davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please removefixd the following accounts completely from my credit reports. XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO. (NJ)

They sued my husband for a debt with the XXXX XXXX, which could not be paid on time, without communication, then I asked the bank why the withholding and they answered that it was by order of the court, they gave me the phone number of an officer in charge of the case, who at the same time gave me the telephone number of the company that RETAINED this MONEY of my belongings, since this check was given to me by the SSa, due to my XXXX, which was delivered to me on XXXX XX/XX/2024, according to the letter that the SSa sent me, the name of the Officer is XXXX XXXX XXXX telephone number XXXX, the person I contacted is XXXX XXXX with telephone number XXXX, then he gave me by telephone a number that is XXXX and he He asked me to send copies of the latest bank account statements, which I did. I also sent him a copy of the checks from my son who serves me as a homemaker and who also charges through my bank since he does not have a bank account, for me. condition since I recently suffered a XXXX which does not allow me to work, then I sent him the copy of the letter that the SSa sent me, with the amount that corresponds to me and the monthly payment that it will give me in the future, it was refunded to me money that does not belong to my husband, which helps me maintain part of my household expenses since my husband is retired due to illness.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (PA)

I am disputing a charge on my American Express card for the amount of {$3100.00}. I was told if I could prove that I tried to contact the company to let them know I was unsatisfied that they would refund the amount. They keep claiming that because I signed a paper that said the work was completed that they are siding with the company even though I explained that they lied to me about the purpose of the paperwork and it was only for a prototype and the completed work has still not been done. XXXX XXXX  is the company I am disputing against. They haven't even completed the terms and agreements on the website they were suppose to complete and they have the pictures on the website as boxing and I was told that was just a sample because they were suppose to build the website for self defense products and they never changed the pictures from boxing.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Balance on credit report not reflecting on none of the credit bureau. My last updated from XXXX was XXXX before I started disputing the incorrect amounts. I called XXXX for them to tell me an update was sent on XX/XX/XXXX, {$850.00} but thats not true. My reports say XXXX Credit bureaus are telling me to contact XXXX. XXXX is telling me to contact the bureau. I disputed with all 3 credit agency and the balance is still not updated
Consumer complaint received 2024-07-27
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. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-01-08
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-04-08
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. (FL)

I reviewed my credit report and found a multitude of errors listed that is a direct violation of my federally protected consumer rights. 

For example : According to 15 USC 1681a 2 ( A ) ( i ), the term " consumer report '' should not include reports containing information solely about transactions or experiences between the consumer and the person making the report, except as provided in paragraph ( 3 ).

In regards to 15 USC 1681a 2 ( A ) ( i ) : EXCLUSIONS from Consumer Report. You are in direct violation of FCRA 15 USC 1681a 2Ai by including transactions and/or experience ( transactional ) information in my consumer report, which is explicitly excluded by Congress.

Delete ALL erroneous data of late payments and balance data from the following account/s within XXXX calendar days by updating the payment history to current XXXX & XXXX the balance information listed. 

( SEE ATTACHED ) ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo has failed to respond to my previous complaint, but also revealed a clear failure, as in the information they did provide they made statements which indicate they did NOT provide complete information during the transfer of my mortgage to XXXX. 

My previous request was for WF to provide ME with copies of the information sent to XXXX, as XXXX claims it did not receive multiple pieces of infomration. WF continues to claim it sent information, but refuses to provide any proof of what was sent, only their " assurances ''. That makes their claims as valid as my claim to be the XXXX of XXXX. 

There is no reason to refuse to provide copies of what was sent, if it fact they provided all necessary information. 

In addition to failing to provide a valid response- the documentation - WF also, in the letter dated XX/XX/XXXX, states that it communicated to XXXX that I am a successor in interest on the account. XXXX claims to have no record of that. But more importantly, I am the administrator of the estate ( in addition to being a XXXX ) and have been for a year and a half. I have been communicating with WF as the estate - and therefore the rightful account holder - since fall XXXX. They - by their own admission- apparently did not inform XXXX of this, and therefore prevented me from being able to in any way communicate with XXXX  regarding the mortgage
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-04-08
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. (FL)

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 | 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 15m of momation other stares : ion umation oter than armat any cions of crimes concaniedates te repoor more than seven years.

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 2017-11-09
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: NATIONSTAR MORTGAGE LLC (IN)

This is the fourth complaint against my bank on a VA loan, mortgage which payments started being made  XXXX XXXX. This is my fourth complaint against XXXX/Nationstar in failing to report all of my mortgage payments that I have made to them. In which, I have copies of all cashed checks, payments being made on my VA mortgage loan. Once again, I have gotten no resolution regarding errors that need to be fixed by my mortgage loan holder, XXXX/Nationstar. Each time I am directed to someone in their home office, I am told they are only going by the file that is sent to them. A bull's-eye report, in which, they believe the information being submitted to the credit bureaus is correct. As you can see, from XXXX XXXX latest facts and findings. XXXX/Nationstar, once again, is not reporting my payments being made as I have since XXXX XXXX. I have been brushed off, not taken seriously and continuing to not see my payments, ALL payments that have been made on my VA mortgage loan submitted to the appropriate credit bureaus. Each time, I call XXXX/Nationstar, they tell me what they see on their end is all payments being submitted to the credit bureaus, even during the forbearance plan, in a timely manner. However, I have made over several calls to all three credit bureaus. In which, as you can see, XXXX/Nationstar is not reporting nor showing all of my payments that have been made on my VA mortgage loan. I will continue filing complaints, even going in another legal direction, until this issue is resolved.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (VA)

I am writing to file a complaint against VanillaGift.com regarding a gift card I purchased and used. I initially funded the gift card with {$500.00}, but after using {$190.00}, I checked my online balance only to find that my balance was only {$100.00}. Upon further investigation, I discovered that someone else had used the card before I started using it, without my authorization. 

I immediately contacted VanillaGift to dispute the fraudulent activity on my gift card. They assured me that they would investigate the matter and replace the gift card within 45-90 days. I was assigned XXXX # XXXX. However, it has now been more than 90 days, and despite several attempts to follow up on the case, I have not received any resolution.

Every time I call VanillaGift, they put me on hold and tell me that they have escalated the case. However, they have escalated the case three times now, and there has been no change in the status of the case. This is very frustrating, as I have been waiting for a resolution for a long time.

I am requesting that VanillaGift replaces my gift card with the appropriate balance of {$300.00}, as I have been a victim of fraud. I hope that the Consumer Financial Protection Bureau can investigate this issue and ensure that VanillaGift provides me with the resolution I am seeking.
Consumer complaint received 2023-03-29
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. (DC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation (CA)

contacted owning for advertised mortgage rate with no closing costs $ XXXX loan, 1.99 % rate & APR 15year term meet all requirements per disclosure but was told there is 0.25 % cost. 
the representative was up front with this cost but can not explain it is not reflected in either disclosures or advertisement. 
this is false advertising in my opinion and should not be allowed. 

attached ad content
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

i am a victim of identity theft i pulled my equifax report and i see some unauthorized fraudulent inquiries listed on my report.i never gave any of these companies permission to run my credit.please delete the following fraudulent inquiries EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Since XXXX, 2022 I have sent to RESURGENT CAPITAL SVCS LP, a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to show me that this account is mine. As per the DFCPA, RESURGENT CAPITAL SVCS LP must show that this acct is mine showing any existing contract or application signed by me with my social security number.
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forest Recovery Services LLC (FL)

I was unaware of an attempt to collect a debt until I was notified by the reporting credit bureau of such back around XX/XX/2023. I notified this Forest Recovery Servies LLC in writing on XX/XX/2023, and XXXX XXXX responded to my concern as you can read in the attachment. However, I never heard back from this XXXX XXXX nor 'did I from XXXX XXXX. I have attached the documents sent to the reporting credit bureau to remove the account and update their reporting. I have also attached the documents of communicating back and forth with Forest Recovery Services
Consumer complaint received 2023-04-28
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. (MO)

Dear Agency, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. I also added a current utility bill and a passport to validate my person. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act XXXX US DEPARTMENT OF EDU XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX