davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-14
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

I had a corporate credit card with American Express. My company decided to leave American Express and move their corporate account to XXXX, at the end of XX/XX/XXXX. I had a positive balance in my account, so I requested a refund, which I had to do through my company, as told to me by American Express. 3 months, XX/XX/XXXX, later I received a refund for around {$250.00}. The next month, XX/XX/XXXX, I get a statement for a bill say I owe exactly the amount of my refund. I call American Express, and I get told that there was a mistake made on their end, that the system shows XXXX checks were issued, and that they will simply cancel XXXX of them and everything is resolved. Next month I get a statement for the amount of the refund plus a late charge. I call again, they apologize and tell me everything is taken care of. They even assure me that it is, and that I wo n't be getting any more statements. Next month I get a statement, still owe the {$250.00}, plus a late charge, and now plus another late charge. I call again and get told it 's resolved, so sorry. Next month, another statement, and then another, and another, late charges added each time, the amount owed grows to {$500.00}. I call and try to get it resolved, but now they tell me the account is closed, been sent to a collection agency. Collections? For what? A mistake they made in their system as they have never sent any proof that XXXX checks were issued, and that XXXX checks were cashed, because that simply never happened. Now they send me a letter saying they will settle my account if I just pay the original {$250.00} plus a little, and not the whole {$500.00}, 14 months later. So I call them up, with the number provided, and they tell me they will open a dispute, but I say I want it resolved now, so I get to talk to the supervisor, who passes me along to card services, who sends me to corporate accounts, who sends me back to collections ( which appears to be in XXXX, not that that has anything to do with anything ). I wo n't hang up until I get to talk to the investigator in the dispute department, but they tell me they do n't have that number and they hang up on me. They have destroyed my credit rating, had collection agencies call me on a daily basis, at both my cell phone and office line, have passed me along to department and department. One time they even said the issue was with my company 's accounts payable department, and I should dispute it with them. I have never in my life been treated so poorly for a mistake not of my own doing.
Consumer complaint received 2016-07-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (TX)

First Financial Asset Management ( XXXX ) called me XXXX XXXX 2016 at XXXX Central time to collect on an alleged debt owed to XXXX Rental Car. I DO NOT OWE THAT DEBT! This concerned a car rental from the XXXX office in XXXX XXXX, CO at the airport XX/XX/XXXX-XX/XX/XXXX and was DISCHARGED BECAUSE THEY WERE ALREADY PAID THROUGH XXXX E-CERTIFICATES ( IN FACT, {$100.00} MORE THAN REQUIRED ). XXXX handled the dispute and credited my account since the e-certificates had paid for the rental.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion Credit Bureau is reporting employment information for me for companies/employers which I longer work for. Twelve years ago I temporarily worked for a company less than three months, this employer is still showing on my Trans Union credit report. I tried to dispute this matter with the Trans Union Credit Bureau several years ago and was not able to get a satisfactory response from them as to why they have that employer reported or get a date as to when it will be removed from my file. They also have another employer reported from 2009, which I no longer work for and I am uncertain on how to have the employer removed as Trans Union Credit Bureau is the only credit reporting agency that has employment information listed for me which also happens to be outdated. I have applied for credit in the past and have been asked about my current employment status and then asked about the companies listed on this report which then complicated my pursuit in applying for and securing credit and loans.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

In my most recent Experian Credit Report I viewed several accounts ( loans ) that I paid in full still reflecting as open. I requested Experian to send me my most updated Credit Report and as of today they have not complied with my request. If these accounts are not reflecting correctly on my Credit Report it is damaging my Credit Worthiness and Credit Score.
Consumer complaint received 2023-05-28
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Sir or Madam, I am writing to formally dispute several items on my credit report, as I am a victim of human trafficking. The accounts and inquiries listed below were opened or occurred without my knowledge, consent, or authorization while I was under the control of traffickers. I respectfully request that these items be removed from my credit report under the protections provided by the National Defense Authorization Act for Fiscal Year XXXX and the Fair Credit Reporting Act ( FCRA ). 
I am requesting that you block & permanently remove all information that is the result of this fraudulent activity and ensure that these items no longer negatively impact my credit report. I have enclosed the necessary supporting documentation, including proof of my victim status. 

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
Consumer complaint received 2023-05-28
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. (PA)

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : Fill in the accounts you want to be disputed, and be sure to add the account numbers with each account. 

XXXX XXXX XXXX XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-05-28
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. (WA)

I sent a certified letter explaining there are incorrect information on my credit report and would like it removed. I looked at my credit report and noticed the wrong addresses are still showing up. its addresses on m credit that I have never lived at. I am hoping all 3 credit Bureau EXPERIAN, XXXX, XXXX fix the problem and remove inaccurate information of my credit report immediately.
Consumer complaint received 2023-05-28
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. (TN)

I wrote a letter about false information on my credit report, and more than 60 days later, i still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. it is precisely stated in section 611 ( a ) that refusal to investigate these allegation within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and its feasible that it landed in the incorrect hands.
Consumer complaint received 2023-05-28
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-28
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

I have been trying to apply for a modification for over XXXX months. I ran in to some hard times with my job, but things were improving and I wanted to try to modify my mortgage and keep my home. My attorney 's office was helping me with this process and called on a weekly basis to make sure all documents needed were received and to follow the progress of the process. At XXXX point they were told I was all but approved, Seterus was just waiting for the figures of what my trial payments were going to be to come back from XXXX. It turns out the person at Seterus who was handling my file was no longer with the company so my file sat on her desk for a month or more after XXXX approval, so in their system it appeared that I never " accepted '' the modification offer so Seterus had to " resubmit '' my modification file. All of this took over XXXX months, and in the meantime my house was set to go up for foreclosure auction. This was a scary time for me, and I did n't know if I should call movers to get my belongings or wait for Seterus to work my file. The sale date ended up being put off at the last minute, literally the day before my house was supposed to sell. My file has since been resubmitted for modification review and approval. My attorney 's office is trying to get the figures that Seterus is using to see if I would be approved or denied and Seterus ca n't ( or wo n't ) provide that information. I will send in a copy of a letter they submitted to Seterus that will give you more details on how Seterus has failed at properly servicing me as a client. They have taken a process that they said should take XXXX days, and made it take more than XXXX months - and it still is n't resolved. I want to be able to keep my home, and am willing to discuss modification or repayment plans, but any time we call we only get people who are customer service rep types, and not anyone who can actually discuss anything further than reading notes from their system. I would like for myself or my attorney to actually be able to speak with someone who can assist with my account, and helping me get a modification so I can begin repaying my mortgage payments and keep my home. Please help me if you can.
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-07-29
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: MORTGAGE LENDERS OF AMERICA (PA)

after 1 month was told I needed to refi my loan at no cost to me. Then was told they would add the cost to my loan. then received inter office mail that the papers were not filled out properly to sell the loan. Then found out they sold the loan without us fixing the paperwork. Got different mortgage co. After almost 2 months still have not gotten my escrow moneys. I called and was told they sent it to the home I was renting before the home they issued a mortgage to. Nothing but lies
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public co

nfidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions
Consumer complaint received 2023-05-28
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-07-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On Sunday XXXX XXXX, 2016, I had made a reservation at a XXXX in XXXX, MA XXXX for which I had to prepay {$270.00} from my debit card associated with my mother and my joint account at Bank of America ending in ... XXXX. The reservation was for two nights- XX/XX/XXXX AND XX/XX/2016, and was reservation XXXX. When we arrived, we were met with a threatening man who told us we could only use the bedrooms and not the other listed amenities on the online advertisement which includes XXXX floor sitting area by fireplace, XXXX floor kitchen, XXXX season porch and deck with hot tub - all of these are available to guests as advertised on XXXX. We have sent a complaint and dispute to XXXX, to Bank of America and correspondence from the Merchant admits that these amenities are available to guests ; however the man at the house told us we COULD NOT USE THESE AMENITIES and must STAY in OUR ROOM. We FEARED FOR OUR SAFETY and did not want to venture out. WE NEVER SAW THE ADVERTISED HOST and COMPLAINED THAT WE DID NOT WANT TO STAY THERE BUT WERE TOLD " TOO BAD, YOU HAVE PAID AND YOU HAVE TO STAY HERE ''. WE HAD NO USE OF KITCHEN, ANY OUTDOOR AREA - nowhere but the rooms. WE PAID FOR USE OF THESE AMENITIES. XXXX XXXX HAS BEEN PROVIDED THIS COMPLAINT BUT WILL NOT RESPOND TO ME ON THIS.
Consumer complaint received 2023-05-28
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. (MA)

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Unfortunately, TransUnion has failed to respond to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : XXXX  XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$2000.00} ) The information indicated on the above account is imprecise. The stated balance of {$2000.00} is higher than my recollection. Additionally, the Past Due section incorrectly reflects an amount. I would like to inform you that this account is closed and charged-off. I intend to communicate with the creditor to clarify the reported data. Until the appropriate corrections are made, I kindly request TransUnion to mark this account as disputed. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} ) The above account is not mine, and I request TransUnion to remove the late payment associated with it.
Consumer complaint received 2016-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (FL)

I was contacted by the collections agency attempting to collect a debt that they never billed me for. I asked them to send me a bill and for simple validation of the debt by phone and by certified mail. Instead giving responding to my letter, the reported the debt shortly after, not allowing me the 30 day period in wich they were not to report the debt to the credit bureaus and I was never sent any form of validation till this day. This is the XXXX company trying to collect thid debt from me and neither of them were able to validate it but Diversified Consultants were the only ones who reported the XXXX debt that was claimed to me mines.
Consumer complaint received 2016-12-01
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Cottonwood Financial Ltd. (IL)

I took a payday loan out from the Cash Store back in 2014. I had to pay it off thru XXXX XXXX XXXX because I ran into financial problems. I pay {$1600.00} which paid it in full. Today I received a call from XXXX then the lady transferred me to XXXX XXXX at XXXX. He told me I owe {$940.00} on this bill. He said I was going to be served a summons and arrested for check fraud. I tried to explain that this was pif. I said I will fax over the proof and he said the fax machine was broken. He said that they checked my records and I have never had problems like this.