davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-20
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXXL 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-11-17
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. (NJ)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct theses suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The : following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, we rented a XXXX in XXXX and paid cash for the day rental. My Chase Card was held for any incidentals.What we hoped to be a day of fun turned into a nightmare on vacation. We were provided with a rusted XXXX with low air in the tires and bad brakes. This company scammed us out of {$4000.00} after we returned the XXXX claiming countless items of damage. 

1 ) Yes, we signed the agreement, however the agreement stated that we have reviewed the price list. No price list was provided and when we asked about it, they said they don't even have a price list. 
2 ) The XXXX was rusted through - shown in the photos. This rust can't and isn't caused by us. The damaged cage was already rusted and broken by the time we received it. 
3 ) The XXXX team sent a bodyguard to force us to sign the {$4000.00} credit card slip. In a XXXX  XXXX  we determined it was safer to sign then to involve the police. We figured Chase would take care of us in these situations. 

The company ignored our requests for pictures/videos/receipts of the damage after we were told they were going to send it. A picture of the text messages is attached. The cherry on top is we overpaid in cash and I was told they were going to give us cash, they took our {$20.00} cash too. 

-- My complaint to chase is the dispute was closed without our side. The contract stated we reviewed the price list but not only were we not provided with it, the charges indicated are predatory. Some help here with a credit card company that I've depended on for years would be helpful.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

On their advertisement, which said If I open a saving account and consecutively for 3 months to deposit for XXXX dollars, then I may get XXXX dollars bonus. 

After I did that, I was told that on the backside of the advertisement, there are some small tiny words and tables, which said I have to keep the money in the account for XXXX month. Not easy to everyone to pay attention on the backside. because you may see that advertisement was very clear with big word as their advertisement. Now they are playing dirty game with customer. Very annoying, Actually before that, I called them and made very clear. A phone representative has confirmed with me about the condition for awarding bonus. The representative never mentioned the extra condition at all. 

They are like a scammer...
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION (FL)

I have been doing business with SunTrust for roughly 14 years. After converting to Truist I started having problems. Most recent, I wrote a check to myself from another account, which I have been doing ever since mobile banking has been allowed. I live in a rural area and a branch is more than an hour away, so this is how I move cash or other money. I've probably done this 100+ times. I had funds not be paid at my other bank, which returned the check. I went the next day and put cash in the Truist account to cover the mishap. Several weeks later, I couldn't access my account online and couldn't see my husband 's payroll check deposit. I contacted Truist on XX/XX/XXXX and they claim it set off a fraud alert so they blocked all incoming and outgoing transactions and that the payroll deposit would be sent back. We waited for 7 days working with the sender with no notifications from Truist. I started calling Truist again on XX/XX/XXXX. Each day it was a different story. They said they did credit the account with my husband 's check, paid an outstanding balance of around {$600.00} and I had a balance of XXXX XXXXXXXX. I told them we couldn't go without the paycheck, they created a mess with bills I scheduled to pay and that I needed to pay my electric bill. Each day I've called and they state they will call back or that they will get the block off, but no response thus far. Now they're stating that due do old accounts, they haven't released funds. We need our paycheck and the problem resolved, but can't get any assistance from Truist after 6+ calls to them.
Consumer complaint received 2024-08-29
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. (CA)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me XXXX XXXX.
Consumer complaint received 2024-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-11-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

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, 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 man 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 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XXXX paid XXXX in full for removal. XXXX has removed it XXXX has removed equifax has not it has been disputed many of many times in 2022. Equifax has not looked into dispute because it would have been removed
Consumer complaint received 2017-07-02
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: Continental Finance Company, LLC (TX)

On several different occasions such as XXXX XXXX2017, XXXX XXXX, 2017, and also XXXX XXXX2017 contacting these companies and bureaus trying to delete these inquiries and they sent letters back saying that these inquiries are accurate and true. That is a lie these inquiries are in fact made by someone else.
Consumer complaint received 2022-11-17
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account that need to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX / XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2022-11-19
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. (WI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-07-01
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: AMERICAN EXPRESS COMPANY (GA)

AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Account number XXXX Date opened : XX/XX/XXXX AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Paid, Closed. <P/>AMEX has reported negatively on all four credit bureaus preventing me from obtaining any credit, since I filed a complaint against them with CFPB in XX/XX/XXXX. AMEX has already reported my {$0.00} balance on both accounts earlier this year, but never with a negative remark until now, as if my two accounts were active. XXXX, XXXX XXXX, and XXXX XXXX have confirmed they would not give me credit due to AMEX 's negative notes. I have their telephone numbers and they can confirm my statement is true.

<P/>
AMEX has reported to all four credit bureaus that I failed to pay them as of XX/XX/XXXX. It appears they are trying to keep these two, 15 year old charge offs as a current, surpassing the 7 year limit according to the FRCA by any illegal means possible. <P/>Both accounts have been closed and delinquent since XX/XX/XXXX, but they have reported this differently on my credit file, so they can have an affect on my credit surpassing 15+ years. <P/>The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. prepared by the Federal Trade Commission : this is the law that gives you access to your credit file, allows you to dispute errors on your credit report ( s ), and limits the reporting of negative information to 7 years ( 10 years if were talking bankruptcy more info here. ) AMEX has broken the FCRA! Please have them remove these two delinquent charges off from all four credit bureaus ( XXXX, XXXX, XXXX, and XXXX ). <P/>Please have AMEX remove both accounts off all four credit bureaus and send me a letter as conformation. <P/>Enclosed in my previous credit report from XX/XX/XXXX to XX/XX/XXXX, and please review the difference their recent negative notation reported on XX/XX/XXXX -- on all four credit bureaus. <P/>Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-08
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. (GA)

I sent a dispute letter to the consumer reporting agency on XX/XX/2022. 
Regarding a few inaccurate marks on my report. They are reporting late payments and also a charge-off and according to Federal Law : 15 USC 1681 a ( i ) which states that consumer reports should NOT include transactions or experiences between the consumer and the person making the report I explained this in my dispute and the violation was not corrected. 

This account has also been charged off and according to IRS publication, 4681 charge-offs are considered income and income shouldn't be reported on your credit report. 

I would like for this account to be removed from my report immediately.
Consumer complaint received 2022-11-07
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: CREDIT ACCEPTANCE CORPORATION (NJ)

In accordance with the fair credit Reporting act XXXX XXXX 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit card plan as late for any purpose.
Consumer complaint received 2022-11-18
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. (PA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the transactions listed in the attached letter. I am requesting this information be blocked and deleted. My request to block and delete is not in error, nor is it made on the basis of a material representation of fact by me relevant to the request to block the identified transactions.
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (MD)

Received a collection notice from Eastern Account System Inc. stating that I owed {$1700.00}. to XXXX XXXX XXXX XXXX XXXX XXXX. They did not send me an actual bill. I wrote them a certified letter that rquested to see the actual bill, since I was never sent this bill from XXXX and had never seen this bill or received notice of it. They sent me a generic bill with no info other than an account number and the amount of {$1700.00} written on it. I refuted this piece of paper, since it was not an actual bill. Then I got in touch with XXXX billing by certified letter and they refused to send me the original bill, even though they could clearly read it on their computer. In the interim, I was able to locate the actual bill on my computer, which stated that I, in fact did not owe the {$1700.00}! I contacted the Public Service Commission, who started an investigation. I was called back by XXXX, who stated that they were willing to help. I sent them the original bill via email. They called me back and told me that " they were pulling the bill. '' I have a voicemail that I saved from them stating this. The woman I spoke to was XXXX, her phone # XXXX. I was told that she was " senior staff ''. I sent all this info to Eastern Acct system, along with the original bill that stated that the {$1700.00} was not owed, then I wrote disputes to all credit reporting agencies, including all pertinent info attached. My dispute was not resolved by Eastern Acct System, and they reconfirmed the debt on my credit to XXXX. My efforts at speaking to Eastern Acct system, were totally fruitless, everyone that I spoke to refused to acknowledge what I was saying to them, and when I asked to send proof that I did not owe the debt, they hung up on me. The facts are as follows : I do not owe {$1700.00} to XXXX, I have NEVER received a bill from XXXX for {$1700.00} from XXXX, then this collection agency calls me and tells me that I owe that amount, and puts it on my credit. I called XXXX at XXXX today, who told me that she could no longer speak to me, and that she did " pull the bill. '' I possess the actual bill that states that I do not owe this amount. XXXX will not acknowledge my proof, and refuses to remove this from my credit
Consumer complaint received 2022-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NJ)

My mortgage is supposed to be on a bi-weekly payment program. My payments should be credited to my monthly principal balance on a bi-weekly basis as payments are received. Cardinal Fianacial is holding my bi-weekly payments in suspense and crediting my account on a monthly basis. This is NOT a bi-weekly payment program. They are charging me interest on my old principal balance and adjusting my principal balance on a monthly basis instead of a bi-weekly basis. This is theft! I have had bi-weekly mortgages with other financial institutions, and they all credit my principal balance on a bi- weekly basis and charged me interest on my adjusted balance.