davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-30
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. (GA)

I have submitted two requests to Experian to verify and validate two charged off accounts appearing on my credit report. I have requested they provide me the copies of the original signed contract, all relevant account information, and the name of the person whom verified the information. The accounts are with XXXX XXXX and XXXX XXXX. My first request was submitted to Experian on XXXX XXXX, XXXX. Their response stated that the information reported was verified. I then submitted a second request on XXXX XXXX, XXXX and again the response only stated that the information provided was verified. These responses are inadequate under the FCRA as they failed to provide the requested documentation and method of verification. I request that Experian conduct a proper re-investigation and provide me with the information requested. I also request that Experian provide me with all relevant documentation they have in their possession and receive as a result of their re-investigation. I understand that Experian out sources all of their disputes to foreign contractors and they are given between 18 and 90 seconds to investigate disputes. This in and of itself is a violation of the FCRA in that a proper re-investigation is not conducted.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

American Express offers a feature to pay for each transaction you make during a statement period. This is a nice feature to allow consumers to try and reduce balances that are assessed interest. The problem is that American Express only allows the consumer to pay for up to 5 transactions per day and then locks you out from making anymore payments. Also, transactions over {$100.00} can not be paid and instead they offer the " Plan It '' feature, with most " plans '' being 24 months. A fee is assessed every month for this feature so obviously the longer the duration of the plan, the more American Express can collect in fees. If you don't opt for this, then that transaction is subject to interest at market rate. With this " Pay It '' feature, I paid off all 5 of my transactions for the billing cycle the day before my bill was due. On the day that my minimum bill was due, I attempted to make a payment in the app and was locked out of doing so. I attempted to call to make a payment but was transferred to a representative that claimed they too were unable to process a payment, that I would NOT be assessed a late fee, and that I would be able to pay that remaining balance the following business day. The due date was a Saturday, the payments were on a Friday and I went back to the app on Sunday where I not only was able to make that payment but I was also charged a late fee. I called to get American Express to honor the statements their representative made regarding no late fees and was told because I had recently had my request to reduce my interest approved, I was not eligible for a waver. This entire process is predatory and anti-consumer. The 5 payments/day and then locking consumers out of any further payments is clearly a sneaky way for American Express to charge late fees to further their profits on predatory intended practices.
Consumer complaint received 2023-03-13
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-13
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: TD BANK US HOLDING COMPANY (IL)

In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604A section 2, It also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

This is my third attempt to correct this issue through CFPB. Each time Im told by XXXX that theyve corrected the error but the issue is STILL not fixed. Ive contacted them directly since XX/XX/2022 several times with no resolve which is why I turned to CFPB. My mortgage was transferred to XXXX in XX/XX/2022 it was supposed to take 60 days for credit reporting to update. It did update on XXXX and XXXX but NOT on EXPERIAN. The first CFPB complaint XXXX  stated they contacted experian and it would report in 30 days, 30 days passed and no update. I submitted a second complaint with CFPB, XXXX responded it can take 60 days this time. This is my third complaint through CFPB, Im hoping this time they will FINALLY resolve the issue and have my mortgage report to experian!
Consumer complaint received 2023-03-13
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have already reached out to Bank of America National Association I was told by XXXX a supervisor in funding they have completed the performance on XX/XX/2017. Performance transferring the principal to the principal account for the principal. Federal Reserve Act Section 16. Note Issues The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington , District of Columbia, or at any Federal Reserve bank. Misleading representation and hiding that disclosure.
Consumer complaint received 2023-03-13
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-13
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX  Balance : {$10.00} XXXX XXXX Balance XXXX {$3500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On 2 separate occasions, XX/XX/2022 and XX/XX/2022 I was solicited to apply for an additional line of credit at conclusion of me calling Bank of America on an unrelated matter. I actively manage my credit and at the time had 6 active credit inquiries on XXXX and XXXX on XXXX and XXXX. I was not actively seeking new credit and one of the reasons was that I didn't want to have any more XXXX  inquiries. On a recorded line I state this and am told that XXXX credit report would not be pulled and I then consent to apply for the card with the caveat that XXXX won't be pulled. I understand that the entire phone conversation to be part of my agreement with Bank of America. I am then declined for credit, which is exactly what I knew would happen, because not only did they not honor the agreement to not pull XXXX they didn't run any other Bureau report, doing exactly the opposite of what they agreed to and compounding the reason for the initial agreement. I called B of A and have filed several complaints after XX/XX/XXXX and was told that I had to file a dispute with the credit bureaus and the credit bureaus have told me I have to have it removed by B of A. With XXXX I tried to dispute this the only way they allow and that is as a fraudulent inquiry, which this is, but not the particular type of fraud their process allows for. I have spent several hours elevating the call after each rep told me there was nothing B of A could do and finally told that someone would call me back ( 2 occasions ) with one rep, after I asked what to do if I don't get a call back from a manager, saying he would follow up with me to make sure that didn't happen. This is such a minor issue ( yet major as it only affects XXXX points on my XXXX  report yet will disqualify me from receiving many types of new credit even though my XXXX  is near XXXX ) that shouldn't have happened, should easily have been able to resolved by listening to their own recording of our conversation, that has cost me countless hours, messed up my financial plans and is not something I would ever have expected from Bank of America ( to be solicited and lied to like an unscrupulous used car seller ). If this ever gets resolved it will probably too late to matter as the damage has already been done and we are coming near the 6 month mark but as a matter of principle I must pursue this and if for no other reason that B of A become aware, if they are not already, that there is a major problem if customers are being intentionally mislead. XXXX should have a process for disputing anything they put on my report that is inaccurate.
Consumer complaint received 2023-03-13
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. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX  XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2017-09-29
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. (TX)

XXXX is an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are three different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into one account. Therefore, for the last four months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last four months consistently, it has come at the same time every month. 

After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made two payments consistently. I contacted XXXX and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status. 

Not only have I reached out to XXXX regarding this, but I have also reached out to the three major credit bureaus. They only report the payment going lower and not the payment itself. 

This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- XXXX XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.
Consumer complaint received 2017-10-23
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. (NJ)

Since the breach my credit file at Equifax has been in complete disarray. I first complained to XXXX in XX/XX/XXXX regarding all of these Bankruptcies appearing on my credit report. They were removed except for the actual Bankruptcy that I filed on XX/XX/XXXX. Since XX/XX/XXXX all of the bankruptcies had reappeared on my credit report. I have attached the credit file and the letter from the company that they stated on the credit report that they received this bankruptcy information from. The letter states that they have deleted those bankruptcies and have communicated to Equifax to remove them but Equifax has not. 
Since my first complaint to XXXX my credit file had been moved to another customer care unit that has also re-inserted all previously removed fraudulent accounts back onto my credit file. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened fraudulently and I sent Equifax along with the other Credit Bureaus the FTC Affidavit and a police report. As stated before they were removed and when I complained to XXXX they were re-inserted and they refuse to remove them and now my credit report is being handled by a special unit in Equifax who blatantly refuses to investigate properly and remove the fraudulent accounts off of my credit report. 
Please remove the accounts and the bankruptcies and resend a new credit report.
Consumer complaint received 2017-09-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

I have contacted ARS at the phone number XXXX regarding multiple accounts listed on my credit report, they are all listing duplicate and re-aging on my credit file. I have a seeked a lawyer as this info is damaging. There are three accounts listed {$29.00}, {$74.00}, {$1000.00}. I have asked over and over to please send info and prove how I owe the debts amount. I have yet to receive anything. I spoke with an agent name XXXX back in XXXX XXXX who advised she will have a lawyer contact me and open up a lawsuit if I dont send a check and address it to XXXX XXXX XXXX XXXX XXXX FL XXXX. I also called other times where agents advised they will not resend anything to me. At this point I want to pursue with a law suit for these so called alleged charges from XXXX
Consumer complaint received 2024-10-28
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2017-10-23
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. (FL)

I CHECKED MY CREDIT FILES AND THE FRAUDULENT INFORMATION I FOUND WAS ( US BKPT CT FLORIDA XXXX XXXX ), ( US DISTRICT COURT ) ON THE PUBLIC RECORDS PART OF MY FILE. ALSO XXXX XXXX IS A FRAUDULENT ACCOUNT I GAVE NO ONE CONSENT TO USE MY PERSON INFORMATION TO OPEN THESE ACCOUNT. I ALSO ATTACHED MY POLICE REPORT. VERY IMPORTANT ALSO IN HAVE FRAUDULENT INQUIRIES ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). ALL FRAUDULENT INQUIRIES
Consumer complaint received 2017-10-23
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. (FL)

I CHECKED MY CREDIT FILES AND THE FRAUDULENT INFORMATION I FOUND WAS ( XXXX XXXX CT FLORIDA XXXX XXXX ), ( XXXX XXXX XXXX ) ON THE PUBLIC RECORDS PART OF MY FILE. ALSO XXXX XXXX IS A FRAUDULENT ACCOUNT I GAVE NO ONE CONSENT TO USE MY PERSON INFORMATION TO OPEN THESE ACCOUNT. I ALSO ATTACHED MY POLICE REPORT. VERY IMPORTANT ALSO IN HAVE FRAUDULENT INQUIRIES ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). ALL FRAUDULENT INQUIRIES
Consumer complaint received 2017-11-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC (ID)

The summer of this year our heating and cooling system broke down beyond repair. We got a quote from a company named XXXX XXXX XXXX XXXX XXXX located in XXXX, Idaho. The quote they gave us was for 2 kinds of systems and they said they would apply for a loan for us to pay. We were going to make a payment of the difference but never heard from anyone about that and once the work was completed many week later I saw that the cheaper system was installed. The first quote was for a system that rated XXXX XXXX in the amount of {$9900.00}. The second was for a better rated system rated XXXX XXXX that would be {$1300.00} more. We asked for the better system and the person we spoke with said they could wait for a payment of the difference. The work took much longer than we thought it would, weeks longer. When it was completed I saw that they had installed the cheaper system but we had been billed for the higher priced one. I contacted the loan company as soon as I knew what company we had the loan with. Greensky, they billed us for interest right away. I made a payment for the interest amount before the work was even completed and contacted them to let them know the amount was incorrect. I had to contact XXXX XXXX XXXX XXXX XXXX several times to let them know we had been billed incorrectly and finally was told they would correct the error. Still after all these months the error has not been corrected. We have been overcharged interest and the original loan amount was incorrect. It took over a month for them to install the unit but the loan was taken out and interest started before work was completed. I keep getting a run around with the loan company. I was told things would be corrected months ago but nothing has changed and we keep getting charged more plus interest and fees. 
The loan company is XXXX XXXX XXXX. The first statement I have was in XXXX 2017. 

XXXX XXXX
Consumer complaint received 2017-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (GA)

I have yet to receive notification from this company of any validation that I owe a debt. I spoke wth several agents over the phone advising me that they didnt not have an address on file for me, but yet still placed something on my credit report and not giving me any chance to validate or verify who or what. I plan to take this to the BBB and hire a lawyer.