davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to file a formal dispute regarding several violations I have identified on my credit report. I am seeking your assistance in addressing these violations and enforcing my legal rights under applicable consumer protection laws. The violations pertain to the following accounts : XXXXXXXX XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without my consent in violation of the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( F ). 

XXXX. XXXX Account Number : XXXX Violations : - Incorrect high balance - Inaccurate date of last activity - Reporting reaged accounts - Reinsertion without proper notice - Undated late pay - Charge off listed as open - Collection account with a limit Violations : These actions violate several provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and potentially the Fair and Accurate Credit Transactions Act ( FACTA ), including sections 605B, 611, 623, and 807. 

XXXX. Personal Information Error Also Known As : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Violation : Reporting incorrect personal information in violation of the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ). 

XXXX. XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without my consent in violation of the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( F ). 

These violations have had a profound impact on my life. The inaccuracies and unauthorized inquiries have created significant stress and financial uncertainty. For example, my pursuit of housing has been hindered by these inaccuracies, causing me to miss out on housing opportunities that could have greatly improved my living conditions. Additionally, the emotional toll of constantly battling these inaccuracies has taken a toll on my mental well-being, affecting my ability to focus on my responsibilities. 

I kindly request that the aforementioned creditors be required to remove these unverified accounts from my credit report in accordance with the applicable laws. Your intervention is crucial in rectifying this situation and ensuring that my consumer rights are upheld. 

Thank you for your attention to this matter. I look forward to a prompt resolution that restores accuracy and fairness to my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (MI)

Hello, I am filing an complaint with the company LJ Ross as they have been trying to collect a debt that is not mine. The dates that they claim the account to be opened on are below. I have tried to resolve the late payments with this company and have not gotten anywhere. These debts were paid by the medical insurance company and are not owed. Please remove these off of my credit report. I am trying to buy a home and these are holding me back. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. Collections West, Inc. (AZ)

disputed unknown collection account with XXXX no response from agency but confirmed valid on credit report. sent letter to agency no reply, looked up company to discover they are not licensed. yet pursue collections and report XXXX is owed without any evidence.I do not believe any such account is valid.
Consumer complaint received 2018-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Paypal Holdings, Inc (GA)

On XX/XX/2018 I sold 8 items on XXXX. Paypal who processes my payments for a fee held 4 out of the 8 payments. The released payments totaled 150 the held was 303. I called 4 days straight to get info about the holds. They gave me every excuse under the sun. I dont have any marks on my account and asked for a supervisor 4 times only to be put on holdlonger than 1hour. They have a policy that makes the bussiness trasactions seem shady and that is to get your funds sooner you have to mark the item that you sell mark it shipped and in 7 days they will release the funds. I charge shipping charges to ship the item to the customer and not shipping the item for 7 days and marking it shipped looks like i am scamming the customer. The second way is that you get the customer to give you a good review on your XXXX page and they will automatically release the funds immediately. I charge shipping because most the time i dont have the money to ship the product. Also when they hold funds they say its proprietary info why they do it and they cant tell us how we can prevent being put to where our funds arent held. Futher more if i have the money to ship items we have to ship them without payment and wait until confimed delivery has been done and the. 3 days after that is when our funds will be available ( sometimes ). I have had to call in to get them released. Anothe thing under acount they get there fees immediatly when the item is paid for. Another thing in there website under accounts if you click on a pending payment it comes up item will be refunded meaning i think they are treating the payment as a sell somehow to keep from gettjng in trouble with the government, when ever its time to release the funds they give us the funds but mark it a refund. So i think they are a shady crocked company. Oh and i had 3 more sales 2 on XX/XX/XXXX and 1 on XX/XX/XXXX and all three of those were put on hold. When you sell stuff and dont get the money for it for 21 days ( thats the normal hold uf you dont jump thru hoops they want u too. ) how can anybody function without money ie : ship, live ...
Consumer complaint received 2018-01-16
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: WELLS FARGO & COMPANY (CA)

on Monday XX/XX/XXXX i call the wells Fargo reward center about my rewards the customer service why i did n't get my XXXX dollars reward because i already spend XXXX dollars in first three months they check for me saying that the promotion rewards is i need to spend XXXX dollars in first three months i said no then they transfer me to talk to their supervisor the answer is the same i tell them when i apply online they said is i need to spend XXXX XXXX in first three months why now it change to XXXX dollars they said nothing they can do they are cheating me
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Hello, Please remove the following from my credit report. The address XXXX XXXX XXXX XXXX  XXXX and the cactus address from my credit file, I never lived in XXXX Arizona. Please delete the XXXX XXXX address I never lived in XXXX. 

Thanks
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (WA)

I am writing to express my grave concerns and to file a formal complaint against American Express, their legal representation, XXXX XXXX XXXX, and notably, XXXX XXXX XXXX, regarding an account under my name. 

Overview of the Issue : Initially, I faced a debt with American Express of {$6600.00}. With a genuine desire to resolve the matter, I settled the debt for {$3600.00}, agreeing to a payment plan of $ XXXX  monthly. 

Everything proceeded smoothly until XXXX, when I had to close my bank account due to fraud. I immediately reached out to XXXX XXXX XXXX, hoping to adjust my payment method to my new bank account. However, they insisted on only speaking to my attorney. 

The journey with my legal representation has been tumultuous : In XXXX, I sought assistance from the XXXX XXXX XXXX ( XXXX ) for debt settlement. 
By XX/XX/XXXX, my case transitioned to XXXX XXXX. 
Eventually, my case was handed over to XXXX XXXX XXXX. They have been particularly non-communicative and appear to be in violation of ABA rules 1.3, 1.4, 1.5 ( b ), and 1.9 by not replying to me or other litigants. 
XXXX XXXX XXXX 's lack of communication left me in a precarious situation when XXXX XXXX XXXX took the drastic measure of filing for an interrogatory with the court, aiming to garnish the full amount. 

Remember XXXX stated I could not pay them directly because I had to have my attorney involved and yet they felt it appropriate to communicate with me directly regarding an interrogatory. They seem to want to have their cake and eat it too. 


Current Situation and Plea for Intervention : The absence of communication from XXXX XXXX XXXX and XXXX XXXX XXXX ' refusal to liaise directly with me has left me cornered, even though I have shown nothing but willingness to resolve the matter.
Consumer complaint received 2023-08-10
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. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2018-01-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Applied for refinance loan -amount {$150000.00}. early XXXX. Provided reams of info requested. My situation : 1.Enough cash on hand to pay off ; 2.Mortgage payment of under $ XXXX vs income of $ XXXX ; 3.Appraisal ( at my cost of over {$500.00} ) came in at {$290000.00}. 4.Income reliant on guaranteed pension/annuities ( not risky ). I have submitted all info requested but have been informed that I have withdrawn my application ( I HAVE NOT! ) 5.Local bank manager has lodged protest on my behalf. Last communication from bank ( notifying me that I have withdrawn application ) over two weeks old. NO response to my requests for follow ups. I believe that Bank of America is prejudiced against me for one of two reasons : 1.My wife and I are XXXX XXXX XXXX or 2.Bankruptcy in XXXX due to business failure. They have cost me time, money and a lowered credit rating due to their intransigence.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (SC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I fell behind on my minimum payments due to being completely displaced from Hurricane Irma, I lost my job due to it and couldnt return to my home due to all the damage. I called them and talk to a represntatice back in XXXX and told them there was no way I would be able to pay my minimum payments even though I wanted to because I needed to put all my money towards food and shelter for me and my family. Anyways long story short is they told me they would do anything they could to help me in this situation and to not worry. However after reviewing XXXX XXXX it shows me that I have 2 missed payments for the months of XX/XX/XXXX and XX/XX/XXXX on my credit history. All of my other credit card companies understood and did not blemish my credit with late payments. It was only capital one and after speaking to them there they essentially said they cant do anything about it. I understand I was late on my payments but I called them, i was displaced from my home and I lost my job which was the only source of income for my family. I now am trying to pick up the pieces and finance a new house for my family and I but because of these 2 missed payments for XX/XX/XXXX and XX/XX/XXXX I am getting a very bad rate with the Banks making the home I want to buy unaffordable for me and my Family. They did report accurately because I was late on my payments for those months but they assured me on the phone and what I read on their website that they were doing everything and anything they could for their customers through this hard time. So I didnt pay any attention to my card for those few months and only got up to date with my payments recently because I could finally afford to. I want these 2 late payments reversed due to a natural disaster that I had no control over along with the fact I was under the assumption I had a grace period where I was assured not to worry, Kind regards, XXXX XXXX
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent letter after letter to this company starting in XXXX XXXX when I first noticed this inaccurate information on my credit report. I have never had any accounts being serviced by XXXX XXXX or any of the others listed. I even contacted XXXX XXXX and they responded saying they have never serviced my accounts and in fact the only accounts they can see that I have is with XXXX XXXX ( only 2 ) and both of those are in good standing and always have been. You will see from the attached correspondence that all these accounts except for 2 must be deleted immediately as they are not mine. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX The ONLY legitimate accounts and Validated accounts I have are the following : XXXX XXXX XXXX XXXX/XXXX Account : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$42000.00}
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letter after letter to this company starting in XXXX 2016 when I first noticed this inaccurate information on my credit report. I have never had any accounts being serviced by XXXX XXXX or any of the others listed. I even contacted XXXX XXXX and they responded saying they have never serviced my accounts and in fact the only accounts they can see that I have is with XXXX XXXX ( only 2 ) and both of those are in good standing and always have been. You will see from the attached correspondence that all these accounts except for 2 must be deleted immediately as they are not mine. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX The ONLY legitimate accounts and Validated accounts I have are the following : XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$42000.00}
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NC)

In a previous CFPB complaint ( XXXX ), Marcus ( Goldman Sachs XXXX advised me that I can apply for a credit card again. I did and I applied for a Marcus Savings account too. Marcus had absolutely no problem taking my money and opening the Savings account ( account number XXXX ), however when it came to credit card application, like before, they asked for a copy of my ID which I provided, yet again they declined the application because they could not verify my identity. 
This is the same financial institution, verifying the identity of the same person, and getting two different results! If they could not verify my identity, why did they open a Sav
ings account in my name? That's against the Know Your Customer ( KYC ) regulations. 
If they could verify my identity, why they are telling me otherwise in the credit card application?
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GOLDMAN SACHS BANK USA (GA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.