davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates.

Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Gap a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 



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Consumer complaint received 2023-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have received letters stating that they have ceased investigation of my credit reports because, in their opinion, they believe that I have used a third party credit repair agency which I have not but there is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. Ive disputed this US BKPT CT IL XXXX Reference number XXXX with the credit bureaus XXXX, XXXX, and TransUnion -Which two of them ( TRANSUNION AND XXXX XXXX confirmed the public record was verified by the court. I asked Transunion and XXXX to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX Reference number 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
Consumer complaint received 2018-06-15
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. (GA)

This complaint is in reference to information in my credit file. I recently received a copy of my credit report that XXXX, XXXX or Transunion publishes and after reviewing it I found a number of items on my report that are inaccurate. Im terribly upset after finding out that my report shows a series of erroneous items. I understand that XXXX, XXXXXXXX or Transunion should not be allowed to put an inquiry on my file unless I have authorized it. My credit reports showed credit inquiries that I did not authorize. I also have Extended Fraud Protections/Alerts placed on my credit files with my phone number listed requiring I be notified before my credit is accessed, that did not happen. The only inquiries from companies that should have had access my credit report are the following companies that I have authorized which are : XXXX XXXX, XXXX, XXXX and Mortgage Shopping for my home loan. These multiple inaccurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & they are obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, and each and every one of the items listed below needs to be removed. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please have the credit inquiries that are listed below removed immediately from my credit file as they are unauthorized and are related to none of the aforementioned permissible : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX (  XX/XX/XXXX ) *This inquiry is 2 years old. XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove all non-account holding inquiries from my credit report immediately as they are unauthorized!. I recently received a copy of my credit report from XXXX, XXXX or Transunion and after reviewing it I found a number of items on my report that are inaccurate and unauthorized. I have a Fraud Protection on my file so those inquires were not authorized by me. I advised XXXX, XXXX or Transunion, to no avail.
Consumer complaint received 2018-06-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Worldwide Processing Group, LLC (LA)

I receive many call from local numbers. I dont know any of these. I answered one and they said they were from Forward recovery movement. They said I owed a loan many years ago. I didnt. I told them to prove it so they said they would send it. I recieved a letter from XXXX XXXX XXXX stating I owed money from companies I never heard of.. This was made on XX/XX/XXXX. I think this XXXX is a fraudulent company giving an A+ rating th these people. The only one I had was paid thru XXXX XXXX XXXX. XXXX was my rep. Their number is XXXX ... I owe no one. I want the calls to end. They call my work, they call me with fraudulent phone numbers. If they were legit they would give me names and dates from the original loan. The loan was paid years ago. And the company sold my information to another. Now they want monies not owed them. They say the new owner is XXXX and XXXX XXXX. And Original creditor is XXXX # XXXX I have never heard of either.
Consumer complaint received 2018-06-18
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: EQUIFAX, INC. (TX)

In XX/XX/XXXX a charge off account was 'DUMPED '' on my personal credit report. It was a XXXX credit card for a company, XXXX , XXXX, which I was one of 3 owners of. However, I did not operate this company, a person by the name of XXXX XXXX did. He was one of the owners and had 100 % operational duties. It appears as though he secured the credit card in XX/XX/XXXX and paid it on time thru the business checking account until early XX/XX/XXXX. XXXX never once sent me a notice this card was late, or being charged off, even though I was currently doing over $ 500k of business with XXXX. I have disputed this card since it " appeared '' on my credit file with all 3 reporting agencies, demanding that I be shown where I requested, authorized, or signed for this credit card. To date, I have not seen the application. However, even though I have disputed this account numerous times, I am only told that XXXX " determined it was mine ''. When I ask how they did that, I am never told. The only way to verify it as mine would be for XXXX to produce the actual application with my signature on it. They have not, but the agencies still " assume '' it is mine and takes XXXX 's word for it. I have a right to see the application with my signature, and the credit reporting agencies do as well, if they are truly going to verify the account is mine. Otherwise, it must be removed from my credit file.
Consumer complaint received 2018-06-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

I have spoked with Chase banking representatives who keep transferring me to different departments and are unwilling to remove the hold on my account. They are rude and disrespectful and are not allowing me to use my chase debit card with the XXXX logo. I have completed the steps with my email address to verify that I am able to use the card. Why is the fraud department harrassing me and asking me to step inside a branch. I am XXXX and do not feel comfortable steeping inside a branch. This is a invasion of my privacy. Please assist me. Thank You.
Consumer complaint received 2018-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2018 @ approximately XXXX I made a cash deposit through the ATM at the TD Bank Branch, XXXX XXXX. The machine took the money and then returned some. During the transaction and after keeping {$1500.00} - {$1500.00} the machine stopped an error message appeared my card was kept and no receipt given. 

I went to branch the next day and was told 3-5 days to solve, then 5-10 days now way past that time I received a letter stating there was " no error ''. I am not permitted to speak with the person making the decision, but was told they " reviewed '' the video and that's it. No documentation, no audit of the machine, no acknowledgment that my card was taken. Bottom line TD does what it wants and I'm out {$1500.00}.
Consumer complaint received 2018-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (FL)

{$150.00} was deposited into my checking account and the teller advised the funds would be available on the same day however they were not. I called the bank and after being hung up on twice and have agents on the other end of the line not respond 3 times when I finally did get to speak to someone I was told there was nothing that could be done because theres no record of the deposit. I was also badgered by an agent who asked for my social security number, joint name on the account and because I was unable to tell her the amount of my last deposit amount she refused to continue the call, she would not ask any other verifiable questions and advised no supervisor or manager was available after I requested to speak with one. Compass employees took no concern or interest in my missing money.
Consumer complaint received 2023-04-19
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. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX  Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00}
Consumer complaint received 2018-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was selling furniture on XXXX. And I got a check and deposited it. But they send a amount more than the furniture because they wanted me to send the rest to the movers. So I did by using XXXX on my bank account all and the check bounced 3 days later. But the check funds were in my account before the check bounced. So they money I sent was my money. I called the bank and they said they cant do anything because I did everything. The bank is fifth third. No one told me that a check can bounce after it was already funded in my account.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My address still shows old Tennessee information. The address says my current address with a PO Box and home address in XXXX Tennessee. The previous address shows my current information where I live now is shown as previous address. They have this information backwards!
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I have an alleged debt from XXXX XXXX property management that went into collections. The collection agency is XXXX XXXX XXXX. I called in XXXX asking for written verification to be sent to me, they told me they do not send out letters due to being an eco-friendly company. I wrote a letter asking for verification in XXXX and there was no response. I disputed the debt with XXXX and XXXX in XX/XX/XXXX ; they did not verify the debt with XXXX so it was removed from my credit report from that bureau. However, they did verify the debt with XXXX. I called them in XX/XX/XXXX to request information to be sent to me, but I was sworn and yelled at by a supervisor and called names, before he hung up on me. I called again and someone took a message, I have not received a call back. I had an attorney send them a letter in XX/XX/XXXX also, they still have not responded to him or me. I have also called and left messages for the original creditor. XXXX XXXX, asking if I could settle the debt with them without any response back to me. XXXX XXXX XXXX is adding interest to this debt every 7 days, but won't allow me to pay anything, because I can not get in touch with anyone! I have no way of verifying this debt nor do I have anyway to pay this debts off.
Consumer complaint received 2018-06-18
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. (CA)

XXXX XXXX is showing as a charge off when it has been included in the chapter XXXX bankruptcy repayment plan. XXXX XXXX XXXX XXXX was removed when all I disputed was the 30 days late because it was never late dropping my score. Dept of education should have fallen off I was not late and anything to do with student loans  is being reported incorrectly because they were consolidated and deffered. XXXX XXXX XXXX was paid but is still showing as a collection. Per federal bankruptcy regulations no account can show past payment history only that its included in the repayment plan and that its being paid. On all three credit bureaus most of the accounts on my report are incorrect they are either showing as late when they are not they are showing as a charge off when they are not they are showing as a collection when they have been paid. I have attempted to dispute this information with the reporting agency and the incorrectly remove accounts or say that it is correct information or they do nothing at all. I have them tried to contact the credit bureaus and get nowhere. The credit bureaus have messed up my credit so bad that I went from a score of 600s to mid 500s.  While yes I have bankruptcies on my credit the chapter XXXX is a repayment plan in which all accounts are included and being paid but are being reported incorrectly as well as information on my credit remains from 2007 which should have been removed. I am trying to get my credit report fixed so that I may buy a house and every single time I try to get the information reported correctly the credit bureaus XXXX  it up even worse and anybody you speak to is either rude or they don't speak hardly any English due to outsourcing. I really need some help.
Consumer complaint received 2023-04-19
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is showing as a charge off when it has been included in the chapter XXXX bankruptcy repayment plan. XXXX XXXX XXXX XXXX was removed when all I disputed was the 30 days late because it was never late dropping my score. XXXX XXXX XXXX   should have fallen off I was not late and anything to do with student loans is being reported incorrectly because they were consolidated and deffered. XXXX XXXX XXXX was paid but is still showing as a collection. Per federal bankruptcy regulations no account can show past payment history only that its included in the repayment plan and that its being paid. On all three credit bureaus most of the accounts on my report are incorrect they are either showing as late when they are not they are showing as a charge off when they are not they are showing as a collection when they have been paid. I have attempted to dispute this information with the reporting agency and the incorrectly remove accounts or say that it is correct information or they do nothing at all. I have them tried to contact the credit bureaus and get nowhere. The credit bureaus have messed up my credit so bad that I went from a score of 600s to mid 500s. While yes I have bankruptcies on my credit the chapter XXXX is a repayment plan in which all accounts are included and being paid but are being reported incorrectly as well as information on my credit remains from 2007 which should have been removed. I am trying to get my credit report fixed so that I may buy a house and every single time I try to get the information reported correctly the credit bureaus XXXX it up even worse and anybody you speak to is either rude or they don't speak hardly any English due to outsourcing. I really need some help.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: DOLLAR MUTUAL BANCORP (PA)

He worked with Changing the XXXX XXXX and XXXX XXXX  since their inception in XXXX before their bankruptcy going on two years ago. We ranked in customers who spent {$5.00}, on our products weekly. Dollar Bank never reimbursed him the {$28.00}, that was earned since XXXX of XXXX 

They instead overdrafted his account {$45.00} and insisted that he pay that overdraft or else they would close terminate their agreement in one year. Must be nice that he is crazy and everyone knows it for something they insist never happened.
Consumer complaint received 2023-04-09
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: SYNCHRONY FINANCIAL (CA)

XXXX XXXX, I purchased several round trip tickets for XXXX in XXXX for a wedding happening in XX/XX/XXXX. Because of covid-19 that flight was canceled and rescheduled for a later date. I soon found out thru XXXX news that XXXX was having employee strikes and in possible verge of filing bankruptcy. I advised my credit card company to the above mentioned and told them that i was not getting the service i purchased and that the airline was only willing to provide vouchers. I told the credit company that i was going to lose my money and they initially gave me credit and disputed with the airline whom in turn told them i purchased a non-refundable tickets. I explained that i did not cancel nor did deny to fly, the airline never provided the service and at the end the company filed XXXX and i lost the money and still paid my credit card. i believe if the credit card company would have taken my side this would have never happened. I feel that based on thier actions they should be the ones responsible for the loss. MasterCard thru Sams Club is the credit card issuer.
Consumer complaint received 2018-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I disputed the XXXXXXXX XXXX account XXXX with all 3 Credit Reporting agencies they updated I accurate information noting that the furnished of the information Guaranteed that the information was accurate. The FCRA says that these companies must do an independent investigation not jut take the furnishers word for it .they are willfully violating the FCRA an also my rights they have the proof that this account is not accurate but in fact erroneous an should be deleted  according to federal consumer protection laws .this account has been reporting in error since it opened with the creditor breaching the contract with an unscheduled monthly payment before payments were scheduled to begain.