davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (FL)

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 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 2020-07-07
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 — Problem with personal statement of dispute
Company: CAVALRY INVESTMENTS, LLC (TX)

Submitted Disputes and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX  XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX Calvary Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX-amount stated owed- {$670.00} XXXX XXXX . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX  Dispute report # XXXX shows the XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX  - Amounts have conflicted info on reports {$580.00}, {$720.00} This collector agency has been deleted from XXXX  conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX 

XXXX XXXX- Amount stated owed {$1200.00} XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a XXXX XXXX whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX - {$7000.00} a XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX GA,30067- {$7400.00} Both companies reporting same debt and conflicting amounts owed, also XXXX  reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, MS XXXX {$580.00} Both companies XXXX   XXXX  XXXX & XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent. 


All items have been disputed and request for validation has been asked by credit bureaus and myself due to non response and inaccurate information being reported its a violation of FRCA-1681s-2.
Consumer complaint received 2020-07-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP (CO)

I called Honda Financial Service on XX/XX/2020 and after a extremely long wait time >44 minutes. I finally spoke to a customer support person. Per the new lending institution I requested a Lease Buyout Packet,  however the Honda rep said due to security they could snail mail and/or fax it. I provided the new lending agents name and fax number requesting it be fax 'd to his attention. I reiterated my request and pertinent information, the rep said it would be sent out. This was done late morning on the XXXX and fully expected it to arrive by EOD on the XXXX and/or latest by morning of XX/XX/2020. I contacted the new lending institution on XX/XX/2020 to see if he had received the fax and he responded a negative but did verify his fax machine was operational. 
I failed to get his name or identity and didn't ask the turn around time but did mention it was time sensitive since the we were intending to close this out prior to next required pay date. I went on XXXX XXXX   website to see if I could get the required information and did find a way to get a pay out amount and what date it was good to and I emailed that to the new lending institution but he said that info was not sufficient for his requirements and did in fact need the Lease Buyout Packet originally requested.

I again called Honda Financial on XX/XX/2020 and again spent an inordinate amount of time >1 hour  waiting for a live pickup. This time I requested the support person 's name, XXXX, and explained to her what transpired the previous day and asked why the requested information was never sent. She had all of the right information, new lending agent 's name and fax number from yesterday 's call. I asked her how much time should be expected to get a simple fax out and she agreed it shouldn't be too long. I'm assuming it's an automated process. She said she would resend, I gave her the new lender 's direct phone number so she could validate it was received. She placed me on hold and attempted to call the new lender but did not receive validation. I subsequently emailed the new lender and awaiting feedback.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and I entered an agreement to settle a charged off account for the amount of {$3000.00} at {$250.00} a month. My balance is now {$2200.00} however XXXX will not update my credit report to reflect the payments and agreement. They are however reporting nothing has been paid each month. This is an unfair practice. If they have time to report nothing has been paid, they have time to show current payments and an updated balance. It currently has my balance as the same even though I make monthly payments.I was told nothing would be changed until my final payment however my credit report is stating I have made no payments or that no effort is being made which is simply not true.
Consumer complaint received 2020-07-07
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. (IL)

I'm trying to correct some personal information with Experian and the number they give to call is literally useless - XXXX. There is no option there to speak with anyone. Just some useless automated operator that does not provide any information and eventually hangs up on people.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

As Im currently in the midst of dealing with the fallout of being a victim of identity theft, my bank was unable to process some payments to my credit card, and as a result American Express closed my account without warning and without valid justification. My most recent payments went through and debited my bank account, and so I believe only one to three payments of a small value were reversed due to the aforementioned issues. Its quite shocking and sinister, after I paid my annual {$690.00} fee for the card itself, then they close it, and after my payments that debited too. I expected more from American Express, especially as a large shareholder in the corporation.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (PA)

I received a new PNC credit card and set it up for automatic payments online. When the first payment was due the payment didn't come out. When I was notified the payment wasn't made I called in and paid the amount due and set up autp pay again and had the late fee removed. The same thing happened again in XXXX so I called in to find out why the auto pay didn't come out and it turned out that when the representative put the auto pay in place for that one payment but not for recurring auto pays. So I called in and paid the payment but they refused to remove the late fee because they said it wasn't their fault. My statement clearly shows that the payment I made was an auto pay. Basically it's just a miscomminucation on their part that they told me I was set up for auto pay but didn't mention I had to do it differently for it to be recurring. The last time I called in we figured out what happened and they assured me the recurring auto p [ ay is on now but still will not remove the {$39.00} late fee.
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (NY)

Noticed on credit karma that an old inquiry ( from XXXX XXXX ) was removed, and then an inquiry from that same bank was newly added. XXXX XXXX has no info other than " BARCLAYSBANKDE '' displayed, and the fact that it was added to my report within the last 5 days. Tried contacting transunion for contact information for the bank and was denied. Their website does not work and phone wait times are extremely long. Mind you I chatted with XXXX maybe XXXX weeks ago where I provided my SSN and DOB through a secure form within the chat and had contact info for a collections account provided immediately. Now suddenly that is impossible and since their website will not work, I HAVE to call to verify my identity and providing contact info through the chat is 100 % impossible and a privacy issue. Finally contacted bank directly by just calling XXXX numbers on the Barclays website for info on why an inquiry was just recently added and they just said I " had no recent applications with them. '' When I stated they needed to investigate why they have just added an inquiry if I have not applied for anything, they stated over and over again that someone MUST have added me as an authorized user despite that being completely impossible. And of course they had no way of looking up this imaginary account that I am an allegedly an authorized user on. Refused to transfer me to a supervisor because I am " not a customer. '' Had to threaten contacting the FTC and ask for the agent 's identifying information before they would even mention being able to file a report.
Consumer complaint received 2020-07-07
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. (LA)

show tooltip button XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ALL FTC VIOLATIONS REPORTED AND SENT TO THEM
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

My name is XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX NY, XXXX. This is in regards to American Express card # XXXX On XX/XX/2020, I purchased tickets to a XXXX basketball game from XXXX  using my American Express card for {$550.00}. The company sent me the wrong tickets and refused to exchange them. I contacted American Express and they sided with the company since the company has a policy of no refunds. American Express did not look into the nature of my complaint - i.e., I was sent the wrong tickets. 

The game was cancelled due to COVID and then the whole XX/XX/2020 XXXX  season was cancelled. XXXX offered me credit that is good until XX/XX/2020. Unfortunately, all arena events are cancelled in my area for XX/XX/2020due to COVID. I again submitted a dispute to American Express. They did not read the complaint and simply re-stated that the company does not issue refunds. 

XXXX XXXX have refunded all ticket holders for the XX/XX/2020year and XXXX  is keeping the money.
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending (GA)

XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX XXXX XXXX My interaction with Supreme Lending was to see if I could buy a house for myself and my young family. I talked to " XXXX '' in XX/XX/XXXX. 
" No problem '' he told me. 
NO MENTION OF NEGATIVE CREDIT REPORTING We find a house and here comes a woman named " XXXX '' She says, " I'm Supreme Lending now '' NO MENTION OF NEGATIVE CREDIT REPORTING. 

We never did business and now I have negative marks on my financial reputation. I want these hard inquiries removed. 

All three credit agencies, one hard inquiry in oct. XXXX and XXXX in XX/XX/XXXX. 

These are fraud. It was fraud by inducement occurring when a misrepresentation leads another to enter a transaction with a false impression of the risks, obligations and duties. 

That's what XXXX and XXXX did of Supreme Lending. They committed fraud against me. 

Also, my understanding is that under the fair credit reporting act XXXX " any consumer reporting agency MAY furnish a consumer report under the following circumstances AND NO OTHER 2. ) in accordance with the written instructions of the consumer ( me ) to whom it relates. 

I did not give these people written instructions to do negative credit reporting and injure my financial reputation, why would I do that? 

I came for an extension of my credit, not to be injured by this company and DEFRAUDED.I am requesting that you help me in making my credit report " Fair and equitable '' to me.
Consumer complaint received 2022-12-03
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: Paramount Recovery Systems, L.P. (GA)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-27
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to dispute a fraudulent account .I am a victim of identity theft, and I this is not my account. I am requesting that you investigate this account below. It should not be on my Equifax Report. Please investigate remove this account as soon as possible. In addition, pursuant to..as a victim of identity theft I am requesting that you provide me with copy of my report once this is removed. I am a victim of your data breach in XXXX as well as XXXX data breach. 


Please remove the account below. 
XXXX XXXX XXXX XXXX XXXX This do not belong to me.. 
There is not original creditor on my profile but the account number XXXX ( It says medical but its not specific this is breaking the Hippa Law and this do not belong to me Also I have several unauthorized inquires delete. 
XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Consumer complaint received 2020-07-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

Approximately XXXX XXXX I was contacted by my mortgage holder ( Freedom Mortgage ) to re-finance my current mortgage at a lower rate. I took them up on this offer and they stated it would close before my XX/XX/2020 payment was due. This didn't happen. We tried to close before XX/XX/2020 payment was due. This didn't happen. Since this process began back in XXXX, ( now approaching 90 days ) I have had trouble trying to contact Freedom Mortgage for the status on my loan. In XX/XX/2020, I was told that a subordination agreement was sent out to XXXX XXXX XXXX ( my bank ) to  sign. Again in mid XXXX I was told a subordination agreement was sent out. Last week in XXXX I was told again, by the loan processor, that a subordination was sent out. Each time I have contacted XXXX to check if they had received a subordination agreement. Each time their answer was NO. For the past four weeks I can not get the loan officer to return any of my calls. I have asked to speak to a supervisor on four occasions, but get voicemail and no return phone calls. I even sent an email to the CEO XXXX XXXX with no results. I call their phone number and you get please hold or enter your phone number for a call back. I have done this at least 6-8 time during the past 3 weeks with no return phone call. Since this process began, the only thing I have received is 5 change in terms, of which the last one had an error. Too many lies and untruths from this institution. I'm a retired banker and know the process.
Consumer complaint received 2020-07-07
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. (TN)

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my SSN card and Drivers License for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my SSN card and Drivers License for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-15
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. (WA)

In the past XXXX years I have had poor credit ratings due to the way credit bureaus report. The lower your credit for inquiries even though in most cases an inquiry does not increase your debt. Your score should not be affected by inquiries, only increased debt. Financial institutions invariably report bad information and the bureaus run with it. Most of the reports are severely outdated and information is missing. Credit bureaus do not take into consideration your assets which in my case more than offset my debt. XXXX example with XXXX XXXX for example who reported a late payment. The late payment was due to their online payment system being down and as they continued to have problems with their system I paid off the credit card and closed the account. The only thing I got out of that was a reported late payment which stays on my account when I should have received a XXXX on the back for paying off the credit card and closing it. Another case I had a loan which I paid every month and when I paid the last payment the bureaus showed the account as being closed as if I defaulted when actually I completed the payments without missing a single one and the loan was paid. They are pathetic and have no idea about personal credit. They are completely systemized, and it is a bad system.
Consumer complaint received 2020-07-07
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2021-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted multiple disputes for fraudulent hard inquiries and fraudulent accounts. 

XXXX accounts - XXXX  {$16000.00} XXXX XXXX XXXX {$7400.00} Transunion hard inquiries - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

From XXXX I had a Wells Fargo student checking, savings, and a regular travel checking account. 
I was charged fees if i Didnt deposit money often ( 1x/mnth ) I was charged if i didnt swipe my card at least 10 times each month. I was charged for having a low bank balance and I was charged for trying to close my student account. 
I incurred many fees from this account which also affected my savings as the checking account would pull money from savings to cover fees. 
My travel account was {$100.00} to open the account. The account was compromised within a few days after opening it, while I was halfway through a trip! Wells Fargo had to freeze my account. I never saw the remainder of the money refunded and I was charged to close that account after the fraud/ compromise.