davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, While checking my most recent Transunion and XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting 15 uscAct Section 1681b ( c ) and a serious breach of my privacy rights.

MY CLIENT PUT A CREDIT FREEZE ON HIS CREDIT REPORT ANY unauthorized inquiries SHALL DELETE immediately TRANSUNION and XXXX DID NOT REMOVE ALL UNAUTHORIZED INQUIRES AS THEY PROMISE AND NEED TO REMOVE ALL UNAUTHORIZED INQUIRIES. 
THEY DID NOT DO ANY investigation VIOLATE LAW 15 USC 1681b 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S.C 1681 section B ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I am an attorney and I deposited a settlement check in my client trust account at Chase Bank. The check posted and funds were released. I notified my client and issued checks to my client from the settlement. Then XXXX days later, Chase without permission or consent debited the settlement funds from my client trust account and put a 10 day hold on the previously released funds. This meant that I had to notify my clients right away and tell them not to cash or deposit the check as it would bounce and I would be reported to the XXXX XXXX for issuing a check with insufficient funds from my client trust account. 

When I contacted Chase to ask why they debited the money, their explanation is that they felt they needed to put a longer hold on the check. I understand a bank can put a hold on checks. My complaint is based on a bank releasing the funds from a deposited check and then, debiting and/or putting a hold on the released money. This is specially true for client trust accounts as the money in the account belongs to my clients and I am required to release the funds to them as soon as possible.
Consumer complaint received 2022-12-15
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. (CA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-23
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. (MN)

I sent letters to the credit bureaus asking them to verify debt on my report and according to their investigation account XXXX came back as verified. By law 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

If you take a look at my most recent credit report, you can identify the inaccuracies on the report which is a violation of the FCRA and subject to further legal action. In the comment section it's noted the account has been disputed but reporting incorrect information.
Consumer complaint received 2022-08-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX account # Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information With charge off/collection is basically the creditor saying Im no longer responsible for this debt, but the IRS says for amount that are written off over {$600.00} the the creditor have to send me my 1099C I need to file that wit my taxes as earned incomes in IRS eyes If I got my 1099 C and I file it as income how is that being reported as a debt ACCOUNT PAID IN FULL BEFORE COLLECTION YOU HAVE VIOLATED CONSUMER LAW THEREFORE YOU MUST REMOVE ACCOUNT FROM ALL CREDIT REPORT
Consumer complaint received 2020-08-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

Shellpoint Mortgage Servicing claims to have paid my 2nd half property taxes out of escrow in the amount of {$680.00} on XXXX XXXX County Treasurer has not received any payment from XXXX on my behalf. 

XXXX claims it paid by a check batch, but they refuse to produce an image of the cancelled check, nor are they willing to communicate directly with the County Treasurer about the matter. Instead tax payers are put through a long-running shell-game that results in no tangible nor useful information for resolving this issue. 

In fact, this non-pay issue affects at least XXXX XXXX County tax-payers serviced by Shellpoint d.b.a. XXXX. I suspect they may have misappropriated funds held in escrow and never actually cut a check at all, but suspiciously ledgered debits from our escrow balances anyway. XXXX has not produced any evidence to prove that funds allegedly remitted, were acknowledged/received by payee XXXX XXXX XXXX or cashed by another entity and in need of recapture. 

It has a really bad accountancy and finance smell, and we really need an advocate before tax-liens are levied against our homes.
Consumer complaint received 2023-03-23
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. (MN)

I sent letters to the credit bureaus asking them to verify debt on my report and according to their investigation account XXXX came back as verified. By law 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

If you take a look at my most recent credit report, you can identify the inaccuracies on the report which is a violation of the FCRA and subject to further legal action. In the comment section it's noted the account has been disputed but reporting incorrect information.
Consumer complaint received 2022-08-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NY)

So Ive explained my financial situation multiple times. Its an issue Id like to resolve as soon as possible, but wont be able to resolve until XXXX. Ive explained this multiple times, they say theyre making a note of it, but the last time they said, You understand we have the right to keep calling you, right? 

Im all for resolving issues and rebuilding my credit, but it feels like theyre not listening to what Im saying and think that pestering me will make me come up with the money sooner, which it wont.

It feels like everything I said goes in one ear and out the other and the next person calls and the whole process starts over. 

Its annoying, intrusive and unwanted.
Consumer complaint received 2021-11-05
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. (NJ)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

2 months ago I filed a fraud complaint with American Express. Someone charged over {$3000.00} on my card ordering something from XXXX. To this day, neither American Express nor XXXX will disclose any information about this fraudulent charge. Basically claiming that they need to protect the criminals. 

My identity has been stolen and it only makes sense to get information to me so that the detective involved in this case can see if this is associated. American Express REFUSES to help me Thus they are part of the problem in letting criminals go free and leave me vaunerable to more fraud. This is so unfair and it almost seems like American Express is trying to cover something up. 

I asked for a phone number where the detective on the case could call to get involved, and they refused to provide any information. 

Clearly American Express has issues with XXXX. It's easier to just refund for fraudulent charges rather than actually try to find answers as to who is committing the crime. 

I starting using American Express assuming they might give me better service than Visa or Mastercard. Clearly I was wrong.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 2022-08-19
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: Bread Financial Holdings, Inc. (PA)

The credit reporting agency, XXXX, will not properly and independently investigate my factual disputes. Without providing me with any proof, XXXX returns my disputes as updated and verified, even though information is inaccurate, incomplete, or missing. 

XXXX continues to ignore my legal requests for investigations into inaccurate reporting of the following accounts. 

1. XXXX XXXX XXXX XXXX XXXX XXXX  : Remove this account, for inaccuracy because you are reporting a balance when there is no balance. The account is paid. Previous reports show a XXXX balance. You can not add a balance on a paid and closed account. I demand that this account be deleted immediately. 

2. XXXX XXXX XXXX XXXX  : Delete for inaccuracy because you can not report an account for me with no payment history as accurate. 

3. Comenity Bank/Express XXXX XXXX XXXX : Delete this account for inaccuracy, because you can not report an account for me with no payment history. 

4. XXXX XXXX XXXX XXXX XXXX XXXX : Delete for inaccuracy, because actual payment amount is missing.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Back in XXXX I began a modification process on my mortgage due to loss of income. I was given a trial period to pay a new amount. Once my trial began I made all of my monthly mortgage payments On Time. I have not missed a single payment. My mortgage company, XXXX, was awful. I had to constantly resubmit paperwork that they lost and they sent incorrect documents that I had to get notarized to finally approve the modification Eight times. My name was wrong, my county information was incorrect, they had a former resident on the paperwork, they spelled my name wrong after they corrected it. The entire process lasted from XXXX until XXXX. It took two years to finalize my modification. I spoke to managers, got personal promises and sincere apologies for their mistakes and the length of the process. When I was told it was completed after two years, they told me that theyd update my payment status. The entire time I was going through this modification, I made all my payments on time. They have never changed my payment status. As of now, they still report that I missed two years of mortgage payments. In reality they were collecting my payments and applying them to my modification but not reporting them as on-time payments. I have called and spoken to managers, they have given me their personal assurance they would fix the status and it never happened. I was told to submit a credit report dispute through their website- I did that twice. I have also disputed this through the credit reporting app XXXX XXXX, three times. This incorrect payment history has ruined my credit and reflects that I neglected to pay my mortgage for two years. This is not accurate and has prevented me from taking out home equity loans, etc. I have pursued every avenue to have this horrible company correct my account.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NJ)

This is a general complaint. Experien has been advertising a product called Experan Boost. The advertising implicitly states by showing actors who claim they boosted their credit score between 16 and 46 points when they joined Experian Boost. 

If as the advertising claims, any one who pays money to purchase this product would automatically Boost their credit score, then the entire Credit score is fake and a shakedown to get consumers to purchase a product to boost their score. 

I joined a free trial and saw my score go up, when I did not renew, my score plummeted more than it had gone up. There were no other attenuating circumstances, in fact I have been lowering my debt and credit usage the entire time.
Consumer complaint received 2021-02-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

XX/XX/XXXX I had a long phone call with a customer service representative about my " new '' monthly payments. I informed the customer service lady that I was unable to pay the extreme amount of {$400.00} on my monthly loan. The customer service lady told me I had no other choice but to pay that. She told me that, that was the " current '' lowest monthly payment. However, I've been paying on my school loan since XXXX and the payment was {$220.00} a month. I currently have five loans to pay for. I have been paying for them on time. But someone once I finished paying one loan since it was a tiny loan, my monthly payments go up to {$400.00}. I have repeated asked them if I can lower the payments because I can not afford anything else besides these loans. I thought they were going to help me figure out a better solution to pay for them, like a payment that I can afford. Till this day my payments have gone up to {$460.00}. I have no where else to turn too. This is extremely hard to not be able to afford food because Sallie Mae will not lower my monthly payments.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (CA)

I got a loan with UpStart, it was for 3 years. I paid regularly and paid the loan off 2 years earlier at the end of XXXX. They reported in XXXX as required by law to all 3 bureaus, so I missed the cut off. So XX/XX/XXXX comes around and it's still not reported to the credit bureaus. At that time, I submitted a dispute to all 3 credit bureas after the land was paid off. All three came back, saying that the loan amount listed was valid. I've now called Upstart 6 times, speaking to a supervisor three times. On my last interaction, he could said that they didn't report it as required by law on XX/XX/XXXX. So as of XX/XX/XXXX, nothing was reported to any of my credit bureas. Bascially, no explanation why. I've reached out to my attorney regarding this and I have rights as a consumer and they have broken the law. The reason I was trying to get this resolved was I was applying for a mortgage and this still showed up on my credit report. I was denied the mortgage after of weeks of trying to get this resolved. Now, I want to sue for fraud, breaking the law, and damages.
Consumer complaint received 2022-09-27
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-23
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. (AZ)

The following accounts are not mine, and these are fraudulent transactions of identity theft. 

1. XXXX XXXX XXXX  original creditor - XXXX XXXX- {$360.00} Date XX/XX/ 2. XXXX XXXX XXXX original creditor XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Amount - {$6500.00} Date - XX/XX/ 3. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Amount - {$690.00} Date - XX/XX/ 4. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Amount - {$1300.00} Date - XX/XX/XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

My American Express Business Platinum Card was cancelled today, XX/XX/2022 by American Express. I pay my card on time and in full each month. My credit score is above 800. American Express justifies the closure based on a dispute I had with a merchant ( XXXX ) that was done on another account. That dispute ended in my favor. American Express charged me {$690.00} for 12 months of service ( aka annual fee ) on XX/XX/2022. They have not fulfilled their 12 months of service by cancelling this card, however they refuse to refund the annual fee. I have called American Express and tried to resolve this, and was transferred over seven times. Again, they have not refunded the fee. In compliance with State Law, I am requesting that the {$690.00} annual fee be refunded for services not rendered.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have numerous inquiries on my credit report that I do not recognize and have not authorized these companies to pull my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  see XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX have written XXXX, TransUnion, and XXXX numerous time to have them remove and they have not done so. They are violating my rights as a consumer by promoting identity fraud and in accordance with the Fair Credit Reporting Act, has violated my federally protected consumer rights to privacy. 
15 U.S.C 1681 Section 604 A section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions and I have not done so.