davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
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. (TX)

I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

Recently, I did an investigation on credit report and found several items on there to be inaccurate and fraudulent. 

Under 15 U.S. Code 1681e ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As of XX/XX/2024 the following accounts with XXXX  XXXX XXXX XXXX are in active arbitration due to an unresolved Billing Error : XXXX, XXXX, XXXX XXXX Case # XXXX According to 12 CFR 1026.13 ( 1 ) and ( 2 ) : Official interpretation of 13 ( d ) Rules Pending Resolution ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.

Official interpretation of 13 ( d ) ( 1 ) Consumer 's Right To Withhold Disputed Amount ; Collection Action Prohibited ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Consumer complaint received 2024-08-19
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. (NY)

I provided a transferable credit application to XXXX XXXX XXXX  in exchange for credit. However, a credit line was established of {$500.00}, and after I remit the payment the account was closed. Recently, being added to my report as non payment. Under the fair credit reporting act, XXXX  XXXX bank and Experian is in violation of : 15 USC 1681 15 USC 1681 ( b ) 15 USC 1681 ( b ) ( 2 ) 15 USC 1681s-2 In additionXXXX XXXX XXXX XXXX and Experian are also in violation of the Privacy Act of 1974 ( 5USC 552a ( b ) CONDITIONS OF DISCLOSURE.
Consumer complaint received 2024-08-19
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-08-19
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to file a complaint against ( XXXX, XXXX and Experian ) I have spoken to an abundance of XXXX, Experian, and XXXX representatives and supervisors over the phone over the past two years, and I have tried to resolve this issue, enclosed is documentation on CFPB website regarding various complaints regarding my dealings with these three companies Experian, XXXX, and XXXX. These three credit bureaus Experian, XXXX, and XXXX have violated my rights as a consumer and refused to delete the accounts above due to 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 ) X5 ) 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. 16815-2 ( 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. 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 ) X5 ) 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. 16815-2 ( 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. These companies below have violated my consumer rights above : Respectfully, XXXX XXXX XXXX Natural Person ; UCC-1-308
Consumer complaint received 2017-09-28
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. (GA)

I have submitted many letters to Equifax over the pass year notifying them that they have an incorrect birth year for me. Equifax have a birth year of XX/XX/XXXX. I was not born in XX/XX/XXXX, I was born XX/XX/XXXX. Please help me to get this information updated on my credit file. I have sent Equifax proof of this statement.
Consumer complaint received 2017-09-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (GA)

XX/XX/XXXX Overdraft Fee for XXXX XXXX ( {$5.00} ) {$36.00} XX/XX/XXXX Overdraft Fee for XXXX ( {$10.00} ) {$36.00} XX/XX/XXXX Extended Overdraft Fee {$36.00} Regarding the XX/XX/XXXX fees assessed. I had a balance of {$10.00}. When I was made aware I had overspent by a XXXX, I transferred a XXXX to the account from a payroll card provided to me by my employer. Due to the normal processing time, the transaction posted prior to my deposit. I reached out to Suntrust to reverse the fee as I would not be receiving a new deposit for a week and they refused. Because of this I was assessed 2 fees. One of which for extended Overdraft on account of the XXXX difference. 

Most recently I had a transaction that settled in the morning preceding my deposit by a few hours. It posted to my account showing a current balance of {$5.00} remaining. However due to pending transactions that had not yet been processed affecting my available balance, Suntrust assessed an Overdraft Fee. I contacted them to reverse this fee and the rep and supervisor I spoke with informed me the fee is assessed based on the available balance not the current balance. I found this to not be sensible but was advised there was nothing more they could do but to cancel my overdraft protection which I authorized them to do. They would not refund the fee however.
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I signed up for american express business platinum card. the offer is to give me XXXX points when I spend XXXX. 

I have reached the min spend and was only given XXXX. I submitted a case ( case number XXXX ). It was closed WITHOUT my knowledge. I had no idea they had close my case without giving me any explanation. AMEX has refused to give me the rest of the points.
Each time I reach out to american express, they would try to tell me I already received the points when I have not. 

I have even provided the mailer RSVP code for the XXXX.
Consumer complaint received 2017-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

The loan was originally with XXXX and I received notice that effectiveXX/XX/XXXXBayview Loan Servicing will take over the mortgage. I was late paying XX/XX/XXXX payment so I sent XXXX XXXX AND XX/XX/XXXXpayment in one check with instructions in the memo section that the check was XX/XX/XXXXandXX/XX/XXXX. OnlyXX/XX/XXXX XXXX applied the check for XXXX 's payment and the remaining to my escrow account. Since that date I 've written multiple letters to XXXX and Bayview to have that money removed from the escrow account and placed towards a monthly payment to get my account up to date. XXXX has answered my letter and said since the account and escrow was turned over to Bayview then I must direct all questions and concerns to Bayview. I received a letter from Bayview saying they received my letter and they would answer it by XX/XX/XXXX. However, I then received a letter and notice of intent to foreclose if I 've not paid ( what I already paid ) by XX/XX/XXXX ; BEFORE they will even answer my letter and have them move the money that I already paid from the escrow account towards a monthly mortgage payment OR refund me the escrow so I can then send them a check. I saw no other option than to take out a loan so I could pay an additional monthly mortgage payment so my house is not taken from me.
Consumer complaint received 2017-09-28
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)

On about the dates of XXXX-XXXX through XX/XX/XXXX I went online to Equifaxs online dispute platform to file a dispute of accounts that are listed and should not be there.Today is XXXX-XXXX and They have not provided me with the results of the investigation. This is a complete violation of the FCRA. Please investigate this
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (PA)

In XXXX I went to pay my lease payment and my account stated it was paid for so I called GM telling them that a payment was applied to my act. They stated that it was paid and that I had an extra payment. I thought it was funny. I kept an eye on the account. When I got a bill by mail stating a double amount I immediately called and they said the payment was reversed bc it was applied to the wrong act. They apologized and I immediately made the payment. They indicated and they said its recorded that it was their mistake and that it will not be reported. Well I have my credit monitoring since I have good credit and they reported me late. I called them and asked them to check their notes, I have left messages, I sent them a phone call request through GM Financial website, I have yet to hear from anyone. I have disputed this 2 x and they keep saying is correct. I even asked for the fax # to their legal department. I am not going to allow them to XXXX me like that after I am a single parent working myself with 2 jobs and making sure my debts are paid and on time. I do not know what else to do. Its not fair. I have cried because company like this one do mistakes and nothing is done and then they XXXX us up. 
I need this to be deleted out of my credit report, as this is the only thing that is on my report negative and it was not me, they should be able to teach their employees how to apply payments to the right account and on my recorded call, I told them are you sure they said yes, they are sure. I need help. Please.
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

BARCLAY BANK WAS SUPPOSED BY CLOSED AS OF XXXX/XXXX XXXX/XXXX WAS SUPPOSED TO BE CLOSED AS OF XXXX/XXXX ALSO 4 OUT OF 7 ASSOCIATED ADDRESS ARE NOT CORRECT
Consumer complaint received 2017-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

In XXXX and XXXX, I request for a modification with XXXX XXXX XXXX. I sent all the documents, nothing was done. In XXXX XXXX the customer service representative told me the loan is sold to Bayview Loan Servicing LLC. It took them to XXXX XXXX to respond to my status enquiry. I sent more documents to them for modification, yet no modification was approved. They keep piling interest and fees, inspection fees, and legal fees. In XXXX XXXX, XXXX date of XXXX XXXX, I receive a letter ( attached ) that the note is destroyed and unavailable. On XXXX XXXX, I receive a letter for sale of house on XX/XX/XXXX.
Bayview should drop the sale.
Consumer complaint received 2017-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Precise Financial Group, LLC (CO)

I had medical issues however I was not billed correctly I have been on Medicaid for over 3 years and now being constantly harassed over a debt that should be billed to my Medicaid. # XXXX under XXXX county department of human services. I was sent a letter in XXXX XXXX stating that this would be removed from my credit however her now in XXXX I 'm still being harassed by same company and now they are causing problems with where I work. Received a garnishment paper yesterday for XXXX I will state again I 'm on Medicaid and have been. There is no date showing original bill owed and I can prove I 'm on Medicaid will attach cards to this complaint. As a result of being harassed at work it can cost me my job nor can I pay for such a rediculous amount I 'm a collision tech who makes only enough to pay for my tools at work. I will be taking legal action for harassment on s debt I do n't owe
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NV)

I received 30+ calls from an automatic system from ERC this week. I spoke with XXXX XXXX and she attempted to collect 3 debts at the same time, and she gave me information about those accounts without verifying my identity before providing that information. 
Following account information was provided to me by XXXX XXXX : XXXX XXXX ( Ref : XXXX ) with a balance of {$2000.00} and with last 4 of social XXXX in that account. 
XXXX ( Account # XXXX Ref : XXXX ) with {$450.00} and last 4 of social in that account XXXX. 
XXXX XXXX XXXX with last 4 of social XXXX. 
After sharing with XXXX my intention of filing this complaint, I got transferred to XXXX at the office of the president, XXXX started asking for information without notifying me of her attempts to use all the information obtained to collect a debt. 
I explained XXXX that I been harrassed getting several call repetitive and in an inappropriate way. XXXX offered to to place the accounts in Fraud status but I inquired why I should place an account that doesn't have my social security but XXXX refused to answer my question. At the end she started that those are my account without verifying the validity of those account and not having present that the social and address on those account doesn't match with my identity.
Consumer complaint received 2021-10-15
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. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection of XXXX XXXX  XXXX. I was abroad because I am active military and I am on duty. This is a violation according to 15 USC Section 1692a. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (CA)

I was charged 4 times by a company called XXXX. As soon as I noticed these transactions I called to file a claim added my police report along with proof. 3 days later the email me informing the claim was denied and they found no error. Ive never heard of this company nor have I ever done business with this merchant. This totally drained my whole account balance to XXXX dollars with no money I have towards bills, car payments, gas, and food. My whole checking account is XXXX. this is totally unfair and I will be doing everything in my power to get my hard earned money back. And this being the first step. I wont let this be or go Totaling amount {$800.00}
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (TN)

I PULLED MY CREDIT REPORT AND NOTICE THINGS ON MY CREDIT REPORT THAT I DID NOT DO. PLEASE HELP ME BUY HAVING THIS REMOVED FROM MY PROFILE. I'M MAKING A POLICE REPORT TODAY TO ADVISE THEM OF THIS ISSUE.
Consumer complaint received 2021-10-15
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. (IA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to XXXX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless!