davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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: Experian Information Solutions Inc. (CA)

I would like to bring to your attention the following details : I have an outstanding debt with XXXX XXXX XXXX amounting to {$7300.00}, which originated during the pandemic on XX/XX/year>. This debt was transferred to XXXX XXXX XXXX by XXXX XXXX and was initially covered by the rental assistance program. Since XX/XX/year>, I have made attempts to dispute the accuracy of this debt through both Experian and XXXX. I have requested XXXX XXXX XXXX to provide me with a validation letter, either via email or mail, that includes my signature as the joint applicant, to demonstrate that I am indeed responsible for this debt. I have never engaged in any business dealings with XXXX XXXX XXXX. Despite my efforts, the XXXX XXXX XXXX has continued to report inaccurate information and has refused to rectify the situation even after conducting an investigation. This noncompliance with the FCRA laws has prompted me to seek compensation for damages for each month that inaccurate information was reported on my account. I have estimated that each month of inaccurate reporting constitutes a separate violation, with damages totaling {$1200.00} for each instance.

Under the regulations stipulated in the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, debt collectors are mandated to incorporate a " debt validation notice '' within their collection correspondences. This notice serves the purpose of apprising the debtor of their entitlement to formally challenge the debt in writing.

Under 15 U.S.C. 1692i, this provision delineates the specific jurisdictions in which debt collectors are authorized to initiate legal proceedings against consumers.

Under 15 U.S.C. 1679 ( b ), credit repair organizations are prohibited from making or using any untrue or misleading representations of their services. These organizations are precluded from making or advising consumers to make any untrue or misleading statements regarding their creditworthiness, credit standing, or credit capacity to any consumer reporting agency or to any person who has extended credit to the consumer.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just reviewed a new copy of my credit report and there are hard inquiries on my credit report that I do not recognize. Please remove these hard inquiries. 

XXXXXXXX XXXX XXXX ( Bank ) XXXXT ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX  ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX ( Finance ) XXXXXXXX XXXX XXXXXXXX ( Bank XXXX XXXX ( Retailer ) XXXX ( Bank ) XXXXXXXX XXXX XXXX  ( Bank )
Consumer complaint received 2022-08-02
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-11-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Possible Financial Inc (FL)

Possible financial Inc. 
Account opened : XX/XX/year> Possible financial Inc. 
Account opened : XX/XX/year> Both these accounts were open fraudulently and unauthorized by me, therefore should be removed from my account
Consumer complaint received 2022-08-02
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXXm XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Unbeknownst to me my mortgage was transferred to another company. It is called Select Portfolio Servicing Inc . I was on auto pay with the prior mortgage company so I never opened the statement envelopes. I had always paid ahead and on time. I realized when my XXXX payment did not clear and I called that I had been transferred. 
I tried to go in to call SPS for an account number to get set up online. The 3rd party letter did not transfer from the prior mortgage company to the new. XXXX did that online. When I tried to make a payment it would not accept my bank. I have many autos coming out of this bank but this company would not accept it. I called and was told to make a payment over the phone they charge {$15.00}. That is rediculous. I am a first time customer. They wanted me to go through the bank and wire it. This cost {$35.00} and I feel a ridiculous response. So I contacted the XXXX  and SPS responded with some off the wall none relevant response. 
Because I am behind now and afraid they will take my house away, I opened an account with a new bank and attempted to go in today to make a payment. Even with this new bank I will be charged {$15.00}. 
Everything in the world is online now. I refuse to pay {$15.00} dollars a month to make a payment online. I refuse to set up auto pay until I have a better understanding of this company and feel confident enough in it. I unfortuantely had been through a horrible experience with XXXX XXXX  XXXX  so my confidence in them is very low. 
I call to try to pay over the phone and was told they would wave only this month but from now on it will be charged {$15.00} amonth. I NEVER agreed to this in any prior mortgage and they should not be allowed to add this fee without my consent. And now after this last phone call, being told I am delinquent with a terrible tone, and she hung up on me I feel this company is taking advantage of costumers. They should not be charging {$15.00} a month just because I want to press the button to send payment. I understand {$15.00} does not seem like a lot but right now I am sure you, as well as the entire world knows {$15.00} is A LOT right now. That is a gallon of milk and bread for my kids.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have repeatedly tried to lift a freeze my Transunion credit report online. Every time i check the site, it is unable to determine the status of the freeze on my report. Every time I have to call customer service.
Consumer complaint received 2022-08-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lendgo, Inc. (WA)

I received an email from a company called " LendGo '' that said refinance rates as low as 1.99 % were available with no fees. I clicked on the website and input some general information and submitted it. My phone almost immediately lit up with calls from mortgage lenders. None had rates below 4.6 % and a couple pf them had the grace to laugh at the 1.99 % rate that LendGo was referencing. 
So, while I was not harmed personally, I think that this company is using false advertising.
Consumer complaint received 2022-08-02
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. (MD)

On XX/XX/22, I identified items on my report as fraud and requested the items to be blocked and deleted from my report ( see attached ). 1st FTC report was filed on XX/XX/22 and TransUnion initial CFPB complaint was submitted. On XX/XX/22, I followed up on my request and was informed that my request to block was denied because my address was missing on the FTC report. The attached updated FTC report with my address added to expedite the deletion of these reported items. The continued reporting is of improper utilization of my information.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I just reviewed a new copy of my credit report and there are hard inquiries on my credit report that I do not recognize. Please remove these hard inquiries. 

XXXX XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX  ( Finance ) XXXX ( Finance ) XXXXXXXX XXXX XXXX ( Bank ) XXXX ( Retailer ) XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank )
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Ok so I look in my account and I notice that there is about a XXXX difference in what should be there. So I look through the transactions and there is one for XXXX. A withdral slip like I walked into the bank and took funds out of my account. I had already received several letters from the bank advising that my ID and address were updated. I have had the same ID number since I been driving and the same address for 30 years. I call the call center and get the run around, finally someone told me what branch it was done aat and i call the bank mgr. I speak with them and they " oh its a banking error '' and put it back. My daughter tells me, that's a teller or someone who works there because who else can change your address and ID number, you cant even do it. I said all is well and left it at that corrected it. 

Another month goes by and this time its XXXX and i go to the bank, when I do I can see the screen and the person comparing the last time and this current time, as well as they got my signature. They saw that it was not me, I asked for the tape as well, never got it. I am seeing at this point what legal actions I can take. They assured me I would get my money back and the account would be closed I then get a deposit into that account that SSA gave me for XXXX. I call them cause I notice my account info has not been corrected and was told that they can move my money to my new account as a courtesy. Then I was told all of these fees Im going to be charged. I have banked with this bank for yearsssss. Once this is all said and done I will be closing out any and all accounts that I have with them I want my XXXX as well as my XXXX from SSA. I also want an apology and I want the tape that shows me or whomever going in the bank because I want them prosecuted to the fullest extent of the law.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

In XXXX and XXXX of XXXX, my sister suddenly withdrew from our planned trip flights to XXXX I was paying with frequent flyer miles. But soon after, the COVID pandemic hit and our world changed. 
But I had called to cancel the trip and get the mileage back as well. But the employee I spoke with would not honor all of the miles. This was hurtful. I haven't located the page where I wrote notes on this conversation. Not long after, I received four debit cards totaling {$450.00} from US Bank. 
Currently I'm living in a declared disaster zone! Power was out for over a week and everything spoiled in the fridge. Although it is flooding everywhere, I can make it safely to the local market XXXX XXXX away. I'm currently overdrawn at my bank so I need to use these debit cards. 
I located them yesterday thank goodness! I called to find out the amounts on each card. It was then I learned the original amounts had been greatly reduced due to fees! There is an expiration date on them but I didn't have any idea about these fees. 
We've been in a pandemic for over two years. I'm currently in a disaster zone. I'm over XXXX XXXX XXXX and I need to buy food! 
As an example, I learned that a card that originally had {$50.00} now has only {$14.00}! This is unconscionable.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I have a Chase Business Complete Checking Acct. Since XX/XX/XXXX, the account has been charged a monthly fee of XXXX for " Financial Management Software. When it started showing up I originally thought it was some fee that Chase was tacking on but eventually realized there shouldn't be charges as have enough money in all my accounts to avoid fees. Meanwhile, through two bouts of XXXX and several years of XXXX treatment at XXXX XXXX I let some of this lapse ( I am XXXX ). 

I spoke to my agent at the bank in XX/XX/XXXX and she told me to call the phone number associated with this account. I finally did, about two weeks ago and got through to a chase employee who agreed the charges were a mistake and removed four of them ( he person said they could only go back 4 months ). I was also promised that the fee would be dropped. ( It did show up again ). My branch supervisor removed the fee and suggested I speak to someone at Chase to try to get back more of the mistakenly charge fees. This morning, I spend 2 hours on the phone and to no avail, although one agent said I could institute a dispute for the charges. It was impossible to find someone who would start the complaint process. 

The agents kept getting more defensive and refused to tell : me : 1. When this charge was instituted 2. Who did it?

3. What it was for. 

My bank manager refused to share what she was writing about our conversation and became angry telling me it was against state law to give me any additional money back. I responded that the money was less important than finding out how the mistake was made. She said she couldn't tell and suggested I go back into the phone network which had wasted my 2 hours this morning. 

I'm sorry this is so long, but can you help me? Incidentally, I wouldn't mind getting my money back, but more important is what is being hid. I suspect more clients are getting this fraudulently than just me. Thanks, XXXX XXXX
Consumer complaint received 2024-11-22
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-02
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

This is my third and final demand regarding the inaccurate and erroneous information you continue to report on my credit file despite multiple disputes. It has become apparent that the credit bureaus are deliberately ignoring its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. 

XXXX XXXX XXXX XXXX XXXX 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. Your actions are in violation of FCRA Laws XXXX XXXX XXXX XXXX  - XXXX5 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance. 

XXXX XXXX XXXX XXXX XXXX 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX - XXXX - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.
Consumer complaint received 2022-08-04
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 

According to the 15 US 1681 Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (TX)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past XXXX days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.