davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

I signed up for The Amex groups card for my business and my personal account the provide me with points and options to pay but during COVID-19 I did not have any other option with them so I am writing you to receive your assistance during these troubling times because only after 2-3 months of non payment they have canceled my card even when I have come from a FEMA disaster area XXXX, NY.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-20
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JH Portfolio Debt Equities, LLC (CA)

On XX/XX/19 I tried to call the number provided on the letter I received from the company on XX/XX/19 and the recorded message says that the number is not in service. There is no other number to call only a website and a mailing address for payments. A letter confirming that I do not owe this money and submit any necessary confirmation to all 3 credit bureaus if necessary that I do not have any outstanding debt that was not discharged in chapter XXXX bankruptcy proceedings.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (NJ)

I purchased a {$100.00} VANILLA VISA GIFT CARD for my friend 's birthday and when I mailed it to her it was destroyed in the postal system and all she received was a piece of the mailing envelope in a clear plastic post office bag. The birthday card and the {$100.00} Vanilla VISA Gift Card were never received. I went back to the XXXX XXXX where I purchased the card and they retrieved the Serial Number of the card from their internal computer system. The card was issued by XXXX XXXX and is serviced by InComm Financial Services , Inc . I telephoned the number listed on the packaging XXXX and they issued case number XXXX to me after verifying the card had not been used and asked that I send a government id such as my driver 's license to verify my address. I sent them a copy of my license to a number they initially provided.to me at XXXX. After waiting two weeks and never receiving a replacement card I telephoned back and learned that the fax number provided to me by their employee was wrong so I re-faxed my license to a new number they provided XXXX on XX/XX/2019. After waiting weeks again I telephoned back and they said they now want a copy of a recent utility bill not over three months old to verify my address. I advised them my current license was verification they originally said i could send.
Consumer complaint received 2019-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative account reporting. Sure enough, there are open accounts reporting, XXXX XXXX, XXXX, XXXX XXXX I have never had these accounts and these accounts is not mine. After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have submitted a complaint to the FTC and have a report of this.
Consumer complaint received 2019-11-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (IA)

I found out that I had been sued by XXXX XXXX XXXX through an attorney who had researched my records online. 

I have been communicating with XXXX via email. I was laid off in XXXX and I now have a new job with a significantly decreased income. I advised them of this and proposed a new payment. I also advised of a proposed payment plan and that I had a cease and desist in place for phone calls. The debt has changed hands many times and the XXXX XXXX XXXX  began contacting me daily. I contacted XXXX and left a voicemail on their collection department because no one is available. 

Although this debt is valid, it has been hard to work with many of the various creditors. Even though I have taken steps to communicate, the company does not seem willing to work with me. 

The debt was originally owed to Citibank and is referenced as such in the attached letter.
Consumer complaint received 2019-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (TX)

I am a XXXX XXXX XXXX  veterans ; therefore, in the state of Texas property taxes are not assessed. 

In XX/XX/XXXX, I informed the Mortgage Company ( BSI Financial ), that my property status has changed and that I no longer had to pay property taxes. The mortgage company explained to me that they would need the tax bill from the City before any changes to my account occurred. 

In XX/XX/XXXX, I received a new escrow analysis from BSI, listing no change. I immediately called the Mortgage company to speak about the inaccuracies in this report. Their Customer Service Rep explained to me that I had no worries, but to send documentation from the City stating the fact that I was exempt. ( See attached ). 

As of today, and after sending the attached several times and also, asking the City to send this same letter BSI and the multiple phone calls to BSI, still there has not been any changes to my account.

Again, I spoke to BSI on yesterday and now they are asking me to send a bill from the City that states XXXX balance. I explained to them .... that the city send them the bill and even though it didn't state XXXX balance, the amount paid for XXXX was significant less than the previous years, and yet they failed to request another analysis, based upon the amount paid ( XXXX ), again for XXXX. As of yesterday, a request for a reanalysis was request. Even though the re-analysis should be based upon XXXX and not XXXX. 

My issues are, I am a XXXX Veterans ; who property taxes are not assessed, who is not require to pay property taxes ; therefore, my escrow account with BSI should reflect this fact. I should not have to wait until XX/XX/XXXX until a new bill for changes to occur. ( 17 months ) Especially, when the attach letter states, " The taxes for XXXX will be {$0.00}.
Consumer complaint received 2020-03-06
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. (NV)

sent ftc violations XXXX and transun i XXXX  XXXX XXXX  XXXX Non taking longer than 30 days which are violations XXXX XXXX XXXX  XXXX XXXX {$8000.00} 100 % usage 3 late payments XXXX XXXX XXXX   XXXX XXXX {$2200.00} 100 % usage 3 late payments XXXX XXXX  XXXX XXXX  never late they obtained a sentence of more than 16 years in XXXX  for XXXX, and a penalty of {$520.00} XXXX against XXXX XXXX for violations of the Bank Secrecy Act, including failing to timely report suspicious banking activities of XXXX. 
inquires all ftc violations XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Unions
Consumer complaint received 2020-03-06
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. (AL)

I sent a request to XXXX/XXXX/Experian to submit a method of verification in reference to a chapter XXXX bankruptcy they have erroneously reporting on my credit report.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balanced {$86.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$62.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX Balanced {$0.00}
Consumer complaint received 2024-08-30
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. (TX)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently rereceived a copy of my XXXX credit report, and I noticed a late payment posted on my credit report : Both account XXXX for the month of XX/XX/year>. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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. 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 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. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2024-08-30
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. (TX)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2019-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion XXXX XXXX XXXX  : The following has been requested : * according to the FCRA 609, 611 I requested a signed contract/or lease on the following dates : 3/8/2019, 4/25/19, 6/21/19, 7/24/19, 8/22/19 never producing any documentation with my signature.

* In addition twice they responded over 30 days to respond as of today 11/19/19 I have not received any response for the 8/22/19 mailing.

* Also there was inaccuracies on the previous responses. {$0.00} value was expressed which made no sense to me.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2023-08-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Credit Fresh Holdings Inc (FL)

On XX/XX/XXXX I inadvertently over-paid them with a debit from my debit card that is attached to my checking account. The balance that I owed them was XXXX, but I paid them {$3500.00} anyway. I spoke to them about this on XX/XX/XXXX and was told to expect the refund back into my account in 3 to 5 business days. 
On the 5th business day, XX/XX/XXXX I didnt have my overpayment refund yet, so I called them again. They stated that their Compliance Department has my account under review and they were waiting to hear back from their Compliance Department. 
I followed up by phone on XX/XX/XXXXXXXX  and got no new update. Just that they & I should both expect to hear from their Compliance Department. 
I called them again XX/XX/XXXX, which is 2 full weeks after the overpayment, and got no new update. Again, just that they and I are both still waiting to hear back from their Compliance Department, and that sometimes it takes a couple weeks. I pointed out that it HAS been two weeks, and they still can not tell me when to expect my money back.
Consumer complaint received 2023-08-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I recently pulled my credit report and saw that i have a Collection account with the company XXXX and unauthorized inquiries listed on my credit report. The first thing i did was immediately filed a Police Report since i had been a victim of Identity Theft and someone used my name to open a fraudulent account. When i contacted the company XXXX, Experian XXXX XXXX XX/XX/2023, The representative was extremely loud, rude, condescending and disrespectful. I am shocked that XXXX would have a person like this work at their company. I have endured a lot of stress, pain and suffering after speaking with the rep who refused to give me her name. I filed a Complaint with FTC and will also file a complaint with XXXX  against XXXX.
Consumer complaint received 2023-08-17
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-01
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ]. REPORT NUMBER : XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX, [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LAYE PAYMENTS WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

LVNV FUNDING LLC has ignored my request to remove a negative account that was placed on all three credit bureaus. I will attach documents that i recently sent to them. I have spoke to the and even explained that the address that they have on file isnt mine and I never live there.