davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
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. (MS)

Experian, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-07-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021 I wrote each credit bureau to dispute negative items to date they are in violation due to them not responding within the 30 days time frame. I explain in my letter that I will pursuit legal matters
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I got a bankruptcy, more than 7 years ago and it continues to appear in all my credit reports, Equifax, XXXX  and XXXX. 
Supposedly the punishment for a Bankruptcy is that it goes out reported for 7 years, and those seven years have already passed, and all the credit bureaus continue to report it
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CRE Credit Services (AR)

I signed up with XXXX XXXX XXXX  back on XX/XX/2021, they set me up to pay an up-front fee of {$140.00} on XX/XX/2021, and to pay {$99.00} a month after that. At that time, I was not aware that A Credit Repair Organization was not supposed to charge an up-front fee for Credit Repair Services. After two months went by without seeing any results, I canceled their services. It is apparent that XXXX  did not perform any of the duties they were supposed to perform, because I never received a letter from any of the Credit Bureaus based on the disputes that should have been conducted. 
The only work I received that was done by XXXX was my Credit Report being pulled by them. My XXXX  sent disputes letters to the Credit Bureaus on my behalf, and I saw results within the first month and that showed me that XXXX did absolutely nothing but rip me off! I paid a total of {$240.00}, and I would like a full refund back! The Documents are attached to this complaint. 

According to Federal Law, no credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (CA)

The current problem I am having with American Express is that I am paying a monthly payment of {$90.00} per month for the last ( 2 ) years and I notice my balance is still the same basically. Since I have not made any purchases and the card was closed 2 years ago since I entered into a financial program in order to pay off the card. The program allowed me to pay off the balance of the card at a lower interest rate. Since the balance had not gone down recently, I decided to check my recent statements. I found that I was paying {$47.00} - {$52.00} each month in interest and there was an unexplained fee on my statements of {$40.00}, {$29.00}, {$29.00}. Between XXXX, 2021 & XXXX, 2021, I have called American Express countless times, I explain the situation which takes about 2-3 minutes, I am then transferred to another person, I re-explain my exact situation and is put on hold and transferred another time. in XXXX, 2021 I was transferred a total of 4 times. I then contacted the XXXX XXXX XXXX. Finally, I get a call from American Express today explaining to me that they can not offer me any solution to my issue because the program I was in had ended after 1 year. I spoke to a Ms. XXXX XXXX today approximately XXXX XXXX She could not explain the fees I had encountered and was rude and inconsistent & showed no compassion, I explained to her that Amex gave me the impression that I was in this program until my bill was paid in full, and why would this company set-up a program for 1 year knowing the balance would not be paid off and the interest tripled making it impossible for a XXXX  on a fixed income to ever pay off. This is an unfair and taking advantage of a customer and forcing into bankruptcy. Unsuspecting consumers are drawn into a program in an unwitting way while this company well knows in 1 year the balance can not be paid and is something that is probably in the fine writing that no one will read. Thus far I have already paid approx {$700.00} in about 6 months in interest & fees alone and wish to have this reimbursement.
Consumer complaint received 2021-07-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a text message from a number saying that there was an attempted fraud on my account and asked me to authorize this transaction to which I said no. I then received a call asking to verify a few things on my account and to send the money to a new account to close the current one that was compromised. After sending this money to my own phone number the person on the phone hung up and more than {$3000.00} was taken out of my account and XX/XX/XXXXto a random person.
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NC)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (GA)

XX/XX/2021 and XX/XX/2021 I received confirmation that my account was set on autopay. My account was linked via plaid. The email confirmations sent on XX/XX/XXXX, and XX/XX/XXXX state my payment is set for auto draft, but as of today they are reporting a 30 day late payment which is incorrect. There system has major technical issues ; their system shows as of today I owe {$17.00} while at the same time I have a XXXX balance. They confirmed via email that my balance is XXXX and they returned my security deposit in XXXX. In XXXX they sent notice that their system was having issues but they refuse to respond to my request to correct my credit report.
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (AL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent letters asking them to reinvestigate these accounts listed below XXXX ( XXXX ) open date is not reporting correctly, date last active, date of last payment, this account is not accurate XXXX XXXXXXXX XXXX XXXX  XXXX ) open date is not reporting correctly, date last active, date of last payment, this account is not accurate XXXX XXXX ( XXXX ) open date is not reporting correctly, date last active, date of last payment, this account is not accurate Can you look into this matter
Consumer complaint received 2021-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After a comprehensive analysis of my credit report. I have 4 accounts with late payments that are negatively affecting my credit worthiness and are also in violation of the FCRA. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is " the term " credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. Pursuant to 15 USC 1692k- Civil liability I demand XXXX dollars for each violation as you have caused severe damage to my character.
Consumer complaint received 2021-07-17
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. (TX)

U S DEPT OF ED/XXXX {$5500.00} Closed 22 potentially negative months DEPT OF ED/XXXX  {$0.00} Closed XXXX late payments Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type - Balance on XX/XX/XXXX Loan Amount {$0.00} {$5500.00} Payment Info Status At least 120 days or more than four payments past due Status date XX/XX/XXXX Past due amount - Original loan amount {$5500.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - - - XXXX XXXX 120 120 120 XXXX 90 120 120 120 120 120 120 XXXX - On Time 120+ Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments CONSUMER DISPUTES - REINVESTIGATION IN XXXX XXXX statements - Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Is everything correct? 
Reminder : You are currently reviewing your Equifax Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to Equifax. Dispute with Equifax Online or by Mail at XXXX. XXXX XXXX, XXXX, GA, XXXX US DEPARTMENT OF EDU {$5500.00} Closed 44 potentially negative months DEPTEDXXXX {$0.00} Closed 9 late payments Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Balance on XX/XX/XXXX Loan Amount {$0.00} {$5500.00} Payment Info Status 120 days past due Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$5500.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 120 120 - - - - - - - - - - XXXX 90 120 120 120 120 120 120 XXXX - - - - - On Time XXXX20+ Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual account Terms 120 Months Company sold - Original creditor - Comments Account closed due to transfer Your statements - Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX XXXX, XXXX, PA XXXX US DEPT ED {$5500.00} Closed Unknown payment history
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

XXXXXXXX XXXX  states that I owe them {$130.00} from a closed credit card account that I never opened and has reported for the past year that I have not made a payment on the account. 
XXXXXXXX XXXX stated that on XX/XX/XXXX I opened a account for a secured card in the amount of {$300.00} at a address in which I never lived. They closed the account on XX/XX/XXXX after showing the account in good standing for a few months. This account was opened fraudulently by someone other than myself. Account number begins # XXXX I asked if XXXXXXXX XXXX could please send me a debt validation letter and they never have and Ive been asking them for the past year.
Consumer complaint received 2021-07-16
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)

Per, XXXX XXXX XXXXXXXX I am hereby demanding for action to be taken against this fraudulent account. Please see attached FTC report and verification that my identity has been compromised on the XXXX XXXX XXXX it is also important to note that this is not the first time that I have received this alert from XXXX XXXX Moreover, The XXXX XXXX XXXX is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. As such Transunion has repeatedly failed to both validate/verify this account and remove it from my credit profile. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account- otherwise it must be deleted IMMEDIATELY.
Consumer complaint received 2021-07-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

wells Fargo took My home and Shop in an unlawful short sale. The shop was for my LLC company.It was taken from me while I was XXXX and given to someone who couldn't get a loan. 
Rather than help me save my home and shop..
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I disputed a charged in the amount of XXXX from a merchant who did not provide the service. I was given a credit for my purchase. They then took the credit away stating that the merchant provided proof that I received the service. I asked for this documentation and asked to reopen the dispute I was denied this request. I was never given the documentation from the merchant and was not allowed to reopen the dispute. I submitted a large amount of documentation showing that I never received the service from the merchant.
Consumer complaint received 2021-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted information the credit reporting agencies to have information removed from my consumer reports based on federal consumer protection violations. I have sent numerous pieces of mail regarding the removal of those accounts and to no avail, there has been little response. I am asking that you please step in to ensure there is an active hand in reviewing the accounts, read the alleged violations and to confirm if they are indeed in violation based on the information that I had sent. 

I advised the consumer reporting agency that they were in violation of my consumer protection rights as well as provided them with a printout of that violation and why I believe they violated that US Code. 

The consumer reporting agency has violated 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave the credit reporting agency permission or written consent to report anything on my consumer reports. No consent, by federal law, constitutes identity theft.
Consumer complaint received 2021-07-19
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: BANK OF THE WEST (NM)

The XXXX XXXX XXXX  is reporting Negative Account - Collections on behalf of original creditor Bank of The West. Balance of {$460.00} is being reported as below : Individual ; Open ; Unpaid ; Collections- {$460.00} In fact this was a Joint account ( checking ) not an Individual account. On XX/XX/2018 Joint account ( checking ) was Closed per Bank of The West. Financial institution Bank of The West is also reported Joint account ( checking ) within other financial institutions as Account Abuse. There was discrepancies with the Routing and Account numbers being incorrect and different than what was printed on the ( 4 ) books of checks issued by the financial institution Bank of The West. I was only able to use my Joint account ( checking ) on 2 occasions as neither account holders were able to pay for goods using the above mentioned bank issued checks anywhere.
Consumer complaint received 2021-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

I sent a wire transfer of XXXX on XX/XX/XXXX to an escrow company to secure closing on a home. The correct information was added and the company came up when I put in the XXXX number. The account number however was a number off. I called chase and asked them why the wire transfer did not securely reach the other party. The said the account number was wrong and that I had to fill out an amendment which I did 4 times in a course of 3 days. I heard nothing back from Chase. On XX/XX/XXXX, I went into a physically branch and spoke to XXXX and she went through the system XXXX and spoke with a rep that gave me a reference number and they would escalate the issue. It's been a full week and I haven't heard anything back or received the XXXX back into my account. XXXX was nice enough to have them recall it but Chase has not updated me from the secure message on the app.
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

Account Name : NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2021-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX was sent a letter of dispute. After review of my credit reports, XXXX has not marked my account as disputed as required by the FDCPA
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Spring Oaks Capital, LLC (PA)

I was contacted by XXXX and XXXX claimed to sue me for a debt. The debt was owned by Spring Oaks Capital which through various searches the two companies are the same and XXXX uses Spring Oak as a front for debt collections. I set up a payment plan and XXXX canceled the plan and continued to ignore my messages and calls 40+ unanswered ( I have all documentation ). I contacted Spring Oak and they kept saying contact XXXX whom I did countless times and they ignored my calls. I emailed them multiple times and have filed several complaints with the state and they lie when they reply.