davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (ME)

I have had an ongoing struggle with American Express refusing to stop sending my mail to my grandmother 's address in Georgia. Previously, I filed a complaint here to which they responded that they had the right to contact me at any address that I had provided them with or that they reasonably believe I can be contacted at. After this, the case was closed as I had no way I could counter them. However, it has now been a year, and I have changed the address on my account and instructed them not to send any mail to my grandmother 's address as it is not associated with me, they can not contact me that way -- I am not even in the state -- and they do not have my or her permission to send mail to that address. That previous complaint was closed in XXXX of last year, XXXX. It is now XXXX of XXXX and they are still sending mail to my grandmother 's address in Georgia, while I am in Maine. I have contacted the collections agency in charge of my account and verified with them that my address is correctly stated on my account as my current Maine address. I also explained to them the problem, and they told me that there is no reason why American Express should be sending any mail to my grandmother 's address. 

I have looked through the statement that American Express included with the last complaint, as well as my contract with them. I can not find anywhere that states that they should be allowed to continue sending mail to an address not affiliated with me after I have made several attempts to change it. Moreover, the fact that the collections agency agreed that my address was stated correctly AND that they did not see any reason why American Express should be sending any mail regarding my account to an address that is not mine and not on my account is highly disturbing. American Express has continued to be aggressive, dismissive, and rude. They may have been able to use the contract to push the blame onto me last time, but I fully believe that this time they can not do so, as I have learned from our last interaction and have done my reading this time, using the last complaint 's correspondences to understand the situation and what my rights are. I will not stop fighting this until they stop sending my mail to an address that they have no right to be using. I have repeatedly told them that that address is not affiliated with me and can not be used as a way to contact me, I have updated the address on my account, and have discussed this with the collections agency and confirmed that there is no reason why American Express should be sending mail to that address. They MUST cease and desist immediately.
Consumer complaint received 2023-04-20
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. (CO)

Even though I have provided proof that an account ( XXXX  ) is open under my name due to fraudulent activity, Equifax has left it on the report. I have previously been impacted by increased rates costing my higher monthly premiums. Now I am getting rejected for what was previously pre-approved credit from companies ( see attached ).
Consumer complaint received 2023-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

We are good citizens and believe in paying what we owe. 

Like many Americans during Covid, we struggled with keeping up with bills and the mortgage. In XXXX, we took advantage of the federally supported mortgage relief program and deferred payments for a few months. The loan was extended for the deferred period with interest. 

In XXXX, we continued to suffer financially, and we accepted another Covid related deferment. From about XXXX, XXXX, we deferred ( did not pay ) our secondary mortgage. In XX/XX/XXXX, we began making payments again, as was our understanding. And we have continued each month through XX/XX/XXXX. According to Wells ' 'help ' program offical documents ( which is acutally a new mortage - BS ), we owe {$1300.00}. For the past several months ( check the recordings ), I have repeatly sought to pay this, and with interest. Instead, just today, I got yet another forclouse notice. 

In XX/XX/XXXX, I received a call from a Wells Fargo rep. He told me I needed to decided how to pay the deferment almost immediately, or Wells may go forward with foreclosure. I immediately protested ( this is recorded ). 

Wells Fargos intimidating tactics are clearly part of strategy. Its wrong. Id be happy and would welcome disclosure of all our conversations, despite my frustrated anger and times. 

I would never do business with Wells and have been telling everyone I know to avoid them.
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Report Act XXXX, Account:XXXX, Creditor : 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 an account without my written instructions.

This account is fraudulent account, I do not open any account with this company.
Consumer complaint received 2023-04-21
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (TX)

I have credit inquires on my credit report that I don't recognize and I never gave them authorization to run my credit multiple of times or don't recognize at all 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 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-11
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)

Transunion, XXXX XXXX XXXX NEVER perform a real Investigation. Therefore, I have commenced the process of litigation in the federal court system... .. ... Transunion , To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : XXXX XXXX XXXX  Credit cards {$530.00} acct # XXXX XXXX ) XXXX  XXXX {$63.00} XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} acct XXXX XXXX ) XXXX XXXX XXXX {$300.00} XXXX. 
. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute and request the removal of inaccurate names, addresses outdated entries associated with my credit report. 
My legal name is ( First Name ) XXXX XXXX ( Last Name ) XXXX XXXX, however, I have noticed that my credit report contains variations of my name that are not accurate. I request that my legal name be used consistently throughout my credit report, in order to ensure accuracy and avoid confusion. 
Additionally, I have moved to a new address more than 2 years ago and updated my information with all of my creditors. However, I have noticed that some of my previous addresses are still listed in my credit report. My current address is XXXX XXXX XXXX XXXX XXXX Tx. XXXX, and I request that this be reflected accurately in my credit report. 
Attaching Proof Social Security Number Proof of identification, DL Proof of Address
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

All inquires attachedd need to be delete It is violating my rights there is no account attached to these inquires also I did mot give written permission for to report anything to my file remove asap
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : 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 an account without my written instructions. 
I need this information to be verified, because I did not open any account with this creditor.
Consumer complaint received 2023-04-20
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. (DE)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2018-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (KY)

Minimum interest charge {$2.00}. 
A charge of {$2.00} was debited to my account on XX/XX/2018 and once again on XX/XX/2018 for a total of {$4.00}. I normally pay my balance in full but I was expecting interest to be charged in XXXX because I carried a {$52.00} balance. I requested an explanation about the charge through Secure Online Message and over the phone, but every single time the representatives were insisting in explaining the general rule of being charged interest on credit cards. Today, XX/XX/XXXX, I was able to have the second charge waived because I paid the last statement in full ( my balance on my current statement was ironically {$2.00} only, the amount of the charge ). According to them the charge was referring to an average daily balance of {$7.00} which was outstanding until they receive my payment for the {$52.00} on XX/XX/XXXX. When I, again, requested to see where the Minimum Interest Charge rule is actually written, nobody could direct me to a specific disclosure. Customer service stated they will escalate my complaint. I read  several articles online and apparently Citi was supposed to stop this policy as the company was changing its method of calculating interest because of the new federal credit card law. However, I believe that they completely failed to communicate with customers in a clear way and provide them choices. Quickly waiving the second charge is in my opinion a way to avoid complaints, since the option is available over the phone without even talking to a representative.
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/ I was called by what turned out to be a scammer. My caller ID displayed Chase and their local branch telephone number. The called stated he was the Chase Fraud department and asked if I made a transaction which I did not. He said my debit card was being canceled and I would receive a new one in 7 to 10 days. I asked what I would use in the meantime ( which was foolish ) and he said he could enable an XXXXXXXX XXXX account, just type in 6 digits to a text which I did. The call then dropped off and I became suspicious. I checked my online account with Chase and saw several smaller transactions totaling XXXX dollars deducted from my account. I contacted Chase Fraud reported the loss and they said they would investigate. Several days later I was informed they were denying my claim because I supplied the scammer with information. They said I could reopen the claim if I could supply documentation proving my whereabouts at the time of the fraudulent transactions. I was at home talking with the scammer at the time! The transactions occurred at Chase 's local ATM over 15 minutes. Someone sat at the ATM and withdrew the funds during banking hours under I assume a security camera and with tellers in view of the ATM. Chase will not investigate that. I filed a police report and they said they hope I will be refunded, which I was not. My cell provider can't identify my whereabouts and I have no further options. I have closed my accounts at Chase and after 15 years I will no longer do business with them. I am mortified I fell for the scam but feel Chase does nothing to protect their digital banking. They have a disclaimer stating they will never call clients and that is the reason they are denying my claim.
Consumer complaint received 2023-04-20
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. (FL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, 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 that a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 

15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 

15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

For more than a year I have been administratively demanding TRANSUNION remove XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX SERVICES from the consumer file. Both of these alleged accounts are a result of identity theft and TRANSUNION is committing identity theft for reporting them without my permission. They have been causing me grave harm and has injured me tremendously. I applied for a mortgage today and was denied due to there unfair and inaccurate reporting. They have refused to send me documentary evidence that these accounts belong to the principal XXXX XXXX. They have not conducted a fair and equitable investigation and spoken to any natural person concerning these accounts. They continue to send computer generated mail stating the accounts have been verified by the creditor which is impossible. I have lost all faith in the consumer bureau and the credit reporting agency as well as the banking system. My health has suffered and I continue to be harmed every day these fraudulent accounts remain on my file and suppress my scores intentionally. I give TRANSUNION SEVEN BUSINESS DAYS TO CORRECT THIS ERROR before further legal action is taken. This is one of numerous complaints I have filed with the CFPB without any fair or equitable resolution.
Consumer complaint received 2023-04-22
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: Dynamic Recovery Solutions, LLC (FL)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : Dynamic Recovery Solution, 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. 

I don't owe this company.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 I received a check from my friend that was sent to me through his account bill pay. I deposited the check and my account Chase decided that they needed to close my account. A few days later I received a cashier 's check for the amount of {$1900.00} which did not include my deposit of {$10000.00}. When I called Chase they said that they needed to verify the issuer and only then will they send me the check. We did verify all the information including and Chase promised to send the check. After a few weeks I decided to call Chase again as I had not received the check and they told me that the issuer should recall the check. So the issue called his financial institution but XXXX XXXX assured us that the check was cashed and no recall was possible.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MS)

On XX/XX/ I called XXXX XXXX to pay for seat changes for 3 passengers on the same reservation. The representative told me that my total purchase was {$280.00}. I charged the purchase to my XXXX XXXX retail card issued by Citi Retail. Citi Retail offers 6months promotional financing on purchases of {$150.00} or more. When the purchase posted to my account it was posted as 3 separate transactions XXXX, XXXX, & XXXX therefore excluding me from the promotional financing. I sent Citi Retail a secured message through my account center on XX/XX/. They told me to call Citi Retail customer service. I called and they refused to fix the issue.
Consumer complaint received 2023-04-21
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. (GA)

I settled a charge off with XXXX, they have failed to update the account as settled, they continue to show the debt on my report. I have requested and have disputed the account with them and they fail to correct it.