davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-03
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. (FL)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-01-03
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. (NJ)

XXXX XXXX XXXX has been posting inaccurate information on my account for 6 years in order to extort money from me. They are using unauthorized information to damage my credit report and the credit bureaus aren't doing anything to fix it. Transunion will not remove it even though the account is fraudulent.
Consumer complaint received 2024-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

Hello CFPB, there are multiple fraud charges in my debit card going to XXXX, I dont use XXXX  at all. 

Fraud charges totaling over $ XXXX this is by no means a small amount of money to be losing. i went online and submitted a Regulation E claim with Wells Fargo. someone managed to steal my funds with stolen debit card. Some transactions are still pending so i cant file a claim for those yet but ALL XXXX  transactions in my account are FRAUD. 

Never had any issues with Wells Fargo before, its still my favorite banking experience so far! 

Claim Number : XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I disputed two fraudulent accounts on my credit report. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After I submitted dispute equifax began reporting bright star as open When it was previously closed I submitted an ftc report along with my formal dispute vis USPS certified mail.. 

THEY REFUSED TO DELETE ACCOUNTS although I have provided proper proof
Consumer complaint received 2016-06-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY (FL)

American Express had a XXXX Membership Rewards bonus for a new AMEX Platinum Card. I have had numerous AMEX cards over the years so I believed I only had the Business version of this card. I asked on their live chat and I was given the list of previous cards, this personal Platinum Card was not on this provided list. I even asked him to verify before I applied, he assured me I never had this card. After charging over XXXX on the card I was told online that I indeed had the card. I asked him to pull the chat and he said the agent made a mistake. The classic issue here is that AMEX can tell you when you apply that you do not qualify, instead they let you get the card issued, make your spend, and then are told by AMEX you do not qualify. These IT systems are smart enough to know if you qualify at application. This AMEX process is flawed and in many ways fraudulent. This company needs to address this issue, none of the other major banks, including XXXX and XXXX are so deceptive.
Consumer complaint received 2019-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Securus J Holdings, LLC (OH)

The Jpay company is a service provided to sell products to the XXXX of Ohio such as media players, games, music, stamps for email communications, etc. Yet this company is just ripping the XXXX  off by selling defective products, and abusing the system for profitable gain and not rendering adequate service. I purchase my son XXXX XXXX # XXXX a XXXX media player at the cost of {$150.00} and paid {$50.00} for games & music to be loaded on it. The media player arrived at the XXXX defective and would not work. My son has been complaining to this company for months and they refuse to even acknowledge his every attempt to correct or resolve the problem.I am on a fix income and do not have money to give away to this company. They also kept the {$50.00} and refuse to give it back as well. My son is not the only one this has been done to according to XXXX XXXX search. I am hoping you can help us retrieve another player that works and forward the music & games that was purchased or give money back. I pray that you take a good look at the what this company is doing because they feel the XXXX are powerless against them because they can't speak out for help.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AL)

I have two cards with Synchrony Bank beginning in XXXX. Almost every payment with this company has been a struggle. Ive called them numerous times to have the late fees and extra fees taken off because they said my payment didnt go through. Id call my bank every month to find it was never posted. This company is making 29.9 % enterest + late fees for every account thats late. I battled them every month to protect my credit score and my bank account. Im sure I am not an isolated case. My daughter also had the same issues. On XX/XX/XXXX she paid {$1500.00} on the account and received threats and calls about her 2 month past due payments. Im paying her bill off today {$3100.00} to be rid of them. They should be investigated.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

I recently applied for a loan and the amount I applied for was reduced due to Suntrust Mortgage not updating my mortgage to closed and transferred to XXXX. Therefore, it appears that I had two mortgages instead of one. I contacted Suntrust mortgage today ( XX/XX/XXXX ) and was advised I had to wait for 30 days for the dispute process to be completed. I advised my information could be updated via XXXX with less time ( 72 hours ). The mortgage customer service agent ( XXXX ) and her manager ( XXXX ) reached out to the Credit Manager who denied this was possible and they do not have access to XXXX. I would expect small establishments not to have the service due to expense not a large corporations such as Suntrust/Truist . I felt it was dishonest for them to deny their access to this system and their unwillingness to escalate the issue since it was their negligence that impacted my loan negatively. My mortgage has been with XXXX bank since XX/XX/XXXX. I think that is more than enough time for a company to update a tradeline. If the a Credit Manager is not aware of XXXX and how it works that also presents a concern.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 
Let me be VERY clear : If these inaccuracies are not removed from my credit report within 15 days of this notice, I Request that XXXX, Equifax and XXXX pay an invoice for XXXX for violations of the FCRA, seeking damages for your willful non-compliance and negligence. This could result in significant financial penalties against your organization. Additionally, I am now filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and informing my states Attorney General of your violations. Consider this your final opportunity to comply with federal law.
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Opened a 5/3 checking account online, in response to a hardcopy mailer ( attached ) promising {$300.00} bonus 10 business days after making qualified deposits. I made the deposits via direct deposit of my paycheck. Exactly as specified in the offer. 

No bonus was received as specified. I tried contacting 5/3 via their barely functional online Chat feature, with barely sensible responses. Finally gave up on that and called their Customer Svc # -- spent a half-hour with multiple representatives, plainly laying out the terms of 5/3 's mailer and how my actions met their terms. And getting, " I don't see that your account is eligible for any bonus. '' Finally the last rep said, " you'll need to go into a Branch to resolve this. '' There is nothing in the terms of this offer requiring me to go into a Branch to secure the promised Bonus. 

Side note : 5/3 's website is barely functional. There is no way to email this company. All they offer is online Chat, regardless of their Customer Svc hours. To get to Chat, they send you to an endless loop of " Login to Chat '' -> Login Again -> " Login to Chat '' ... Over and over. Almost like they don't want to let you log a service ticket / email. Horrible, horrible experience with this bank.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2019-06-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems (TX)

I have repeatedly disputed and asked that Midwest Recovery either provide proof of a debt on my credit reports, or remove it altogether. To date, they have received me letter, not marked the account in dispute, not provided any information showing the date of first delinquency, original documents showing that I owe this debt, provided chain of custody proof that they now own this debt. I have also filed a complaint against XXXX and XXXX, as they have both validated this debt, but there is NO information on dates etc. on my credit reports. If there were, they would realize that either this debt is not mine, or is well outside of the reporting limits. The USPS tracking number of that letter is XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-14
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: The Bureaus, Inc. (PA)

I have tried to offer a fair settlement to this account based on what I could afford. They are really mean. They refuse to even discuss it. They yell at you on the phone and the last girl said she was going to tell them to take legal action even though the debt is old and out of statute. Bottom line, they refuse to work with consumers. They would rather get nothing and continue to hurt consumer credit if you can not afford to pay them the full amounnt.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

There was an issue with an overpayment ( double payment made ) being applied to my credit card account in XXXX with Synchrony bank. The bank sent a refund check ; however, I did not received the original check. I called the bank and they re-issued another refund check. 

On XX/XX/XXXX I received the re-issued refund check in the amount of {$3600.00}. As of XX/XX/XXXX I received an e-statement by email from Synchrony stating my current balance is {$3600.00} with a minimum payment of {$37.00} due on XX/XX/XXXX. The credit amount that was originally showing on my credit card account was due to an over-payment by me and a refund should rightfully be given to me. It appears that Synchrony bank as added the amount back to my credit card account and it's now showing a balance. I am not sure how this error could have taken place but this needs to be rectified quickly. The issue I have is this balance has now been reported to the 3 major credit reporting agencies for this statement period. This error has adversely affected my credit score/rating as my score has now decreased. Other creditors may see this decrease in score and it my impact their decision in weighing my creditworthiness. 

Thank you so much.
Consumer complaint received 2021-12-22
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: Experian Information Solutions Inc. (WA)

I entered a dispute with Experian and they received it on XX/XX/2021 with a certified mail return receipt.. I have not received any results from my dispute. Also have not received my consumer report and Consumer File.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I HAVE NOT SUPPLIED PROOF UNDER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS ud PURSUANT TO 18 USC 8 , L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO -15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814.
Consumer complaint received 2024-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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 XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance Owed : {$0.00}