mid 600 's as a result of this error as it was referred to. Documenting me as paying 10 payments or 20 late payments puts me in a very high credit risk category.
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

on XX/XX/XXXX at XXXX i received {$2500.00} by cashapp, i did not expect these funds and sent them back to the sender at XXXX. these funds were never deposited into my personal bank account but only came in to my cashapp wallet and left XXXX minutes later. a month later, cash app debited {$2500.00} from my personal chase account claiming there was a dispute with this payment. i have not be able to resolve this issue and cashapp customer support is poor to say the least
Consumer complaint received 2022-04-29
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. (FL)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX  XXXX/ {$500.00} / XX/XX/2021
Consumer complaint received 2023-12-28
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

Dear Consumer Financial Protection Bureau Subject : CMRE Financial Service, INC-Debt Collection Account Number XXXX Reference # XXXX On XX/XX/2022, I was admitted to CXXXX XXXX XXXXXXXX XXXX XXXX I XXXX of 2022. I received a demand letter from CMRE Debt Collection. 
This letter stated I owe a balance of {$200.00}. For services rendered at XXXX XXXX XXXX. 

It should be noted that I had not received a written or electronic billing statement in the amount of {$200.00}. Prior being placed in debt collection with CMRE Financial Service, INC-.

I promptly called CMRE on a recorded line to decipher where this bill had originated. I asked the CMRE Representative if they were collecting on behalf of XXXX XXXX XXXX XXXX XXXX or another local or XXXX XXXX XXXX XXXX. 

CMRE was unable to provide this information. 
XX/XX/2022. I paid CMRE Debt Collection in the amount of {$200.00}. ( Check # XXXX ) via U.S Mail. 

XX/XX/2022 this check ( Check # XXXX ) was posted and {$200.00} was withdrawn from my checking account. I have included photocopy verification illustrating that check XXXX was indeed accepted as payment. 

XX/XX/2022, I received a second demand letter from CMRE Debt Collection. Same Account Number XXXX and same Reference # XXXX This document claims owe a balance of {$200.00}. The amount that CMRE Debt Collection redeemed as payment on XX/XX/2022. 

I continue to receive Voice Mail Messages from CMRE indicating I owe debt..

I have since contacted CMRE Financial Service, INC and requested they provide written verification that there is no current account balance owed. As of the writing of this letter this matter is unresolved. 

Should this be in the realm of your jurisdiction to Investigate and assist settle this matter I would truly appreciate it. 

Respectfully, Sincerely, XXXX XXXX