davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Altisource Portfolio Solutions, S.à r.l. (AZ)

First, the problem was not with XXXX XXXX XXXX, it was the seller ( Altisource ) and the Title Agency ( XXXX XXXX XXXX ). From the beginning I felt it was like a shell gave, every email was from a different person, based in XXXX, and the company name was different. I was scheduled to close on XXXX XXXX, 2015. Due to lack of response from the title company ( which I was forced to use due to the online foreclosure purchase process ) the settlement statement to XXXX for final approval was sent late thus missing the scheduled close date. The Close of Escrow was XXXX/XXXX/15 they did n't get the statement to XXXX till late on the XXXX. Then the loan docs were not received by the notary for my signing till XXXX on the XXXX. In the meantime I had wired my closing funds and XXXX wired the remainder of funds the same day. By the time they actually recorded the deed and closed the transaction it was XXXX/XXXX/15 six days late. Then they did not return my excess closing funds for another five days. Lastly, the costs the Title Company charged were significantly higher than the local companies charge. The inability of the title company cost me, they delayed my ability to move in on time, causing me to stay in a hotel since I had packed my belongings and was out of my apartment and I had to pay interest from the XXXX to the XXXX on the loan on a home that I did not own at the time.
Consumer complaint received 2023-04-11
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. (MD)

I have reached out to XXXX XXXX XXXX  and requested validation of the debt from XXXX XXXX  times now. The initial contact was in early XXXX when they called. I also requested the credit bureaus authenticate this debt as I have paid XXXX when i returned the equipment. No debt validation was supplied. I have paid {$130.00} as of XX/XX/XXXX still without debt validation. I would like this to be updated as PIF and removed. I have not received any communications yet they report past due on my credit report which is inaccurate as the debt still has not been validated and I have paid more money to have it removed.
Consumer complaint received 2023-04-11
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)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I'm writing today to advise you that your agency is in a major violation.I have been doing some studying myself and i have learned that the only person that give consent is the consumer and thats me.you are allowing improper use of credit reporting against what the LAW has written.The consumer controls the credit reporting not the agency.also Late Payments are illegal to report with out my consent.15 USC 6801 It 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.It 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.I XXXX XXXX DID NOT CONSENT to any bank or agency report my consumer report.15 USC 6802B.A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.I AM A INDIVIDUAL CONSUMER ..Under the FCRA, a debt collector must investigate any disputes that are made in writing within 30 days. I have disputed this debt in writing, and your company has not responded within the 30-day timeframe. This is a violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

American Express began declining charges on XXXX to the card on XX/XX/XXXX. I called their customer service number and was told the problem was XXXX XXXX and I should call them. I called XXXX and they put the charge through again - declined by Amex. I called Amex back and was told their fraud unit had a hold on the card because of too many charges on XXXX. They said they would send a message to their verification team to fix it and to try a different merchant in the meantime. They said to wait XXXX hours. 
Tried a charge on XXXX and XXXX XXXX on XXXX - both declined. Called Amex again, was told they would notify verification and to wait XXXX hours. 
Declined again on XXXX - posted complaint on XXXX and got a different phone number in a reply from @ XXXX. Called that number - same as earlier calls. They would send a message to verifications, wait XXXX hours. 
Tried using card on XXXX - still declined Tried XX/XX/XXXX - still declined Called on XX/XX/XXXX. Was told they can't send me a new card, didn't offer any suggestion for fixing the problem other than trying a different merchant.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have a XXXX account on my credit report and have been disputing it since XXXX. I have tried to contact them several times without getting any kind of response from them. I called them and was only told they would get back to me and yet I have not heard anything from them. I have contacted equifax concerning this matter they disputed it and sent back a response that the account has been verified and yet I still have nothing from XXXX but yet I am being told it has been verified. I do everything in writing to assure my verification and yet can not get any kind of response and I have a problem with how equifax claim they have and can get verification and I have not been able to get anything from them since I started this in XXXX.
Consumer complaint received 2023-04-11
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. (CA)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, But bureau reported that I have many addresses like XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-11
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. (CA)

In accordance with the Fair credit reporting act convergent Accounts CREDITOR / COLLECTOR : XXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR  : XXXX XXXX XXXX XXXX Account:XXXX  : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account.

CREDITOR / COLLECTOR  : XXXX XXXXXXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX XXXX XXXX Account:XXXX  : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX AccountXXXX : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX XXXX Account:XXXX : BALANCE : {$310.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 


The Credit bureaus stated that my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is accurate. This ground for removal the also violated my rights under 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. 

Also the Credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

I am trying to remove dispute remarks from my Experian credit report. I have XXXX accounts with XXXX Student Loans which I am not disputing. I have informed both XXXX and Experian I am not disputing them but neither claims the ability to remove the remarks. I have XXXX XXXX XXXX. of XXXX student loans that have dispute remarks. I have contacted both Experian and XXXX XXXX XXXX XXXX and informed them I am not disputing the accounts. Neither one claims the ability to remove the dispute remarks from the accounts.
Consumer complaint received 2023-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America Pre paid card payments unreceived and still unresolved. On XX/XX/XXXX months after unreceived payments and a resolution to a debit card missing payments claim that I was denied of {$800.00} I never received. I received communication instead by email that the card is no longer available for my funds. I was later contacted by the Bank of America claims department that they decided to reopening my missing payments claim and that they would contact me with the resolution. I never received that call. I never received a resolution. No answers from the Bank of America claim center were received or resolved over this period of time. I was finally able to get through to Bank of America claims agent XXXX, on a recorded line. It shows according to this agent I was granted a resolution in my favor that they never payed out. I never received that communication until XX/XX/XXXX when I called and I was finally connected to someone that wanted to help. A duplicate account was found by Sarahs manager who would not speak with me about it upon my request. This account shows a duplicate account that was created unbeknownst to me. The Consequential harm continues. The faulty fraud protection program hardship continues. I asked to speak to a supervisor and waited for XXXX hour XXXX mins and was hung up on after finally speaking to someone with no resolution. Im am now 507 days after receiving of my initial communication and counting. I was told in my initial email that Informed me to only contact the Bank of America claim center for this resolution to these funds. Today was my final attempt of contacting the Bank of America pre-paid card claim center Agents to receive the resolution. The Contact for Bank of America Call Center given to me for this task, from my initial Communication is XXXX.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (NY)

Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX, New York XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include XXXX XXXX XXXX  XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report. 

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration. 

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Affirm Holdings, Inc (FL)

I bought XXXX dresses from XXXX  and paid using Affirm. The dresses were of poor quality and I returned both to XXXX  and received email acknowledgements on XX/XX/XXXX that both were received. I have the email receipts. 

I saw that I would be charged for another installment for each dress on XX/XX/XXXX. I contacted Affirm 's online help the rep stated that credits were showing on the account for both returns. I asked if I would be charged anyway and he stated there was nothing he could do. He suggested I write Affirms website : XXXX XXXX XXXXXXXX Sure enough my account was debited another payment for each dress again on XX/XX/XXXX despite the fact that their online rep acknowledged the credits in the system. Subsequent follow ups discussed the wrong purchase. 
When they know I no longer have the merchandise and cage me this seems like fraud. Also I don't know when, if ever, the merchant credit will show up on my account.
Consumer complaint received 2023-04-11
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. (MA)

XXXX XXXX account XXXX has violated my rights under 15 U.S.C 1681 S602 A : I have the right to privacy 15 U.S.C 1681 S604 A S2 : A consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) : No consumer reporting agency may make any consumer report containing 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 2023-04-11
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. (KS)

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. 

Account name : XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXXXXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX ( XXXX ) Account name : XXXX Account # XXXX XXXX ( XXXX ) Account name : XXXX Account # XXXX ( EQUIFAX ) has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-04-11
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. (GA)

I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.