davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (AZ)

Hello, On XXXX at XXXX I tried to make a {$740.00} payment to my American Express card at the XXXXXXXX XXXX  ATM at XXXX XXXX XXXX XXXX I learned after attempting this that it is not possible. 

The ATM tried to return all of my cash except a {$100.00} got stuck and the ATM ate the money. I watched this clearly happen. The ATM printed a machine error notice ( see attached ), and directed my to contact XXXX XXXX I then deposited the remaining {$640.00} into my XXXX XXXX  checking account at XXXX. 

I contacted XXXX XXXX, and they did an investigation. They notified my on XXXX that they had no record of any errors. 

I contact American Express and they were sure that there was nothing they could do. 

I escalated this with XXXX XXXX on XXXX, and was notified of the same result. Their issue is that because an American Express card was inserted into the ATM at the time they have no record of this actual transaction. They only have a record of the deposit made at XXXX using a XXXX XXXX ATM card ( see attached ). On XXXX I spoke with a XXXXXXXX XXXX manager XXXX who informed me I would have to pursue the matter through American Express. 

I have contacting American Express regularly since XXXX, and they have never returned any of my calls, sent me any letters, or sent me any emails. I repeatedly ask for a supervisor call back, and no one has ever called back. The American Express claim is XXXX.
Consumer complaint received 2022-03-31
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. (TX)

I Consumer, XXXX XXXX submitted the attached dispute to TransUnion on XXXX XX/XX/2022. Upon review of my rights and reports I submitted a dispute to TransUnion requesting that the listed accounts in the attachment on my consumer report be removed in accordance with 15 USC 1681a ( 2 ) ( a ) ( i ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report. In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided. Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Upon reviewing all of my documents for each of these creditors, I WAS NOT provided with clear instruction to utilize my Right to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out of having my information shared.
Consumer complaint received 2022-04-22
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 — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (CA)

XXXX XXXX  XXXX is violating my rights as a consumer. In accordance with the Fair Credit Reporting Act, reporting information regarding checking account ending in XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. section ( a ) ( 5 ) states : ( a ) Information excluded from consumer reports ( 5 ) 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. 

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXXequesting copies of all documentation and information regarding account ending XXXX. I received a letter in the mail that simply stated their investigation had been completed and information was updated. They did not attach anything additional as I asked. 

They had reported incomplete, unproven, and or inaccurate information to both XXXX and Early Warning Services about me and this account. Regardless of their inaccurate reporting practices they are in violation of my rights as I have stated above. 

I have attached a copy of the original letter that I sent to B of A which explained in detail what happened to me as well as a request for documentation that would have helped me understand why my account was closed in the 1st place. They failed to provide me with that documentation. 

I have also asked for both XXXX and Early Warning Services to investigate this matter. Both came back and stated that their investigation with B of A has been completed. This account remains on my consumer disclosure with both companies. I also never gave them written instructions to furnish information about me. They are both also in violation of my rights. 

I have attached copies of both of their response letters.
Consumer complaint received 2022-04-21
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-21
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. (NY)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-04-21
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. (PA)

I am reaching out because I am at a complete loss right now. I am attempting to get a mortgage and my credit reports show I have XXXX missed payments to my student loans. When I investigated this further it shows I have XXXX missed payments from XX/XX/XXXX and XXXX missed payments from XX/XX/XXXX. I disputed this with the credit agencies and they came back and stated that they verified the information and they can not remove it. I then requested my student loan status history. For all XXXX of the reported missed payments I was in economic hardship deferment. I was in deferment XX/XX/XXXX to XX/XX/XXXX and also XX/XX/XXXX until XX/XX/XXXX. The missed payments being reported fall within these times of deferment. I wrote a letter and attached supporting information to XXXX and they wrote a letter back stating that I am still responsible for the missed payment and they can not retract the negative mark from my credit. I have been so stressed out about this! It does not seem fair that while I was in economic hardship deferment they can " kick me while I'm down ''. I then called XXXX XXXX reporting line on XX/XX/XXXX right before I wrote this email and while the guy I spoke with understood and agreed with what I was saying the only advice he could offer me was to write a letter to XXXX. I explained that I did that already and he stated there was nothing he could do. 

I am hoping that you can help me get this resolved or point me in the right direction. I am a single mother and have two small kids and I really just want to provide a house, a place they can grow up, and I am being haunted by missed payments that should never have been reported in the first place.
Consumer complaint received 2022-04-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CommonBond, Inc. (GA)

These XXXX companies need to better regulated as they are using a lot of bait and switch tactics to lure consumers in and then quickly change up the pricing/rate on people. With Commonbond, I sought them to refinance my student loans currently with XXXX. I went through filled out their application with the correct information, they did a soft pull of my credit and offered me a rate of 4.15 % for 20 years, in which I was elated because I am currently paying 5.235 % with XXXX and that reduced by rate by more than XXXX and would shave almost {$120.00} dollar off my current payment amount. Submitted my paystubs, connect my XXXX loan so they were able to see the rate and current amount, and commonbond proceeded did a hard pull of my credit. As of this morning, for the same 20 year loan, the rate has now jumped up to 6.3 %. I have high income, excellent credit, and low DTI. Ive never been late on any bill or my student loans. While most folks loans are deferred and not paying, since mine are private I have been consistently paying on-time during this COVID environment. So I do not understand why I was originally quoted 4.15 % and now being shown 6.3 %. All information provided was accurate and I provided my paystub to support the income I provided. I feel that if I were of XXXX decent and not XXXX XXXX, my rate would be still 4.15 %. These companies have been allowed to skirt many of the rules put in place to avoid skeptical business dealings and enforced with banks and it is about time they fall under the same rules. They should no longer be allowed be loose pitbulls.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

This is XXXX XXXX, submitting yet another CFPB complaint today to inform the Credit Bureaus to reinvestigate and correct or update the following disputed accounts from my Credit Report. I am submitting this Complaint in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. I need the following accounts removed from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (LA)

I have tried on numerous occasions to have inaccurate accounts removed from my credit report and also in accurate late payments applied. There are also many accounts reflecting in collections thats are inaccurate. I have disputed these items multiple times with no resolve.
Consumer complaint received 2022-04-21
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. (WA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-21
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. (WA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance ; {$730.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$430.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$480.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00}
Consumer complaint received 2022-02-17
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. (CA)

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 2022-04-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Klima, Peters & Daly, P.A. (MD)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Klima, Peters , & Daly of Mid-Atlantic Law Group, for committing identity theft Since XX/XX/XXXX for the amount of {$12000.00}. My wages have been being garnished since XX/XX/XXXX. I have never given Klima, Peters, & Daly of Mid-Atlantic Law Group, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Klima, Peters , & Daly of Mid-Atlantic Law Group and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Klima, Peters , & Daly of Mid-Atlantic Law Group any right to collect on this alleged debt.

I have never received any documentation requesting validation from Klima, Peters , & Daly of Mid-Atlantic Law Group, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code1692d ( 4 ) which the FTC defines as debt parking. If Klima, Peters , & Daly of Mid-Atlantic Law Group, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Klima, Peters, & Daly of Mid-Atlantic Law Group, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Klima, Peters, & Daly of Mid-Atlantic Law Group continues its collection efforts, I will file for litigation for actual damages caused and Klima, Peters , & Daly of Mid-Atlantic Law Group, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

XXXX and XXXX removed the XXXX XXXX collection item from my credit file because this account is not mine nor do I ever had knowledge of this company. This account should be deleted from my Experian report also. Thank you for your help.
Consumer complaint received 2022-04-19
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: Credence Resource Management, LLC (KS)

Credence has called a numerous amount of times about a debt they've bought. I'd already paid this debt to the original creditor and credence is illegally putting this on my credit report. I've asked for a debt validation letter and they have not sent one out, nor did I got anything stating the debt was bought and that Credence would be reporting this on my credit report.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (MN)

Signed up for XXXX XXXX card through American Express. Was excited about getting some skymiles to purchase airline tickets so I paid my taxes to IRS with XXXX card and that really should have been the end of the story. Reached out Amex through their app via chat and requested that my limit be increased. I requested my limit be increased to a little over $ XXXX. I explained to Amex that I have really good XXXX XXXX and $ XXXX in my checking account so I didn't understand why my limit was so low. They refused to help me increase my limit and provided no reasons on why my limit couldn't be increased. Spoke with manager named XXXX XXXX employee id # XXXX  ) and he refused to provide any information as to why Amex was unwilling to help me. I thought they would want me to use this card, but why are they making this so difficult. Secondly, why won't they tell me why they can't raise my limit, isn't that their responsibility as a credit card company? Lastly, because I'm not able to up my limit, they will decline payment to IRS and I will incur late fee because of their unwillingness to help their own customer. I wish I never would have even signed up for their card. They make it seem like it will be easy to wrack up XXXX, but then refuse to give me answers and cause me to have late fee with IRS. Someone needs to do something about scam artists like these.