davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-23
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. (MD)

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 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  Bankruptcy : # 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 supposed 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 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2019-05-21
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. (FL)

Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, .The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have Bank of America Visa credit card. As part of my benefits I can get reimbursed ones pe year to apply for XXXX XXXX XXXX for me and my wife. By the end of this year my wifes and my XXXX XXXX  Cards will be expired, and I decided to renew both cards. To verify my benefits I called Bank of America customer support, and person confirmed that I and my wife will get reimbursed for XXXX XXXX Cards renewal. After I completed renewal online, I received reimbursement only {$100.00} for me, but not for my wife. I called Bank of America customer support and after being on hold and selecting all options to connect to the right representative for almost 45 minutes, I finally spoke with XXXX representative. Thank conversation was absolutely useless since did not know the issue and forwarded my call to U.S. Customs and Boarder Protection hotline. I could not understand how U.S. Customs and Boarder Protection office can help me with Bank of America credit card rewards benefits. I called back and spoke with XXXX representative. At least he was some how helpful, and created case number to escalate this matter. A week later, after I did not receive and feedback from Bank of America, I call the again and spoke with another representative. Unfortunately, representative told me that my refund was denied because I have only {$100.00} refund per year. I explained to her that I was given false information then I call to verify coverage. I told her if I knew I have a limit, my wife has her card from XXXX XXXX with the same coverage, and I would use my card for myself, and my wife will use her card for herself. It was impossible to get through her and later through her manager. They bot did not have any empathy and willing to help and resolve this issue. It was like hearing pre-recording message We Decline your claim. I told them I have checking account, Visa Card and HELOC account with Bank of America, but now I may look somewhere else when my next cycle to renew my Visa card, and I will move to other banks who treat their customers with dignity and respect.
Consumer complaint received 2023-10-15
Product: Credit 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 (NY)

I am an American Express XXXX card holder and I pay {$5000.00} inannual fees alone for the card and the dreadful customer service associated with it.. I have been an American Express " member '' since 1983. 

I have an additional card on my account. The details of that card were stolen and fraudulent charges appeared on the card. The fraud was reported in a timely manner. The fraud investigation was totally mishandled by American Express and I have still not been reimbursed a total of {$190.00} in fraudulent charges. 

On the first statement on which the fraudulent charges appeared, there was a total of {$390.00} in fraud charges. In the subsequent statement, there was a further {$190.00}. 

Amex originally reimbursed the full {$390.00}, but then did a " fraud credit reversal '' for {$100.00}. When I complained by phone, the fraud credit for {$100.00} was reinstated. On the same call ( XX/XX/XXXX ) I reported the subsequent fraudulent charges of {$190.00}. This report was ignored and I received no further reimbursement from Amex. THIS CALL WAS RECORDED.
Consumer complaint received 2023-07-23
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. (SC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial Institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CA)

Yesterday XX/XX/2020- XXXX from Midland Credit Management , Inc. called my work number, I was on another call at the time and did not pick up. He proceeded to call my the hotline number for my department and told my coworker where he was calling from. I let him know immediately that this was not appropriate and that I was on the clock, and they should not be using any of my work numbers to contact me. He told me to give him a minute to discuss options. He kept me on the phone for 30 minutes and when I let him know he disrupted my workday and I needed to go insisted I stayed on longer. I finally got off the phone by saying I would call tomorrow on my first break. 

Today XX/XX/2020- I was unable to call on my first break because we were so busy. I planned to call on my lunch. At XXXX XXXX he proceeded to call my department hotline again and told my coworker who he was and where he was calling from, after I expressly asked him the day before not to. He again tried to insist I speak to him. At this point, I was very upset after him getting me in trouble at work the day prior.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equafax credit bureau is reporting 2 collection charges on my credit report. Ive disputed the issue and they have said it is valid. I have asked for a signed agreement or contract that shows these debts are valid with the company reporting it and that these debts are tied to me. The collection agencies keep on sending old invoices and thats not an agreement.
Consumer complaint received 2023-07-23
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. (SC)

In accordance with the fair credit reporting act XXXX XXXX  acct # XXXX has violated my rights.

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

Marcus on line savings account locked and no action by Marcus to clear. 
Opened acct XX/XX/XXXX. Called 7 times over 3 months to clear lock. Calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Spoke with supervisors etc. Was told several times that papers would be sent to me via usps. No papers or return calls received, ever.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. USDOE/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

A few months ago I requested my PMI be removed and paid roughly {$400.00} for a property valuation to be completed. The result came back that my property was only worth {$370000.00} which seemed odd because XXXX shows my home value at roughly {$400000.00} and homes on my street are selling for well over {$500000.00}. My request was denied because the property value was too low and I was still a few thousand dollars away from achieving the required percentage. I called my mortgage company to ask if I needed to pay the difference in a lump sum or if I could just make my normal payments to make up the difference in a few month 's time. They assured me that I could make the necessary principal reduction through monthly payments and my property valuation would NOT expire in the meantime. Keep in mind that I had the funds available at that time but chose not to pay the lump sum at the advice of my mortgage company. 
With my most recent payment I hit the required threshold and called my mortgage company again to request PMI removal. They again denied my request and are claiming that the valuation I paid for expired after 90 days. This directly contradicts what they told me before. I should not have to pay another {$400.00} to correct their mistake. They also told me it would take up to 30 days to research whether an error occurred, during which time I would be responsible for another {$75.00} in PMI. So in essence they are charging me for the time it will take them to discover their error.
Consumer complaint received 2019-05-21
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXXXXX, XXXX XXXX****, XXXX XXXX-XXXX****, XXXX  XXXX XXXX****
Consumer complaint received 2019-05-21
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: CL Holdings LLC (AZ)

The document that I have attached will reflect the dates and amount that the account was paid off on on. I settled this XXXX account with Jefferson Capital systems back in XXXX of XXXX. The account is still showing as a charged-off bad debt on my credit report which is an FCRA violation.
Consumer complaint received 2020-02-05
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. (CO)

Equifax is reporting incorrectly a collection/charge-off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a collection on an account with a {$0.00} balance due. This false reporting of collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-02-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Credit reporting for the month of XXXX and XXXX is reporting inaccurate information. For the month of XXXX, a payment was made on XX/XX/XXXX ( last day of the month ) for {$360.00} bringing the account to only 12 days past due. The account was less than 30 days past due at the end of the month. however I received a late mark due to a payment processing error. Also, for the month of XXXX, a payment was made on XX/XX/XXXX ( last day of the month ) for {$610.00} bringing the account to only 12 days past due. The account was less than 30 days past due at the end of the month, however I received a late mark due to a payment process mistake. Both payments were made on the last day of the month, which is when companies report to the credit bureau. Bank of America 's system didn't have time to process the current status when it was reported as 30 days past due. I would like for it to be updated to show current for those months. Also, I asked Bank of America to provide me with a signed credit application. They were unable to send this to me. Per FCRA policies, if the company is unable to produce a signed credit application proving that the debt is mine, the company must delete the trade lines. Bank of America refused to take the appropriate steps to delete the trade lines.
Consumer complaint received 2020-02-05
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. (MS)

I AM A VICTIM OF IDENTITY THEFT. THIS IS MY OFFICIAL STATEMENT ABOUT THE CRIME. I HAVE SENT IN A POLICE REPORT AND AN IKD THEFT IN NUMEROUS OF TIMES AND EXPERIAN IS STILL REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE IN CLEAR VIOLATION OF FCRA LAWS. I HAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACE ON HOLD FOR INORDINATE AMOUNTS OF TIME. UNDER THE FAIR CREDIT REPORTING ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT WITH A WET INK SIGNATURE ON I. ( COPIES OF COPIES ARE NOT VALIDATION AND BY LAW ARE NOW CONSIDERED PROOF ) THAT YOU HAVE ON FILE FOR MY ACCOUNTS MUST BE REMOVED. THE BANKRUPTCY I INSIST ON REPORTING THIS FRAUDULENT ACCOUNT ON FILE. I ALSO SENT IN SOME INFORMATION REPORTED FROM XXXX XXXX.
Consumer complaint received 2023-10-17
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. (SC)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-23
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: CBC Companies, Inc. (OH)

I received an email from XXXX informing me that they had lowered my credit score by XXXX points. When reviewing the alert, I found that on XX/XX/2023, FACTUAL DATA, XXXX XXXX XXXX XXXX, GA, XXXX, I passed my credit twice, one by XXXX and the other by XXXX for said score, a fact that I do not recognize or authorize under any circumstances and I do not know said company and its origin, for which I consider a fraud for myself, considerably affecting my score credit, which I manage correctly and satisfactorily. 
I took the action of calling XXXX by phone to notify said fraud to which they told me to contact FACTUAL DATA, to directly solve this situation with them, which I did not achieve because they did not attend me. Then I called XXXX again and they told me to file the fraud complaint with you, and then send them proof of the claim.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with the credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. ..XXXX XXXX XXXX  XXXX, XXXX   XXXX XXXX XXXX, XXXX/XXXX XXXX   XXXXXXXX XXXX/XXXX XXXX   XXXX, XXXX XXXX,