davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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)

I recently received a copy of my Experian consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX Account # : XXXX Dates Of Late Payments : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) 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 to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; UPDATE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT TO ( CHANGE AS AGREED ) or ( OK ), this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending 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 : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-05-22
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. (TX)

Hello. I sent letters to all 3 credit bureaus on XX/XX/2023. I asked them per the FCRA 609 clause to provide physical evidence of the accounts in question and also I provided proof of my address and asked the other incorrect addresses to be removed.I have yet to receive anything and the XXXX will be 30 days.
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas) (RI)

I was recently made aware that XXXX XXXX was attempting to collect a debt on a previous account. At the time of closing my account with XXXX XXXX, I was made aware from the customer service representatives that the amount was incorrectly stated that was owed. That representative at the time said she will escalate the issue and have a supervisor look into the issue and a member from management would be in contact. I did receive a call shortly after from a XXXX named XXXX, who had explained that there unfortunately was an issue within their system and the issue will be correctly rectified to the amount owed of {$210.00}, at which time you can make your final payment when you return the equipment in XXXX of the local support centers. I waited XXXX business days as XXXX explained and then brought my equipment to be returned at the local support center in XXXX XXXX, RI. At that time I was told the amount was still incorrect, but they will accept all of the equipment now. The management of the support center has also explained the amount owed was incorrect and we will get this rectified as soon as possible. The amount was never correctly rectified and I have now received a correspondence from XXXX XXXX that a debt collection company, XXXX XXXX XXXX XXXX will be contacting me in the future for the amount owed ( which is incorrect ). This is one of the many reasons I terminated my relationship with XXXX XXXX, as the customer service is unacceptable. I want to pay the correct amount of {$210.00} and have my account closed permanently and in good standing. I closed the account and terminated the service, the company did not. I am more than willing to pay the correct amount owed and do not feel this should have been handed over to a debt collection company given what has occurred. The communication within the internal teams of this organization are horrendous.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 'm having a difficult time understanding how I can send physical proof that they are reporting these accounts inaccurately and illegally and nothing is done. I am also making complaints with the attorney general because this is absolute willful negligence on their behalf. I do n't care that they have to do 10 disputes an hour ; that 's NOT my problem. They are required to do a full investigation and they do not even have the information in their files so because I am sending the proof that they are in violation, these items must be removed immediately. Refer to my credit report to see the way they are reporting this : The date " XXXX/XXXX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct You do not have the court listed correct : You MUST have the city and the state listed There 's no liability amount listed You must accurately and completely list " bankruptcy '' and you have it abbreviated
Consumer complaint received 2023-05-22
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)

I have disputed inaccurate information on my credit report numerous times with XXXXThis goes all the way back to XX/XX/XXXX. XXXX XXXX XXXX XXXX. ( 2 ) XXXX accounts. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  are all still on my credit report and are reporting inaccurate information. They sent me a letter stating the accounts have been verified and updated. But how? If the information is not matching up. I would like to know how was the information verified and if it was indeed verified. These accounts need to be removed and deleted from my consumer report immediately due to XXXX have violated my rights. A consumer report has to be 100 % accurate across the board. Meaning with a 3 credit bureau
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family.
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (VA)

This company is attempting to collect a debt I do not owe, I do n't know who they are and why they are attempting to collect from XXXX whom I do not owe. Apparently theirs an account that has been sold off in my name which I already have fraud alerts placed on all bureaus and XXXX etc.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Accounts name : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX  XXXX {$910.00} XX/XX/XXXX XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX  XXXX. 
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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-24
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. (AR)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2015-08-18
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

We were ignorant enough in 2007 to take a XXXX mortgage with HFC bank. We had had some medical and other financial issues, and they sold us on refinancing through them. In retrospect, it was a very bad move. They came in and appraised our house at XXXX. We signed a mortgage at 10.5 %, as they told us our house would increase in value and we could refinance at a lower rate. Well, the bottom dropped out of the market, and we are still stuck with an underwater mortgage at this usurious rate. We can not refinance because the market has not come back. We owe {$250000.00}, but that is more than our house is worth. HFC will not allow us to refinance at a lower rate, even though the prime rate has been very, very low. I am wondering if there is a way to refinance this loan at a lower interest rate.
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (FL)

I was a real estate agent with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX during the period XX/XX/XXXX-XX/XX/XXXX. 
When I disassociated myself from the brokerage, my online account had fees assessed to XX/XX/XXXX. However the final bill they send changed the dates to the last date of XXXX/XXXX/2016. I asked that my fees get prorated to the day that I left because I was being asked to pay for a Legal Assistance Program of {$420.00} for a year plus some additional fees. The Legal Assistance Program is a program that protects agents legally if any lawsuits would arise during closing of real estate contracts. 
I asked XXXX if I paid for the program, if I would have access to it. I was told NO because I was no longer affiliated with the company. I then said that I do n't think that I should pay for a program that I will not use or have access to. I was then advised they would send it to collections and it would affect my credit. I sent XXXX a pro-rated check of {$130.00} and XXXX rejected the check and sent it back to me and sent the demand for payment to collections. I have received several collection calls from XXXX. 
I find this more than predatory. It is unconscionable to demand payment for a service I have never used or even have access to if I pay for it. I hope you can investigate and advise accordingly.
Consumer complaint received 2023-05-24
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. (FL)

EXPERIAN AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. BELOW ARE THE ACCOUNTS AND INQUIRIES " XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX WA, XXXX. Date opened : XXXX. Balance : {$8900.00} Inquiries : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX, XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX ''
Consumer complaint received 2023-05-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (NC)

I tried to make a transfer from my Marcus account to another bank that was offering a higher APY. Marcus locked my account when I initiated this transfer. I called to find out the issue and kept being hung up on. I finally spoke to a supervisor, and they said they would send me an affidavit to verify my identity. I received the affidavit two weeks later and got it notarized virtually using an app called XXXX that charged {$25.00} for a virtual service. I could not physically make it into a store to notarize because my husband works and uses the car, plus I have XXXX babies to take care of. After I got the affidavit notarized, I paid {$30.00} for certified mail so they could receive it the next day. My tracking receipt shows they received the form on XX/XX/2023. 
When I called to confirm, they said it was under review and would take seven business days to review. I called back on XX/XX/2023, and was on hold for three hours. Then the representative said it was notarized by someone in Texas and needed to be done in North Carolina, where I reside. I told her I paid {$25.00} for a virtual video service to get this done. Hence, people work from virtually anywhere to help get documents notarized asap if they can not physically make it to a location. She said they would be sending out another form so it could be done in NC. I then asked to close my account. After all, I am no longer interested in banking with a bank holding my money hostage for over a month, all because I wanted to transfer some of my funds. She said she would send a code to the phone number I have on file to close the account. The code never came, and she asked if I had an alternate number. I told her I only use one number on my account and have not had issues using this number in the past for my account. She put me on hold for another hour and said my account was in review to be closed, but I will need to call back for updates. This has been the worst banking experience I have ever encountered, and I would like to close this account asap. They are holding onto my money and will not let me access or close my account.
Consumer complaint received 2024-11-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (WA)

Consumer Financial Protection Bureau Complaint Submission Re : Unresolved XXXX Transaction Reversal Dear CFPB, I am writing to file a complaint against US Bank regarding an unresolved XXXX transaction. 

On XX/XX/year>, I initiated a XXXX transaction in the amount of {$2000.00} to XXXX as XXXX with XXXX number XXXX. Subsequently, the recipient initiated a reversal of the transaction, resulting in the funds being deducted from my US Bank account without being returned. 

Despite multiple attempts to resolve this issue with US Bank, including filing a formal dispute, I have been unable to recover the funds. I have received confirmation from an unnamed individual at XXXX XXXX  that the funds were indeed deducted from the recipient 's account. 

I believe that US Bank has failed to adequately investigate this matter and take appropriate action to resolve the issue. 

I request that the CFPB investigate this matter and take appropriate action to compel US Bank to return the funds to my account. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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. (GA)

On *date letter was sent on the dispute* i sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later i have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person.
Consumer complaint received 2023-05-24
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. (MI)

I disputed this account information as being inaccurate, incomplete, and invalidated and each of the credit reporting agencies responded by stating they were able to verify or validate this debt. Tell me how is that possible if there is an automated system judging my disputes within seconds? No investigation was made, Under the laws of the FCRA, I have contacted the creditor myself, and they have provided proof stating that the accounts were not accurate at all as well as they were reporting incorrect information to the credit reporting agencies.. The original creditor or the Credit reporting agencies have still not corrected all the errors with this account. I have copies of my requests to the creditor, asking them to validate the debt with contracts. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Consumer complaint received 2016-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

There was not an applicable option to describe my issue. This is one of several complaints that I have against Portfolio. I always submit my complaints through the CFPB because this agency needs to be aware of this debt collectors tactics. Portfolio has responded several times to my complaints but they have not answered my single question. WHEN WAS THE DATE OF FIRST DELINQUENCY? Portfolio randomly picks dates and numbers to put on consumers credit reports without any regard for the FCRA. Enclosed is what Portfolio has put on my credit report. They have the date of first delinquency as XX/XX/2014 but the date opened is XX/XX/2014. I am not going away until my question is answered. If you cant answer it, you cant make up dates.