davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

i sent XXXX and equifax letters on XX/XX/2021 regarding the inaccurate and incomplete items that they are reporting on my credit report and they hasn't did anything.this is my 4th attempt into getting this handle and they haven't verified anything nor deleted it.i will attached copies of the letters below
Consumer complaint received 2024-10-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Unified Mortgage Service, Inc. (CA)

THE LOAN HAS BEEN PAID OFF YEARS AGO THROUGH PAYMENTS IVE MADE IN AND OUT OF MY BANKRUPTCIES. I WANT MY DEED RETURNED TO ME AND I WANT MY LOAN TO BE CONSIDERED PREDATORY LENDING AND MY LOAN SHOULD BE NULL AND VOID AND THE ENTIRE GROUP INVOLVED IN THIS LOAN SHOULD BE STOPPED FROM EVER DOING A LOAN AGAIN. I WANT ALL MY MONEY BACK AND ATTORNEY FEES AND MENTAL AND PHYSICAL, SOCIAL AND FAMILY DISTRESS THESE HARD MONEY LENDERS HAVE CAUSED. THEY DESTROY LIVES AND PURSUE WEALTH THROUGH THE HARD WORK AND SWEAT OF WHAT OTHERS HAVE DONE BY TAKING THEIR ONLY POSSESSIONS. THEY FINANCIALLY TARGET LESS ECONOMIC FAMILIES AND MINORITIES. TO GAIN PERSONAL WEALTH. THEY NEED TO BE STOPPED AND EVERYBODY THEY TOOK FROM SHOULD BE RETURNED TO THEM AS WELL AS THEIR FAMILIES IF THE BORROWERS ARE DECEASED, THESE HARD MONEY LENDERS KILL PEOPLE BY THE MENTAL AND PHYSICAL ANGUISH THEY CAUSE ON OTHERS. THE DO ABSOLUTELY XXXX TO ASSIST AND PRACTICE DECEPTIVE BUSINESS.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/2009 Balance : {$0.00}.
Consumer complaint received 2022-09-27
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. (DE)

In accordance with the Fair Credit Reporting Act, 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
Consumer complaint received 2023-04-04
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MD)

I opened a " XXXX XXXX XXXX XXXX '' American Express credit card in XX/XX/2019. On the American Express website the sign-up offer was XXXX points if you spend {$3000.00} within the first 3 months. I clicked on this offer and was approved for the card. 

I fulfilled the {$3000.00} spending with my natural purchases well within the 3 month limit.However the bonus didn't credit to my account. I waited a billing cycle to make sure and still no bonus. I contacted customer service and the representative confirmed that the offer was attached to my account but was rejected. I asked he open an inquiry to why, he said he would call me back with results. 
I never heard back so I called in again and they reopened the inquiry. After a week with no response I called a third time. 
The representative said the signup bonus was denied because I had another American Express credit card which I haven't used. The other card referenced was a " XXXX XXXX American Express card ''. I explained to the rep that I opened that card when I was planning some travel to take advantage of its travel benefits. After the opening and booking a flight I decided to only use that card when I'm booking flights. 
I asked why one card affects another when I explained how I plan on using my Delta Amex card.  The representative offered no explanation and only this was the reason they are not honoring the signup bonus for the XXXX card. 
I received NO warning of this when I was signing up for the XXXX XXXX XXXX XXXX card. If there was any problem with my other account I should have been denied and not mislead that I would be receiving a sign-up bonus. 
I have travel coming up and was planning to use this card.
Consumer complaint received 2019-05-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: OPORTUN FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I noticed that {$100.00} was withdrawn from my bank account. A payment in the amount of {$100.00} was already withdrawn on XX/XX/XXXX. The only time a payment is made is when I request another top up loan which I haven't since the XX/XX/XXXX payment. There isn't a phone number for Oportun XXXX, just an email address, so I emailed them. I received a response from XXXX. He advised that I received a {$100.00} top up on XX/XX/XXXXand XX/XX/XXXXbefore the company was able to recoup the first payment, so now they are going into my account to recoup a XXXX payment. I provided a copy of my bank statement showing that Oportun withdrew {$100.00} from my account for the month of XXXX proving that I paid them. I also informed XXXX that there may be a computer glitch on their end because I received a text from Oportun showing incorrect balances and amounts and asking me to top up when I didn't need to. XXXX then reiterated that the withdrawal from XX/XX/XXXXwas correct because of XXXX and emailed me all debits/withdrawals from Oportun. I reviewed the documentation it only showed two amounts for XXXX. Once again I emailed him the bank statement showing 4 payments in XXXX. He advised he would escalate and someone would be in contact with me. It has been 4 days ( 2 business days ) and still no response. I emailed XXXX back, but still haven't heard from him either.
Consumer complaint received 2019-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates (GA)

I took a XXXX XXXX at my XXXX 's office on XX/XX/2017. The charges for the XXXX  XXXX procedure were submitted to and covered by my XXXX XXXX XXXX XXXX XXXX XXXX medical insurance. I received a copy of the Explanation of Benefits provided by XXXX/XXXX  to cover the cost of the procedure. The XXXX XXXX XXXX provider of the service was a XXXX XXXX/XXXX  XXXX " preferred provider '' and, as such, was required to accept the amount indicated by XXXX as payment in full for the services rendered. XXXX XXXX and XXXX XXXX paid their portion and I paid the patient portion in full. The doctor 's office has attempted to collect an additional {$790.00} from me that I do not owe. I have received numerous calls and letters from them, their internal collections department and an outside collections agency. Each time, I have submitted letters disputing the validity of this debt and provided them with copies of my XXXX XXXX XXXX Explanation of Benefits, which clearly states that I am not responsible for any additional amounts. This have been going on for nearly two years and I am suffering a great deal of stress and anxiety because of the ongoing dispute.
Consumer complaint received 2023-02-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

No XX/XX/2022, I filed a complaint with CFPB complaint number XXXX XXXX and complaint number XXXX Experian However It's been more than 30 days and more than 5 business days since XXXX and Experian has completed their investigation and they have failed to send me a free of charge credit report by U.S. Mail showing the results of their investigation. According to the law 15 U.S. Code 1681i ( A ) In General Before the expiration of the 5-Business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ) the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. the notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Consumer complaint received 2022-05-26
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. (IL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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
Consumer complaint received 2021-06-09
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. (VA)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit report shows an open equity line of credit account with Bank of America. The account should have been closed over a year ago when Bank of America foreclosed on my home in XX/XX/2017. 

The circumstances were very unusual and did not make any sense. I only mention this because the misreporting on my credit report is just one more damaging mistake made by Bank of America in regards to my situation.
Consumer complaint received 2024-10-24
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. (FL)

This morning, I was completely caught off guard when I found inaccurate accounts on my credit report. I dont understand how this happened. I check my report often, and nothing like this has ever come up before. I refreshed the page, hoping it was a mistake, but the accounts stayed there. Im asking for a thorough review of the documents I sent so I dont have to keep stressing over this.
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 — Account status incorrect
Company: JTM Capital Management, LLC (TX)

This complaint is to inform the CFPB that XXXX different companies are claiming ownership to one account on my credit file. According to the FCRA, this is a violation. XXXX This original furniture, XXXX XXXX XXXX has fraudulently sold this account to two different collection agencies. XXXX XXXX, XXXX, and XXXX XXXX XXXX  , LLC which I havent had any luck with speaking with a representative. While they are still claiming ownership on my XXXX and XXXX credit files. Making it a total of 3 different companies claiming ownership of one account to the three major consumer agencies. Along with this complaint, I have included screenshots of their fraudulent behavior of these companies.
Consumer complaint received 2019-05-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (IL)

This debt was place on my credit report on XX/XX/2019. The amount was for {$430.00}. The collection agency was Phoenix Financial Services. I contacted this company on XX/XX/2019 and XX/XX/2019 about not opening this account and could they send me proof that I open this account. As of yet I have not received anything. This account was sold to them by XXXX XXXX XXXX. I file a dispute with XXXX and was told the information was accurate. I disagree with the result and how they came to this conclusion. How much investigating did they do? Did they see the proof that the company provided? What about proof that this account was open via computer with no signature to verity the authenticity? And how did they come to this conclusion in such a short time?
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (NY)

The company refuses to answer any questions over the phone. They provided inaccurate information over the phone regarding how long it will be for the report to generate. I asked for a supervisor to verify and the representative ( XXXX XXXX refused to transfer me stating I could call back or he could leave a request for a supervisor to call me. 
He purposefully disconnected the phone call when I stated I would hold for a supervisor or wanted to be transferred to another representative. 
A XXXX phone call to the call center resulted in the rep stating they would have to submit a " request '' for a supervisor callback. This callback was hours later and I was not home. 

This is day XXXX at XXXX XXXX  EST. No return call from a supervisor, I called at XXXX XXXX  EST ( they open XXXXXXXX XXXX XXXX and again requested a supervisor call back. The account is my son 's, but I am the one filing the complaint because of how I was treated over the phone, and the rep seemed to be able to pull up an account since he put me on hold to " read the notes ''. I was told a call back request was submitted, and was asked when a good time to reach me would be. I told them XXXX for lunch or I get out of work at XXXX EST. 

I called for the XXXX time, a short time ago, to ask again since there is still no return phone call. This rep stated she could not find an account using our last name, and asked roughly XXXX separate times for my son 's XXXX. 

They should not need his account information in order for me to receive a call back. If the rep this morning pulled up the account without that personal info, why couldn't this evening 's rep find it? Did this mornings rep lie? Have I waited all day for nothing? Why can't ant we be transferred- why do we need to wait so long for a supervisor callback? 

They are essentially holding my son 's account ( joint with me ) XXXX since the bank has restricted access to it due to the report this company supplied. They delay our access to this report claiming it takes time ( up to 15 days ) to generate, yet it would have already been generated in order for the bank to make their decision. Other credit reporting agencies offer their services online, and yet this company seems to be making this process far more difficult than it should be. 

The call center is providing inaccurate information regarding generation times, and the XXXX representative intentionally disconnected the call. Customers should not need to request a callback for a supervisor, and should be able to be transferred to XXXX. There is no verification process that the rep actually forwarded the request. The representatives should not require a XXXX to submit information for a supervisor request. 
This company should be providing instant access to consumer reports.
Consumer complaint received 2022-05-26
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. (IL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX AND 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2019-05-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (OH)

I tried to withdraw {$75.00} from my savings account at XXXX   XXXX XXXX, by initiating a transfer, using XXXX 's website, to my account at another financial institution. XXXX 's website indicated that I did not have sufficient funds to make the transfer, My available balance is {$100.00}. XXXX is greater than XXXX. The account does NOT have a minimum balance requirement ( it does have a minimum opening deposit, but no ongoing minimum balance. ) I tried contacting XXXX XXXX XXXX repeatedly and got no response. Out of a combination of frustration and now total lack of confidence in XXXX being a safe place to hold savings, I contacted the bank again and asked that my entire account balance be ACH 'd to my external account at another bank, and that my savings account be close. XXXX has not responded to, nor acted upon, this request. 

I'm concerned that my funds may be lost forever. It's not a high dollar amount, but it is my money, and I'd like it back. 

In the interest of full disclosure : I'm an employee and a shareholder of Alliance Data XXXX. Alliance Data XXXX is the parent company of XXXX.
Consumer complaint received 2019-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Following a review of my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies, I determined that said reports contained a XXXX XXXX XXXX credit card for which I did not apply. I initially disputed the credit card account as " not mine '' and XXXX XXXX returned a response indicating that it was. Thereafter, I filed a complaint regarding potential identity theft. Not only did XXXX XXXX ignore and reject my complaint, they sent a notice of intent to initiate civil litigation. 

I filed separate disputes to XXXX, XXXX and TransUnion. Each dispute was summarily rejected as frivolous. The negative and fraudulent account remains on my credit report.
Consumer complaint received 2024-10-24
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: Experian Information Solutions Inc. (FL)

I have submitted 3 disputes to each of the credit bureaus. An erroneous child support account was put on my credit report 3 months ago. My child support account has never been in collections. I even went down to the court house and got a copy of my child support payment ledger. The child support account was NEVER a collection. The bureaus are ignoring my proof that I have been sending them! I was also never late on my Mortgage through XXXX. I have requested methods of validation for how they are verifying this account. Please see my attached dispute letters to all 3 bureaus and my child support payment ledger and court house documents.
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX I entered into Payment Cure Plan with XXXX  XXXX XXXX online. The payments were set for automatic draft for XXXX, XXXX and XX/XX/XXXX. After the 3 payments were made, the account was to be brought current. After the final payment was made, the account was not brought current. I attempted via online messaging to get the account corrected on XX/XX/XXXX. I was directed to call in. I have called on XX/XX/XXXX, and XXXX. I called again on XX/XX/XXXX. Each time I have been told different reasons my account was not reaged, and that it would be fix within a week. It is still not corrected. My account has now been sent to collections, when it should not even be considered late based on the payment agreement. During my most recent call, I was told that the agreement was made incorrectly and my account was not eligible to be reaged. I made my 3 payments as agreed and not red card is not keeping their end of the agreement and have since sent the account to collections. Even if the account was not eligible to be reaged, I was never informed of this and was going off the accepted agreement I have from them.