davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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. (NC)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 XXXX XXXX XXXX which antedates the report by more than XXXX 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The fraudulent entries on my consumer report remain despite multiple disputes. These unauthorized items are the result of documented identity theft and were never authorized by me. Your continued reporting of this information violates federal consumer protection laws.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Back in 2014 I was robbed and beaten by 2 men. I was rushed to the hospital and it was determined my XXXX was XXXX. Dr. XXXX XXXX ( XXXX ) did the XXXX. While there I was advised of medicaid. And the next day I signed paper work for a Nevada Medicaid card. When I got my card the Dr. Office was notified the lady told me everything was good. 2 years later I found out it was reported on my credit. And sold to a collection agency 3rd party XXXX XXXX. I found out that the Dr. Office never filed my claimed with Nevada Medicaid and it was too late for them to file. This is not my fault because I was covered under Medicaid. The Dr. Office failed to file my claim within a timely filing period which was their mistake. Please remove immediately from my credit report.
Consumer complaint received 2023-06-12
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. (SC)

I have been having an on-going issue with Transunion for the past year. The company has been reporting 2 separate ( negative ) accounts on my credit file that are both in error and completely incorrect. Both accounts are for the same company XXXX XXXX XXXX XXXX. Both accounts are for the same exact thing and everything from the amounts, the " date open '', to the status etc are all incorrect and in error. I have reached out to Transunion a total of 3 times, disputing both accounts and have not received anything back aside from an updated letter stating " The information you disputed has been verified as accurate. '' The last two disputes were sent certified mail which I have proof and still no resolution. I am requesting these inaccurate/incorrect accounts be removed from my credit file as soon as possible. Please assist me with this issue and I will provide any and all documentation that I have to get this issue resolved.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NY)

I funded my savings accounts on three separate occasions to my Ally bank account The first was on XX/XX/XXXX in the amount of {$60.00} The second one was on XX/XX/XXXX in the amount of {$110.00} the third was on XX/XX/XXXX in the amount of {$50.00} Once the funds were received, I allocated them to my savings buckets within my Ally Savings account. The money was available until I started to receive a message that read something to the effect of buckets unavailable, please try again later. 

I then called Ally on XXXX and spent a good amount of time on the phone with their rep who was not very helpful and requested screenshots of the transactions, which I sent over and they said it would be escalated. I called the bank again on XXXX and was told that there was nothing they could tell me other than a tech team was working on it. It is now XX/XX/XXXX and I have had no word back from the bank and I am still out {$220.00}. I have transaction logs of the money being deposited and allocated to my savings buckets. I have researched and it seems that other people have been having the same issue, so who have been waiting 5 months and still no response.
Consumer complaint received 2023-06-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2023, received a letter in the mail that I was turned down for a credit card for XXXX XXXX XXXX XXXX, issued by XXXX XXXX XXXX XXXX out of XXXX, XXXX. I never applied for nor wanted such a credit card. Today, I was on the phone with Transunion XXXX XXXX, wanting this problem resolved. 
I wasted approximately an half hour with them. 

Their solution was to XXXX XXXX XXXX XXXX XXXX, I was given three ( 3 ) phone numbers, one was to their Fraud Department, called it twice, no one picked up the phone.

I want this resolved, I suspect I am a victim of Identity Thief, or Fraud of some sort. 
As stated I never applied for this credit card for any reason.
Consumer complaint received 2023-06-12
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)

My information was included in the XXXX, XXXX, and Experian data breaches which caused my personal information to end up in the wrong hands. I notice some inaccurate and incomplete accounts on my credit report that I were unauthorized that I need removed immediately. I know that information on your credit report needs to be accurate, but the accounts listed on my reports are not accurate at all. I also sent letters to Experian, XXXX, and XXXX more than 30 days ago and the disregarded my disputes and kept reporting false, incomplete and inaccurate accounts. this is hurting my reputation with the banking system and hurting my chances at getting approved for a home loan. I need all inaccurate accounts and inquiries removed now
Consumer complaint received 2024-08-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

Shellpoint XXXX  and its associated nightmare customer service center in XXXX, AZ has made repeated errors in my HELOC interest and payment calculations since my newly acquired XXXX was transferred to them in mid XX/XX/XXXX. After numerous errors in calculating my interest and my monthly payments, I decided that I would rather pay off my entire balance. Their website accepted my " additional principal '' payment on XX/XX/XXXX for {$5000.00} and withdrew those funds from my bank account on XX/XX/XXXX. As of XX/XX/XXXX, Shellpoint have yet to post my payment and will not answer why the continue to hold my payment hostage and allow my HELOC to continue accruing interest. I called to complain with their customer service representative on XX/XX/XXXX and I was told that the money was sitting in " unapplied '' status but they would " apply '' it as of XX/XX/XXXX. Meanwhile I was still required to make my payment through XX/XX/XXXX for {$100.00} for the accrued interest. The accrued interest would have never occurred had they applied my payment to begin with after they debited my account on XX/XX/XXXX. 

On XX/XX/XXXX I contacted Shellpoint XXXX at its XXXX, AZ call center again and was told by XXXX that " they he didn't know why it hadn't been applied. '' I demanded to speak to his manager and was told that the manager- XXXX XXXX, was " busy '' and would call me back on the same day. Additionally, I was told by customer service representative XXXX XXXX ) that he had " elevated the matter '' but that they had no idea why the money they withdrew from my account had not been applied. 

I never received a call from the manager- XXXX XXXX, and {$5000.00} of my money remains stolen by Shellpoint XXXX. They have stolen my funds and refuse to apply those funds to my principal balance. Meanwhile they continue to charge me interest on an outstanding balance of {$4700.00} that should have been paid off when my account was debited on XX/XX/XXXX.
Consumer complaint received 2023-06-12
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. (HI)

I have a few accounts thats showing in my soft credit report when it was pulled and it is showing that it is open. But wen I called all 3 credit bureau they said its showing on there end as closed and or charged off in full. Im requesting to get my report cleared and off my credit report so I can get ahead in life and make a future. I contacted the company but no responses. Im requesting to clear all open accounts thats suppose to be closed cleared and off my credit report. I will attach attach credit report.
Consumer complaint received 2023-06-12
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. (CA)

My information was included in the Equifax, XXXX, and XXXX data breaches which caused my personal information to end up in the wrong hands. I notice some inaccurate and incomplete accounts on my credit report that I were unauthorized that I need removed immediately. I know that information on your credit report needs to be accurate, but the accounts listed on my reports are not accurate at all. I also sent letters to XXXX, Equifax, and XXXX more than 30 days ago and the disregarded my disputes and kept reporting false, incomplete and inaccurate accounts. this is hurting my reputation with the banking system and hurting my chances at getting approved for a home loan. I need all inaccurate accounts and inquiries removed now
Consumer complaint received 2023-06-12
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. (SC)

The following inquiry is fraudulent according to 15 U.S. Code 1681n : XXXX XXXX XX/XX/2023
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2019-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

My previous mortgage ( XXXX ) was purchased and transferred to another mortgage company, Freedom Mortgage ( FM ), on XX/XX/XXXX. Their lousy payment process had lost my payment last year. Again, at beginning of this year ( XX/XX/XXXX ), they just added late fee {$86.00} to my account ( XXXX ) without any proof of latency. My bank ( XXXX ) has been set up recurring payment scheduled XXXX day of each month and leave more than half month before due date. However, their payment process delayed to clear my check until almost the end of month. I have my bank payment recurring payment with mortgage for more than ten years and never has latency issue with XXXX. The bad experience just happens as I complained to CFPB last year. FM not only has less effective payment process, but no help and useless customer service personnel they have. I asked my bank to send a good faith letter to prove the sending date of payment and no response from FM. 
I can provide my more details of bank account, regular payment, and their messed mortgage statements as evidence. Thank you for help
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (FL)

I made an insurance claim on damages to my home from a storm. I received a check for {$10000.00} from XXXX XXXX. XXXX banks with XXXX XXXX The check was made out to me ( XXXX XXXX XXXX, but was to be endorsed by me, my mortgage company ( XXXXXXXX XXXX ), and my private adjuster. I never got the check in my mailbox and it was lost in the mail I assume. I later found out that my check was cashed with a BMO Harris bank in XXXX XXXX Florida. I never have banked or have I done any business with BMO Harris Bank in the past. I responded to the bank and talked to a bank manager. The check was not endorsed by required parties, but was cashed. I never authorized this and received no funds. I reported this with a fraud affidavit with XXXX XXXX. BMO Harris bank is not responding to my insurance company or XXXX XXXX. I dont know who got my funds, but I do believe they cashed the check because the party had a BMO Harris checking account. The check was fraudulently cashed in early XXXX of 2023. I made a formal complaint to all parties in XXXX. I have sent numerous emails, spent hours on hold with BMO Harris fraud department and have gotten nothing.
Consumer complaint received 2023-06-12
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. (NY)

I sent a formal complaint on XX/XX/XXXX stating that XXXX and Experian are in violation of FCRA 15 U.S.C 1681s-2 : 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. 

The following account is inaccurate, having reported different dates of last activity and different high credit/balance amounts across all three credit bureaus. Fortunately, XXXX and XXXX did accurately fix my account after my initial inquiry, however Experian still has yet to do so. 

Creditor : XXXX Account # XXXX Additionally, they are in violation of 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) which states income is not to be reported on a consumer report. XXXX has already written off the debt to the IRS, therefore it should not be reported to any credit bureau, as it has been reported as a loss on their end and ordinary income on mine. If this account is not removed from my credit report immediately I will report XXXX to the IRS for XXXX XXXX.
Consumer complaint received 2020-07-22
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. (TX)

XXXX equifax and XXXX reporting wrong address that not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY 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 2023-06-12
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. (NV)

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.

The letters are stated with items and issues.

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 2023-06-12
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. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-13
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. (TN)

XXXX  of XXXX, all three credit bureaus were notified of an account that came from a collection agency that bought a debt in my name from a rental company. The rental company leasing office burnt down which caused files to get mixed up. The state of Tennessee paid that company with XXXX  funding on my behalf. Before I moved. I also informed them that was not supposed to be on my credit. They also told that they were in violation of 15 USC 1681. I contacted all three bureau via phone and mail, still no resolution.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (KY)

Citizensbank. Opened an online account and deposited {$510.00} on XX/XX/XXXX. After several days, was unable to log into the online account. Called Citizensbank and was transferred to tech support, which took an hour to answer. At this point, I was told the account was closed and that I would be receiving a check for the initial {$510.00} deposit within 10 business days. After 10 business days had passed on XX/XX/XXXX, I still had not received the check. At this point, I called and was told the account was not closed but that the bank had chosen not to continue business with me but provided no reason. I was told once again a check would most likely be coming. I was given no specifics on when that check would arrive or tracking information or anything. I was then told I would again not be able to get online access to simply withdraw my own money.
Consumer complaint received 2023-06-12
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)

American Express American Express Assurance Company I purchased a product from Amex on XX/XX/23 for {$350.00} and did not receive the product. I have contacted them six times on XX/XX/23 and spoke to at least eight people ( representatives ) and they can not and will not help me. I contacted them via phone and the " chat '' feature online when logged into one of my accounts. I believe there is Fraudulent Advertising in their products/services which should be investigated. Because American Express owns the subsidiary company they are closing the door on my request for either the benefit or a refund. My only recourse is to close my two accounts and cease doing business with American Express after being a cardholder for over 20 years. I do not have words to describe my disappointment and frustration with American Express. I would appreciate any assistance your organization can provide. Thank you.
Consumer complaint received 2023-06-12
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 (VA)

Company : American Express Amount : XXXX Dates : Returned payments started around XXXX XXXX. I have statments. 

Description : Amex made changes and refunded already made payments for months back without my authorization. They did not notify, ask or in any way contact me and then refused to accnolidge or help when I repeteadly, since the charges occured, contacted them. 

They say I made charges of over XXXX} in XXXX month however that is not true as I never buy for more then I have in my account. 
The account payed with is my husband ( soon to be XXXX ) whom, without my knowledge cancled the card. I am the one who owns the card. He is the XXXX who authorized connection with his bank. 
He then managed to cancel my card AND got amex to refund the payments for months back to his account without me.