davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (CA)

By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) XXXX The Furnishers / Credit Reporting agencies of the following accounts INQUIRIES : XXXX XXXX  XXXX. XX/XX/XXXX EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX have violated my rights . according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Consumer complaint received 2023-08-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

In XX/XX/XXXX I entered into a trial loan modification agreement with XXXX XXXX. They had just purchased the loan a few months prior from XXXX XXXX. At the time, I was in the middle of a forbearance with XXXX which was at a standstill due to XXXX backup. I successfully completed the trial and was approved for the modification in XX/XX/XXXX and given a new payment amount. I've been making the required monthly payments since that time, however, my account online and with the credit reporting agencies show me significantly behind and inaccurate account balances. I disputed the information with the credit reporting agencies, and XXXX removed the account from my credit report. I am awaiting a response from the other XXXX. I've called numerous times to inquire about the delay, and I'm always told everything is complete on their end, however the " investor '' has to complete their part. I gather it's the entity hoping I default on my agreement so that they can benefit from the significant equity I currently have in the home. Also, the document reflecting the approved modification agreement is the only document missing from my document center online. Luckily, I had the foresight to request the document via email after several times I was told it was in the mail and I never received the hard copy. A couple days ago I called and stated I was getting an attorney involved due to the harm they are inflicting on my credit history, and today I received an email stating the modification is complete as of XX/XX/XXXX - today. This is contrary to what I've been told since XXXX.
Consumer complaint received 2018-09-14
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ceannate (FL)

I am being help accountable for a {$2300.00} debt from XXXX University. A company by the name of FMS has been contacting me, even after i explained that i do not owe the school that money. I had a class at XXXX and was able to drop it before the cutoff date in order to received a full refund. My class was never {$2300.00} so i dont even understand where that number is coming from. I have email confirmation that the company approved the refund.. so i do not owe them anything.
Consumer complaint received 2024-05-17
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. (AR)

I recently review my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to the complaint on the following dates XX/XX/year>. I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If the information can not be provided I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Consumer complaint received 2023-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (FL)

My credit score was great in late XXXX. Then prior to taking a trip, I checked my credit report and there is a false charge from XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2023. I am in great health and worked tirelessly the entire month of XXXX. This charge is not mine. I never received notices of this charge, as it was fraud and just appeared on my account under the Collections Agency of Lockhart Morris & Montgomery. I filed a police report for the identity theft and fraud. This is not mine and must be removed.
Consumer complaint received 2023-09-15
Product: Credit 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: BARCLAYS BANK DELAWARE (CA)

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This was a request to open a dispute for a transaction with XXXX  made on XX/XX/2023 in the amount of {$150.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

The following creditors no longer own the accounts they are reporting, they have sold them. As per federal, state FCRA and FDCPA laws and terms and conditions, you must own an account to report to the repositories, ( XXXX XXXX, XXXX, EXPERIAN ). 
Therefore, you must delete these entries, to comply with the Law.

Please remove the following account for non-compliance : 1 ) XXXX XXXX  : ACCOUNT # DOES NOT EXIST XXXX ) XXXX XXXX XXXX XXXX XXXX : ACCOUNT # DOES NOT EXIST XXXX ) XXXX XXXX XXXX  XXXX XXXX : ACCOUNT # DOES NOT EXIST
Consumer complaint received 2023-09-15
Product: Credit 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: BARCLAYS BANK DELAWARE (CA)

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX XXXX made on XX/XX/2023 in the amount of {$250.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Consumer complaint received 2023-08-24
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. (CA)

By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) U.SC The Furnishers / Credit Reporting agencies of the following accounts INQUIRIES : XXXX XXXX  XXXX. XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX  XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE have violated my rights . according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Consumer complaint received 2023-08-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc. (MI)

My final payment that showed on Avant dashboard when logging in showed automatically withdrawn on XX/XX/2022 in the amount of {$440.00} as per every month was automatically withdrawn. It showed no additional interest or any other amounts incurred. So I reached out after I noticed on my consumers report showing a balance which I kept disputing with the credit agencies. Later I contacted Avant concerning the charges and they stated that it was interest when I made changes throughout the loan, which is untrue when I made changes they applied the interest and other charges incurred per month when they authorized the changes. I spoke with XXXX and also spoke with another representative XXXX, which I got no information on how or why this unscrupulous amount came to exist. I agreed to pay whatever interests that was showing on the date of XX/XX/2022, in which none was provided. Nothing was resolved and now the amount has increased. the interested and fees incurred while paying the loan was showing throughout, but now they're claiming that it shows after all my ACH transaction have been deducted from my account. If there was still a balance why didn't they keep deducting from my account is was on auto withdrawal?
Consumer complaint received 2023-09-15
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: GOLDMAN SACHS BANK USA (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-15
Product: Credit 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: BARCLAYS BANK DELAWARE (CA)

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$390.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Consumer complaint received 2023-09-15
Product: Credit 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: BARCLAYS BANK DELAWARE (CA)

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX  made on XX/XX/2023 in the amount of {$220.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXX XXXX  Account NumberXXXX  Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX  Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-08-24
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: Credence Resource Management, LLC (NJ)

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind accounts. No knowledge account. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information. I have enclosed a copy of my credit report and circled the fraudulent items on the report. I appreciate your prompt attention to this matter. Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 
CREDENCE RESOURCE MANAGEAcct # XXXX **** Not my account. Please delete. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Not my account. Please delete. 
CREDENCE RESOURCE MANAGE ACCT # XXXX Not my account. Please delete. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Not my account. Please delete. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Not my account. Please delete.XXXX XXXX XXXX XXXX XXXX XXXXXXXX Not mine account. Please delete.
Consumer complaint received 2023-09-15
Product: Credit 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: BARCLAYS BANK DELAWARE (CA)

I sent a letter via XXXX mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This was a request to open a dispute for a transaction with XXXX made XXXX XX/XX/2023 XXXX the amount of {$400.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Consumer complaint received 2023-12-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OR)

On XX/XX/2023, I received an American Express prepaid card in the amount of {$50.00}. I immediately tried to use the card to make a purchase on XXXX, and the charge was declined by AmEx. I then tried to use it to order groceries through XXXX and it was also declined. I tried to use it to make a purchase on XXXX and it was declined a third time. When I looked at the account online, I saw that AmEx had allowed a XXXX pending charge for all three merchants to show that it was a legitimate card number, but then they declined the actual charge with no reason stated. In all three cases, my prepaid card was more than sufficient to cover the purchase I was trying to make. 

I contacted AmEx customer service to see if I was doing something wrong, and I was given the unhelpful response that AmEx " declines some purchases to prevent fraud. '' Well it seems to me that they are the ones committing fraud if they are selling these prepaid cards and not allowing them to be used anywhere! I asked where I could use the card and the customer service representative could not tell me a single store that would accept it, just that I needed to " keep trying different places. '' I thought that was a fairly ridiculous response so I XXXX and found that lots of other people have had the same issue and could never get their AmEx prepaid card to work online. I thought I might have better luck trying it in-store, so I added the card to my XXXX wallet and tried to pay for a small purchase using the app at checkout, and once again got the message that AmEx declined the charge. 

If I can't use this prepaid card online and I can't use it in a store, where exactly can I use it? I feel that American Express is committing fraud by taking money for these cards that can never be used anywhere.