davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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)

EXPERIAN COMPLAINT XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Since I have been ongoing issues with Closed Credit Card Accounts I decided to access CFPB once more. Accessing My XXXX XXXX XXXX on CFPB, and requesting why my Experian Credit Report " Why this account is scheduled to continue on record till XX/XX/XXXX. " 10 Years '' Experian Reports : XXXX  XXXX, XXXX, and XXXX Bankruptcies and Unpaid Tax Liens which remain for " Up '' to10 Years! XXXX XX/XX/XXXX Paid or Closed Accts generally display for " Up '' to10 years from the date paid or closed
Consumer complaint received 2022-07-13
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. (CA)

I submitted a letter to the 3 credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 

XXXX XXXX XXXX Dates XXXX
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have been working on my Equifax credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX and there is XXXX XXXX XXXX XXXX XXXX, TX XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 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. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (IL)

received multiple emails regarding a judgement to be filed under my name for different accounts i have no idea. emails threatens to put me to jail if i dont respond in 24 hrs. responded to the different XXXX  accounts of the so called atty but has not received any reply.
Consumer complaint received 2023-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I had 3 debts charged off in XXXX due to financial hardship. Portfolio Recovery Associates all 3 accounts which were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I disputed all debts through the credit bureas process since the debts were charged off Portfolio had no legal way to recover the debt. Unfortunately it did no good and couldnt get Portfolio to stop calling and harassing me about the accounts. Portfolio Recovery has these accounts on my credit report even though they have been charged off. In XXXX I was able to pay of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX still is collections with Portfolio Recovery and I still get phone calls about it. 
Heres the information on the accounts. 
XXXXXXXX XXXX XXXX XXXX charged off in XXXX amount {$3000.00} XXXXXXXX XXXX XXXX XXXX charged off in XXXX amount {$1000.00} XXXXXXXX XXXX XXXX XXXX  charged off in XXXX amount {$3900.00}.
Consumer complaint received 2021-02-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (MD)

I have 2 vehicles each separate loans with Ally Financial. I am attempting to pay off both loans and asked for a payoff quote for both. They gave me amounts that are higher than listed on my account because of compiled late fees. I asked if they would work with me and please reduce the fees or finance charges and I can pay both of the loans off. I was told we dont do that at Ally. I have done this in the past and they always worked with me to get it off the books and be done with it. This company Ally calls me 10 times a day every day with different people leaving messages that sound like they are from another country. I just want them to work with me to take off fees. Can you help?
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AA)

I have been using PayPal since XXXX for standard transactions ( paying for XXXX apps, clothing purchases with XXXX, sending money to friends/family ). On XX/XX/XXXX I received an email that my account was permanently limited and that I will no longer be able to use PayPal. After reviewing all my recent transactions, I can not find any issues that may have violated terms of service. I've attempted to contact PayPal through the message function on the website. I have only received general emails directing me to their resolution page, none of the information is helpful in reactivating my account.
Consumer complaint received 2023-06-22
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-16
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: GOLDMAN SACHS BANK USA (CA)

I used my credit card ( Apple Card ) on XX/XX/XXXX to pay for fitness equipment. After placing the order I contacted merchant in XX/XX/XXXX to follow up on my order. I was not given a confirmed date for delivery of equipment nor an ETA. I disputed the charge with my credit card. It was resolved in favor of merchant. As per card company I authorized the charge which is true. However I am not disputing the charge as such but disputing the charge due to inability of merchant to deliver merchandise that I paid for. 

I contacted merchant again in XX/XX/XXXX. Merchant expressed his inability to fulfill the order, yet again. I am paid {$470.00} for goods that were never delivered and credit card company washed off their hands by not helping their own customer. 

I have shared the emails from vendor with my credit card company and even then they are not willing to take action.
Consumer complaint received 2021-02-17
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: Experian Information Solutions Inc. (NJ)

I've been attempting to remove the fraudulent bankruptcies reporting on my credit report since XX/XX/2020. Its been well over a year and not only have the bureaus provided verifiable proofs that they are mine, they have not even started their investigations since I have received no letters from them. I have reached out to the courts in question and mailed the letters of their findings to the bureaus and yet they are STILL reporting the inaccurate information. At this point, I'm tired of mailing certified letters and shelling out money on a dispute process that is supposed to take 30 days and is now taking over a year. The bureaus are comfortable violating my rights under the FCRA and the federal law and I've had enough. This is their last chance before I sue for damages and more.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bonneville Billing and Collections (UT)

Bonneville Collections is reporting erroneously on my credit file and it must be fixed immediately. I recently checked my credit and noticed this debt but this was paid off years ago? I was told upon payment they would be removing this account from credit. However, I noticed this account is still reporting on my credit. This account must be removed from my credit file, it is paid and settled. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, Citibank subtracted from my account {$2500.00}. The entry on by Citibank statement stated : " Return of Unpaid Deposited Check. '' I complained to Citibank that I did not have any {$2500.00} credit for check deposited into my account so how can this mysterious check be returned as " unpaid. '' Citibank provided me with a copy of an {$2500.00} check # XXXX dated XX/XX/XXXX drawn on an account of someone by the name " XXXX XXXX XXXX XXXX. '' The main point is that said check # XXXX does NOT appear as " deposited '' nor is there a {$2500.00} credit into my Citibank account at any time prior to XX/XX/XXXX. 

Since there was never a " credit '' of {$2500.00} into my account, the {$2500.00} subtracted on XX/XX/XXXX was my money alone and not Citibank 's money. 

Citibank continues to focus on some mysterious bounced check # XXXX, which check # XXXX may in fact have bounced in someone else 's account. However, since this check was never deposited into my bank account, how can Citibank remove my money to cover this check. 

My pleas to return my own money to me have been denied by Citibank
Consumer complaint received 2020-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (OH)

On Thursday XX/XX/XXXX, I received an alert via my credit monitoring stating two new collection accounts were now reporting. The two companies reporting these unknown collection accounts are : ( 1 ) Southwest Credit System ( 2 ) XXXX XXXX XXXX I want to be VERY CLEAR, I received NO notice from either of these companies. I don't owe either nor have I ever had any accounts with these companies. By law, I am afforded the opportunity to receive a notice from a collections company PRIOR to placing any item on my credit report. I demand both ( 1 ) Southwest Credit System & ( 2 ) XXXX XXXX XXXX remove these accounts from my credit file IMMEDIATELY. 

No notice of a debt was received nor had the opportunity to demand debt validation. Remove these accounts.
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nobilis Credit Management, LLC. (ID)

I received a voicemail on XX/XX/2020 at XXXX XXXX ( I was at work so, I stepped outside at XXXX XXXX  on XX/XX/2020 XXXX. I spoke with XXXX XXXX at Nobilis Credit Management LLC. I set up and paid the first installment of a 10 month payment plan. Once I got home after XXXX XXXX, my brother handed me a written message that XXXX XXXX had called and stated that he was attempting to get ahold of me in regards to 2 clients that had claims against. When I spoke to XXXX XXXX, he had mentioned only 1 client and that's the one I made arrangements to pay. The claim number I was given by XXXX and the one my brother had written down were the same, but the phone numbers were different. The phone number I was given is XXXX ext XXXX, the number my brother was given XXXX ext XXXX. There never has been any authorization for anybody to speak about debt but me and I do not know how XXXX XXXX had gotten my brother 's phone number. I am very upset with the way this was handled with XXXX XXXX and I am thinking of getting an attorney involved, that was a full violation to my privacy.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I sent letters to all 3 credit bureaus on XX/XX/21 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 45 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-02-16
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: EQUIFAX, INC. (IL)

I had a " soft pull '' of my credit done by a lender that I am considering for a mortgage. Upon reviewing the copy of my credit report I noted an issue noted by two of the major credit reporting agencies. The reports state that one of the " Key Factors that adversely affected my credit score '' is that there have been " Too many inquiries in last 12 months. '' Who is pulling my credit to cause this? I have not applied for credit cards, cars, etc. I am very concerned about identity theft as a result in addition to being miffed about my credit scores being affected. 
Please advise.
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

IN THE LATTER PART OF XX/XX/2020, I DISPUTED SEVERAL DEBT COLLECTIONS WITH ALL THREE CREDIT BUREAUS AND THE RESULTS CAME BACK AS IF NO INVESTIGSATIONS WERE MADE BY XXXX XXXX OR EQUIFAX. I MANAGED TO CONTACT THE DEBT COLLECTORS XXXX, XXXX, XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX AND UNABLE TO GET A COPY OF THE INVESTIGATION MATERIAL SUBMITTED BY EACH OF THE THREE ( 3 ) COLLECTORS. I TELEPHONED ALL THREE ( 3 ) CREDIT BUREAUS AND ASKED FOR A COPY OF THE INFORMATION SUBMITTED TO THE THREE ( 3 ) COLLECTORS AND I WAS GIVEN THE RUN-A-ROUNDS. I HAVE REASONS TO BELIEVE THE THREE ( 3 ) CREDIT BUREAUS ARE LYING ABOUT SUBMITTING ANY INQUIRY TO THE DEBT COLLECTION AGENCY FOR THEIR INFORMATION. I BELIEVE THEY PLACE THE DISPUTE ASIDE FOR THIRTY ( 30 ) DAYS AND DECIDE TO LET THE DEBT THAT'S BEING DISPUTED REMAIN ON THE CREDIT REPORT.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On Thursday XX/XX/2021 I tried logging into my Chase Bank checking account after receiving an email stating that I recently deleted my phone for use with Chase Mobile. It then stated If you have any questions about this message or believe you have received it in error, please contact us immediately at XXXX XXXX XXXX XXXX. I gave Chase Bank a call and they said that there have been unemployment deposits into the account totaling {$25000.00} over the past year and that they are closing my account and parting ways with me. They said they could not tell my anymore than that and that I need to go into a branch to speak with them about it. They did say to bring records from unemployment as proof of the deposits. I brought those into my branch and the banker called and spoke with someone and then said that they have decided to part ways with me and that he didnt have any details as to why and that they had already closed the account so the proof of the unemployment deposits was no longer necessary. He said that within 7-10 business days they will send me a check from my balance and a letter as to why they have closed my account. I said so I dont have access to any of my money for 7-10 business days?!?! He said yes. I can not believe that they can do this for someone. Leave them without their money for that long! This cant be legal!
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I applied for a Comenity Bank issued credit card, XXXX Visa while purchasing makeup at XXXX on XX/XX/2020. This company is listed on my credit report as XXXX XXXX Due to Covid-19 hitting in early XXXX, the mail was slightly behind and I did not receive my actual credit card and first bill until XXXX XXXX, 2020. I paid the bill immediately upon receipt on XX/XX/XXXX. The first bill said that it was due on XX/XX/XXXX. A late fee of {$29.00} was assigned to the account on XX/XX/XXXX, which was 27 days after the card was issued. I called in to dispute the late fee. The company representative assured me it would be removed and would not be a problem on my credit report. However, I later noticed that the late fee was not removed and I decided to close my account and did so. When I called in to make my final payment, the representative convinced me to keep the card open, acknowledged their mistake, and assured me that the late fee would be removed and it would not go on my credit report. This time, the late fee was removed and I thought all was well until I recently obtained a copy of my credit report and saw that Comenity Bank had listed my account as 30 days past due for XXXX of 2020. This bank promised me on multiple occasions that since my mail was late due to Covid-19 that this would not go on my credit report. They have already acknowledged this by removing the late fee. This is simply a mistake that needs correction.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO Bank, N.A. (MO)

BMO Harris has charged my account over {$250.00} in overdraft fees for charges that were reversed by them ( bank error ). Instead of allowing the charge to bounce, they allowed it to process, come out of the account, then reversed it 24 hours later and charged fees. This has happened multiple times for the same charge, resulting in hundreds in overdraft fees, with none of the bills actually being paid to the merchants. This is unfair and predatory for businesses going through rough times in a pandemic. 

I have reached out several times since late XX/XX/XXXX/early XXXX about the fees. Each time, I was told by the person on the phone that a manager has to reach back out to me about this, but no one reached out until today XX/XX/2021 after the account was closed. My business has been negatively affected by COVID and this is unacceptable. Had they returned my calls when I first requested, I would have qualified for the COVID relief program for overdraft fees and this would not be an issue. 

This situation and the fees are all bank error and I would like them to be reversed ASAP as I will not be paying them through a collections department or agency. I intend to speak with a lawyer about this if not rectified.