davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (TX)

I previously filed a dispute with XXXX regarding the American Express Account XXXX negatively reporting to my XXXX Credit File. In my dispute I included court documents submitted by American Express and ordered by the judge of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. On XX/XX/XXXX American Express filed suit against on credit card balances arising from two American Express card accounts ending in XXXX and XXXX. XXXX. American Express was awarded a Judgment against XXXX, on or about XX/XX/XXXX, in the principal amount of {$12000.00} and all costs of suit. 3. The full name and address of the individual whose interest in the Judgment is being fully released as set forth below are XXXX XXXX XXXX, whose last known address is XXXX XXXX XXXX, XXXX, TX XXXX. XXXX. American Express declared the accounts null and void and fully released, exonerated, and XXXX XXXX XXXX XXXX, as identified and described above, from the entire judgment awarded, including ( a ) the principal amount of {$12000.00} awarded by the judgment ; ( b ) all costs of suit ; and ( c ) the operation, force, and effect of the judgment. Not only was I fully released from all reported debt on my American Express cards, the amount being reported delinquent of {$12000.00} was a total of two cards but is being reported as a single account by XXXX. So not only is the amount reported incorrect and due to multiple accounts, not just one. The entire debt has been deemed null and void and by court order, I have been released of all responsibility for this debt. Even after receiving a copy of the court order releasing me from all liability of this debt, XXXX has failed to remove the negative account being reported for which I have no liability. 

In response to this dispute, American Express sent me a response saying it was no longer reporting these accounts to the CRA 's, and addressed their responses to someone with a very similar name in a different city, with different account numbers, stating they were fraudulent accounts. Apparently American Express failed to read the court orders, and correct account numbers, my address, or any of my actual identifying information. I've attached the court orders relieving me of all liability and full release of the debt, which American Express requested happen. I just ask you finally stop reporting this debt which by court order I am not responsible for. 

I've attached the court orders once again. 

Regards, XXXX
Consumer complaint received 2022-03-03
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. (AR)

TransUnion is in violation of 15 USC 1681b ( a ) ( 2 ) which states that I the consumer have to give TransUnion written consent to furnish anything on my consumer report. I XXXX XXXX the consumer never gave TransUnion any written consent to furnish anything on my consumer report. No consent is Identity theft. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) I the consumer have the right to privacy. My privacy has been breach because TransUnion continues to furnish these inaccurate accounts that I never gave them any consent to report on my consumer report. There is no such thing as public records for a consumer. 
I have attach the response I sent to TransUnion below.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the federal Trade Commission 's identity theft affidavit. Please delete these items as soon as possible thank you
Consumer complaint received 2021-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2022-01-13
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (NM)

I purchased a used vehicle XX/XX/XXXX, payments of {$330.00} monthly, Was working Full time. Made 4 month 's of payments on time. 
Early XX/XX/XXXX Covid -19 arrives. 
Furloughed from work. 
I start recieving harassing calls constantly everyday from XXXX am to XXXX pm, voice-mail s emails but no letters. Until finally my car is repo ed by tow to a hidden place. Was not told where it was until I was forced to pay what the arraignment was.. Repo # XXXX phone # XXXX payment {$700.00} Plus catch up payment {$580.00} Even having paid the calls still came as a reminder, but I felt Harssased, constantly. 
Monday thru Sunday. 
Was called back to work XX/XX/XXXX Back to bi weekly pay, shedualed payments monthly again. 
But previous arraignment was to pay weekly to catch up. Still under Covid restrictions mean while. 
Calling me everyday at work XXXX until XXXX pm, never giving up the harassing and bothering calls, I was frustrated by the methods of the dept collectors. 
I was fed up. Being a used car, I was having some car trouble with the electronics and seat sensors. Fell behind again, but notified the company and we agreed to make catch up payments again. 
Apparently it was put up to re-po and was Repossed for the 2 ND time. XXXX? 
Came back around paid again to get my car back. Emmeidiately, the calls. By this time I'm going crazy, thinking about how to stop this, I posted a blog on their website about how they call to much on the daily if u fall a little behind and if u don't answere thier harassing calls, they tow the vehicle at XXXX leaving u stranded and loose work witch equals loosing money. 
Which ultimately will be another late payment and another re -po # XXXX XXXX XXXX? 
As it stands right now I'm out of work on short term XXXX, recieving Food assistance to eat, going on 4 months behind on rent, no paycheck and Covid is still taking lives here in the US and I've still been recieving these calls from the debt on my " Used '' vehicle not " New '' with almost XXXX miles and # XXXX " Re - Po '' tow XXXX happened XX/XX/XXXX. So they win and I loose, Will not be able to afford to get my used car back this time.
Consumer complaint received 2022-01-13
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: William D. Meeker Enterprises, Inc. (NY)

The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) Insurance c ) a court order. d ) employment. I recently pulled a copy of my credit report and noticed an inquiry that I did not authorize and does not fit A, B, C, or D above : - XX/XX/2020 XXXX XXXX
Consumer complaint received 2022-01-13
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: EQUIFAX, INC. (NY)

The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) Insurance c ) a court order. d ) employment. I recently pulled a copy of my credit report and noticed an inquiry that I did not authorize and does not fit A, B, C, or D above : - XX/XX/2020 XXXX
Consumer complaint received 2021-11-11
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: National Credit Adjusters, LLC (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

NATIONAL CREDIT ADJUST XXXX Balance {$4000.00}
Consumer complaint received 2022-01-13
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have been a Bank of America ( " BA '' ) customer for 30 years. On XX/XX/XXXX at XXXX PM, BA alerted me of suspected fraudulent charges of my BA Visa card. I logged into my account and determined that 4 purchases at restaurants in XXXX, PA within the last XXXX hours were indeed fraudulent ( approximately {$160.00} ). Although the bank initially reversed the charges, they later responded that they were denying the fraud claims. I asked for a further review, stating that I live in XXXX, VA and was making in person credit card charges on the same card on the same dates as the online charges in question in XXXX. I also informed them that I had not traveled to XXXX on the dates in question and had not made purchases with these merchants anytime in the past. 

On XX/XX/XXXX, XXXX, the head of Bank of America 's fraud department, called me and offered a personal apology. She said the initial claim had been reviewed by a new person in the fraud department, that she had reviewed them, and they were indeed fraudulent. The bank reversed the charges. I thought the issue was resolved, and I was satisfied. 

Today, on XX/XX/XXXX, I noticed on my BA online account that the fraud refund has now been reversed again for XXXX of the XXXX merchants. I have tried to reach out to XXXX, the head of the fraud department again, but no one answers the number she provided me, and voice mail has not been set up to leave a message. 

I am a XXXXXXXX XXXX with the federal government, and I do not make allegations of fraud lightly. Indeed, Bank of America 's own algorithms alerted me to the initial fraudulent charges. Because I am not able to get anyone from BA to provide me with evidence that these charges are indeed mine, I am seeking the assistance of the CFPB.
Consumer complaint received 2022-01-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

I am filing a complaint against NET CREDIT as I have tried on numerous occasions to reach someone with authority at this company about the issue at XXXX I had my account set up for automatic withdrawals for payments on my loan, so for a reason I contacted them to change my date, the representative was rude & unpleasant and gave me a hard time, and would not change my date..From that day forward I was not aware that he removed my banking information from my account without my consent or authorization..He had mentioned that I can do the payments my self if he removes my automatic payment..I advised I did not want to do that..Until further later that my account went past due had I realized he removed my banking informationSince then Ive tried to log on & make my payments, in fact it doesnt let me add my account back on nor even make a payment..Ive contacted this company on several occasions to help me with this issue & to no avail they tell me a manager will call me back within 48hrs no one calls backIve also sent emails which I can supply proof if needed again no response, in the meantime they want to report to the credit bureau that Im not paying when in fact I have tried..I need help with this matter as this is jeopardizing my credit..Please also advise them to pull the tape of my phone call with the gentleman, which they will be able to listen to that I never never gave him consent or authorized him to remove my banking information, which is what has caused this whole messThank you
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NV)

I have been denied for modification twice now and not properly reviewed. Rushmore has stated that my DTI needs to be below 35 % and my DTI currently is 34 %. I have appealed twice now breaking down details of my GUARANTEED income versus my expenses, and my debt to income ratio is well in the approved threshold. Rushmore refuses to take into consideration that I get paid in cash from my grandchildren mother, even though she has written a letter, and legally signed it stating she without fault, makes payments to me every month for taking care of them. I would like nothing more than to save my home for me and my grandchildren and be reviewed for a modification and get back on track with my mortgage with payments I can afford. It has been over 6 months that I. have been fighting for my home. As a widow and an almost XXXX XXXX XXXX woman, I would like to be in peace knowing that my home is secure.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have been trying for months Experian has ignored my request for physical validation as well as ignored accounts that I have identified as Identity theft and this organization refuses to remove them. In addition to this is my second attempt for this company to send me the information I have requested for these accounts that are not validated and they should be removed immediately. They have not conducted any investigations as well have used XXXX XXXX to validate these accounts when I already informed them via writing that that was not an acceptable form of determining these alleged accounts to be validated. They have responded with speculative assessments contrary to my clear written instructions to justify not responding to my issues raised in my complaints. Please remove all unauthorized, fraudulent accounts promptly pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent farther legal action. It is a fact with the included CFPB report Published XX/XX/2021 I have Proof that I previously submitted both an identity theft report that Experian responded was a third party which was not as well Experian has made it very difficult to removed items that are both unauthorized and are affecting my ability to obtain any credit. This organization has caused me many troubles I have been disputing these accounts for the past 6 months.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE FILED A DISPUTE IN TO REGARDS OF THE INCORRECT ITEMS ON MY CREDIT REPORT. IT BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEVIED ANY INVESTIGATION RESULTS.
Consumer complaint received 2022-07-15
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. (TN)

I been trying to get this issues resolved since XXXX both credit bureaus ( XXXX  and XXXX  ) have refused to supply correct information such as original contract, original payment and dates regarding this collection account .I have sent supporting documents and they continue to allow an aged account to ruin my life. I have reached out to the original creditors with no response Per documents attached the account is from XXXX and was sold to a third party in XXXX. They re aged this account ever couple of years please see document below and resolve
Consumer complaint received 2022-03-03
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. (TN)

I opened a new account for my business from citi for an XXXX XXXX card and was given a very low credit limit ( only {$4000.00} ). I called and asked why it was so low and they asked me if I wanted to raise my credit limit. I asked if they would pull my credit again and they said yes. I asked why because they had just pulled it and why they could not use the information from prior and they said that was not there policy. Now on to using this card I made a payment XX/XX/XXXX and they placed a hold until XX/XX/XXXX. I called and emailed numerous times because the payment was debited from my account next business day and they continued to say it was for security purposes to ensure funds went through. I had several vendors I had to pay for my business and luckily they were all very patient but it was stressful and frustrating. 

Because my credit limit is so low as l soon as the hold was removed I made a purchase and paid it off as soon as the hold was removed. This second payment was made XX/XX/XXXX and my credit limit was immediately refreshed. 

I again paid some more of my bills ( a {$4000.00} credit limit for my business is incredibly low and hard to deal with ) and made another payment XX/XX/XXXX. When I went to start paying bills again every transaction was declined. I called asking why my credit limit was refreshed and they said for security reasons yet another hold was placed on the account until XX/XX/XXXX. I can not pay the bills for my business when they hold my money like this. I asked the representative today ( XX/XX/XXXX ) why the hold was in place as the money has already been taken from my checking account and they just say for security purposes. The customer service is atrocious and these unfair business practices are causing me to default on payments for my business ( something I have NEVER done ). Please advise because there has to be some repercussions for citi/XXXX XXXX
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAPITAL ONE is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( CAPITAL ONE XXXX )
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently disputed all three of my bankruptcies. I still have one that experian is reporting valid and accurate. However, they are not providing the vendor/method of verification that theyre using. First ( Experian ) advised it was XXXX XXXX that verified the accuracy of my bankruptcies. I contacted XXXX XXXX they corrected and removed the bankruptcies. I contacted Experian and advised of the change. Experian still didnt remove it. They then said it was the court house. I contacted the court house they advise they do not speak nor send anything to third parties. I would like for Experian to provide the name of the vendor thats currently providing the inaccurate information.
Consumer complaint received 2022-03-03
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. (NJ)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXXXXXX. XXXX
Consumer complaint received 2022-03-03
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)

Regardless of my written request, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : SELF / LEAD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX