davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-18
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. (TX)

According to the FCRA ( XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove these late payment indicators expeditiously. 


Account XXXX : XXXX XXXX XXXX # XXXX, has violated my federally protected consumer 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.

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 record of conviction 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 2023-06-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (VA)

On XX/XX/2023 my husband and I started working with XXXX XXXX of Mutual of Omaha-Mortgage to apply for a cash out- Refinance on our primary home. 

On XX/XX/2023, Mutual of Omaha took {$570.00} for an appraisal. Once finding out the company that Mutual of Omaha uses, my husband was weary because looking at the reviews of said company ( XXXX ) they have a 1 star rating with many complaints being low appraisals. 

On XX/XX/2023, our appraisal was completed and on XX/XX/2023, we were sent our appraisal, which came in WAY below what we expected as we are in a very prestigious neighborhood for our area. Immediately I sent additional comps and requested a reevaluation be completed. I was informed by XXXX that he would send everything to his manager as he is the one who handles this, but did confirm that he would follow up. 

Friday, XX/XX/2023 came, heard nothing. Monday, XX/XX/2023 came, nothing. Tuesday I sent XXXX an email, no response. Wednesday, I sent another follow up email, no response. I then forwarded the email to XXXX XXXX ( XXXX assistant whom we had been working with ) an email, no response. Wednesday I send an email copying everyone that we had worked with, including XXXX XXXX REQUESTING AN URGENT RESPONSE, and he called me to tell me that in order to request a reevaluation or rebuttal I would need to ( do what I already did the week previous ) submit additional comps and ask to be reevaluated. I explained to him how his company let me down and he at that point informed me that my loan had moved to withdrawal status due to the appraisal coming in so low. I feel as though this company is scamming people such as myself out of money they already do not have in the first place. I would like either 1. A company that is local and knows our area to come out at no additional charge to appraise our home. Or 2. Request a full refund of the {$570.00} that this company provided the way under appraised price for our home so that we can take our business elsewhere. We know the value of our home and the fact that this company totally dropped the ball on ANY follow up until AFTER being threatened with the XXXX, I find them to be a SCAM as well. Thats bad business. When I asked for a reevaluation, it should have happened that day, as stated. Not our loan going into withdrawal status and then having SOMEONE ELSE ( XXXX the XXXX with the same job title ) reaching out to us AFTER mention of XXXX being made.
Consumer complaint received 2023-06-15
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 (AZ)

XX/XX/2023 purchase of {$410.00} on American Express for shoes from online company XXXX. Shoes received via XXXX on XX/XX/2023. XXXX picked up the shoes on XX/XX/2023 to be returned to the original shipper in XXXX. XXXX confirmed the shoes were signed for by the original shipper on XX/XX/2023. Followed up with XXXX as to my credit of {$410.00} for the return. XX/XX/2023 I contacted Amex to dispute the charge as I had not received the credit due. The dispute was processed by American Express. XX/XX/2023 XXXX advised me that they had a package from XXXX ( XXXX shipper ). I contacted XXXX, XXXX, and Amex and advised that I would NOT accept any package from this shipper. XX/XX/2023 XXXX sent an email advising that they would not accept the return and would not be crediting me as the shoes were returned " worn '' .Emails were sent by me to XXXX stating clearly that the shoes were never " worn '' by me and were returned in the EXACT same condition as shipped. Amex opened and closed the dispute 7 times and as of XX/XX/2023 rebilled me for the returned shoes. XXXX redelivered the shoes to XXXX 's XXXX shipped and were signed for on XX/XX/2023. XXXX and it's Third Party supplier in XXXX conspired to refuse the credit, both companies have been paid thru Amex, and they have the shoes to RESELL. I the Amex Cardholder have been billed and bilked for {$410.00}. Amex as of XX/XX/2023 said they have closed the dispute but do acknowledge that I have been charged for merchandise that I do not have. They agree that XXXX and the Third Party supplier have the shoes and will resell them. This is their business scam but will not reverse the charge of {$410.00}.
Consumer complaint received 2023-06-15
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. (NC)

I've contacted Transunion numerous times by mail to let them know that there was an inaccurate debt collection account on my credit file. I sent letters out on XX/XX/23 and XX/XX/23. 

They refuse to acknowledge my complaint with any correspondence or communication. 

The inaccurate collections account are from, XXXX XXXX Account Number XXXX, and XXXX XXXX XXXX XXXX Account Number XXXX. 

Please remove these accounts from my credit report they are not mine and inaccurately bring reported. Which is causing me harm while I'm currently trying to purchase a house.
Consumer complaint received 2023-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/23 {$500.00} dollars was sent from my Wellsfargo checking via XXXX to someone that I did not authorize. On XX/XX/23 {$1500.00} was wire transferred from my checking account to the same person. I called Wellsfargo on XX/XX/23 when I noticed the transaction but they just told me the fraud dept is looking into it. A few days later I got letters from Wellsfargo stating they can not do anything. I've lost {$2000.00} from a scammer.
Consumer complaint received 2023-06-15
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: Resurgent Capital Services L.P. (IL)

I am writing to address the collection activity by Resurgent Receivables, LLC on my credit report. I have noticed a collection account that I am unaware of and have no knowledge or obligation to Resurgent Receivables, LLC. Ensuring the accuracy of my credit report is important to me, as it reflects my true financial standing. I believe there may be an error or misunderstanding, and I am committed to resolving this issue. I kindly request a thorough investigation into the validity and accuracy of the collection account. I ask Resurgent Receivables, LLC to provide clear and verifiable documentation supporting the existence of the debt and my obligation to pay. During this investigation, If Resurgent Receivables, LLC can not provide sufficient evidence.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

I am a small business owner, I opened American Express ( AMEX ) XXXX XXXX  card on XXXX. At that time, AMEX advertised : Card owner will " earn XXXX Membership Rewards points after {$15000.00} or more in qualifying purchases are made on the Card within the first 3 months of Card Membership. ", in my case, the first 3 months is " from XX/XX/XXXX to XX/XX/XXXX. '' and I spend a total of {$24000.00}. ( The total spend amount and the " first 3 month time frame info '' are from AMEX customer service online chat history. ) I used to call AMEX customer service about points issue, they told me my points is pending, and considering my " first 3 month '' is ending by XXXX, to avoid any purchase return, they will give me points by XXXX which after 3 month of XXXX statement closed. And I accepted and I think that's totally fine. But after XXXX I did not see XXXX points under my account, so I called AMEX/chat with AMEX online customer service for over 5 times, they admit I do spend enough money to get the points and all they can tell me is my points is pending, as long as I pay for the current statement balance, the points will be put into my account. So I did what they asked but never see any points. A supervisor of AMEX said she will open a case for investigation but she never follow up with me. AMEX obviously do not has a reasonable and appropriate grounds to let my points " pending '' for such a long time, it might " pending '' for years. As a small business owner, I tried all my best to communicate with AMEX but on one care about my situation, it makes my life harder I was planned to use points buy air tickets for business trip, save some money and support my family.
Consumer complaint received 2018-10-16
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. (PA)

I have made several attempts in the past 3 years requesting the removal of these collection accounts directly with all XXXX credit bureaus and the creditors that claimed I owed them via certified mail and phone. ( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, ) are not my accounts and I keep on being told that it is verified after sending disputes. Some are even accounts that were removed and were bought by another collection company. They have recognized this issue and it has still remained on my credit reports. I have disputed directly with the companies who were not able to verify the information when requested. They could not provide original documents bearing my signature and it still has not been removed. I have been disputing these items so much that all Credit Bureaus put a fraud alert on my account without my request and the creditors maliciously changed the status on my accounts.
Consumer complaint received 2023-06-18
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. (LA)

I recently disputes errors for with my credit report pertain to a charged off account with XXXX XXXXXXXX both accounts opened XX/XX/XXXX and XX/XX/XXXX. Charged off accounts should Never be associated with any late payments on top of it a charge off account. 
While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Account Names XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX Theses charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item IMMEDIATELY It is illegal according to FCRA section 623 it states that an account can be reported delinquent on the months that it is delayed but once an account is closed it can only reflect charge off or late up to the date that it closed due to this violation the account by law is required to be delete any information including the account from my credit report permanently I previously disputed the same errors with CRA TO INVESTIGATE THE FACTUAL ERRORS ON MY REPORT Experian XXXX they properly researched the account errors and deleted the account from my file using the the FCRA LAWS THAT WERE VIOLATED BY XXXX XXXX XXXX and XXXX  XXXX XXXX ALL CRA SHOULD BE REFLECTING THE SAME BALANCE PAYMENT HISTORY AND THEY DO NOT OTHER FACTUAL ERRORS VIOLATES FCRA REGULATIONS I HAVE ASKED THE CRA Experian & XXXX TO INVESTIGATE violations and THEY FAILED TO COMPLY with Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA XXXX and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I have also filed complaint with the XXXX  AND FTC IN REGARDS TO THE CONSTANT NEGLECT-ION OF MY DISPUTES
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

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 2023-06-18
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. (GA)

This complaint is proffered against TransUnion, XXXX, and XXXX for reporting incorrect or unverified information from a account named XXXX XXXX under account number XXXX and or XXXX. I filed a dispute with all credit bureaus and all bureaus verified information as correct/ accurate and denied my disputes. No other disputes are pending and a copy of the consumers smart credit 3 bureau report is included in this complaint to verify said errors. The said errors are as follows : 1. Both TransUnion and XXXX report high balance for this account as XXXX. XXXX reports high balance as XXXX. Both can't be correct. 2. All 3 bureaus report a different date of last activity. TransUnion reports XXXX as XX/XX/XXXX. XXXX reports XXXX as XX/XX/XXXX. XXXX reports XXXX asXX/XX/XXXX. All three can't be correct. 3. XXXX and XXXX reports are missing Date account was closed. 4. Both XXXX and TransUnion report Date of last payment as XX/XX/XXXX. Contrary, XXXX reports date of last payment as XX/XX/XXXX. Both can't be correct and verified as accurate. 5. XXXX and XXXX both report Balance owed as XXXX. Contrary, TransUnion reports balance owed as XXXX. Both dates can't be correct also. 6. XXXX and XXXX both report past due amount as XXXX. Contrary, TransUnion reports past due amount as XXXX. Both amounts can't be correct either. 7. Both XXXX and XXXX are missing last date verified. 8. XXXX report says date of last payment made was XX/XX/XXXX. Contrary on same report under 2 year payment history calendar, it shows last payment made was on XXXX. 9. XXXX report says last payment made was on XXXX. Contrary on same report under 2 year payment history calendar it shows in XXXX account was 60 days late. 10. Both XXXX and XXXX payment history completely differ. XXXX shows in XX/XX/XXXX account was o.k.. XXXX shows in XXXX 60 day late. XXXX shows 30 day late in XX/XX/XXXX and XXXX shows 90 days late in XX/XX/XXXX. XXXX shows 60 days late in XX/XX/XXXX and XXXX shows 120 days late in XXXX. XXXX shows 90 days late in XXXX.and XXXX shows 120 days late. All mismatched information.
Consumer complaint received 2023-06-18
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. (NC)

I have a right to accurate information, if the reinstatement of the item on my credit report is found to be inaccurate or incomplete, I have the right to request its removal or correction. I have a right to an explanation per the FCRA and am requesting information as to why adverse information that was previously disputed continues to reappear on my credit report. I have a right to fair credit reporting and request appropriate action to be taken to rectify the situation. I am requesting a written explanation, supported by relevant documentation, detailing the reasons for the reinstatement of the item on my credit report. Additionally, I expect that you conduct a thorough reinvestigation into this matter to ensure the accuracy and completeness of the information on my credit report. Please provide your response within 30 days, as stipulated by the FCRA. Kindly send your written explanation and any accompanying documentation to the address mentioned above. I appreciate your attention to this matter and look forward to your timely response, as well as a prompt resolution to this issue in accordance with my rights as a consumer under the FCRA.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX has violated my rights. 

i've already disputed these items, but they did not remove, nor prove validation. 

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
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX. Withdrew ACH {$61000.00} from our Business account : Day Automatic Transmissions Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX. 
XX/XX/XXXX {$12000.00} XX/XX/XXXX {$28000.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX We are unaware of how they got our account number to set this up. We were a business of only 4 employees and only my husband and myself have access to the banking accounts. 

We noticed the last WD of {$12000.00} and reversed it. There is an additional {$48000.00} that Wells Fargo is REFUSING to dispute on our behalf, as this ACH is set-up on a 48-hour turn around. We have escalated the incident with Wells Fargo and they are still refusing to dispute the charges on our behalf. They provided us a phone number for XXXX XXXX  which indicates they are aware the funds were transferred to a XXXX account. 

We escalated the fraud claim through XXXX. They confirmed the funds were taken and dispersed to XXXX XXXX XXXX via XXXX XXXX This is indicated on our banking history. 
XXXX with XXXX  ( XXXX ) stated Wells Fargo only needs to dispute on our behalf and XXXX can initiate the refund of funds. Wells Fargo refuses. 

Spoke to XXXXXXXX XXXX, customer care, they have initiated a security claim but without an account number, which we don't have access to, a dispute can not be filed. 

We have submitted our documentation to XXXX XXXX financial crimes against XXXX XXXX XXXX in an effort to recoup the funds. I have not contacted them directly yet as I am waiting for a response from XXXX XXXX. 

Company Name : XXXX XXXX XXXX XXXX XXXX 
Entity Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) File Number : XXXX Filing State : Texas ( TX ) Filing Status : In Existence Filing Date : XX/XX/XXXX Company Age : 6 Months Registered Agent : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Governing Agency : Texas Secretary of State Wells Fargo contacts : XXXX ; XXXX ; XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX contacts : JXXXX XXXX XXXX XXXX contacts : XX/XX/XXXX ; XXXX ; XX/XX/XXXX I am certain I am missing some dates, I have been to Wells Fargo multiple times looking for support and not receiving it as well as additional calls that are not generally returned. 

Wells Fargo : did not flag the suspicious large XXXX did not notify the business to verify did not freeze our account when it was reported have not done anything to protect us as their customers We missed the 48-hour window, they have washed their hands of us.
Consumer complaint received 2023-06-18
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)

I am not responsible for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not prove me with a contract as requested.