davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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. (MA)

I was trying to buy a home to better me and my families lives and i realized there were some damages on my credit report. I have already been in breaches and I thought you all were going to protect my information. This is a defamation of character because it is affecting my livelihood. Now me and my family are being negatively impacted which is affecting my emotional and mental state. 

According to- 15 U.S.C & 1681 you guys have broken the law because these damages are definitely fraud and I am trying to move forward.
Consumer complaint received 2023-04-12
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: 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. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX These account have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Consumer complaint received 2024-06-06
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. (CA)

TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Rectification of Incorrect Information on Credit Report Dear TransUnion Representatives , This letter serves as a formal demand for immediate rectification of erroneous information that has been repeatedly reported on my credit file. I have contacted TransUnion on numerous occasions to address this issue, yet I have encountered inconsistent responses and a lack of resolution.

Despite multiple attempts to clarify the discrepancies, I have been met with varying explanations regarding the Consumer Financial Protection Bureau ( CFPB ) reports I have purportedly filed. Your representatives have failed to provide a coherent or consistent account of the number of reports, the specific items under dispute, or the relevant dates. Each interaction has only exacerbated my concerns, with representatives providing conflicting information and, at times, falsely claiming managerial status. 

Moreover, when contacting the general customer service number and requesting a transfer to the fraud department, your representatives immediately asserted they were the fraud department, contradicting standard procedural knowledge that such calls require a transfer. This behavior is indicative of a broader issue within your organization 's handling of consumer disputes.

It is apparent that the lack of transparency and willingness to assist is undermined by TransUnion 's profit-driven motives. Such practices not only fail to uphold the standards of ethical business conduct but also violate the rights of consumers seeking to maintain accurate credit reports. 

I demand an immediate and thorough investigation into these discrepancies and a prompt correction of all inaccurate information on my credit report. Furthermore, I expect TransUnion to revise its internal practices to ensure that consumers are treated with fairness and transparency in accordance with applicable laws and regulations. 

Failure to address this matter promptly will compel me to escalate this issue to the appropriate regulatory bodies, including the CFPB and the Federal Trade Commission ( FTC ), and pursue all available legal remedies. 

I trust that TransUnion will take this matter seriously and act expeditiously to rectify the situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (UT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-12
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. (FL)

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 2024-07-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (CA)

On XX/XX/XXXX I went to a XXXX office to get new phone service. The salesperson offered me a free phone along with the new service. I asked repeatedly whether the phone was really free. The salesperson emphasized the phone was and would be free. I accepted the person 's word and took the phone. Soon XXXX started billing me for the phone. I looked at my copy of the original invoice and after a careful reading realized the salesperson had switched invoices on me while I wasn't looking. The copy contained a phone sales statement I never agreed to. I called their customer service asking them to erase the debt and told them what happened. Their representative refused. On XX/XX/XXXX a debt collector notified me they were going to begin collecting the debt. A few days later I sent them a letter with proof of my situation, disputing the debt. Since they were contacting me as a representative of XXXX I assumed they would forward their copy of my dispute letter to XXXX. Again calls to XXXX were unsuccessful. I waited a long while, thinking that if there were further problems they would contact me. In XX/XX/XXXX my credit statement showed XXXX had listed this matter as a negative report with rating agencies. I called XXXX about this and only got a recording, telling me I had to contact the collection agency, Diversified Adjustments Service. I made several attempts to contact the agency and only got recordings with no information on how to contact the agency directly. Finally on XX/XX/XXXX I was able to contact the agency. I was told they had no information about my dispute. Apparently it was lost or never received. I had sent my message to the email address their collection letter had given me.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

The reason for the attached document or screenshot that I didn't apply for the inquiry. The Alert with address social security number registered with credit journey as a fraud alert. The breach in attached context my credit score drop when logged in to credit karma from XXXX to XXXX that is a data breach with all 3 bureaus that Experian is being notified I should not have a credit score breach from a decent credit card that the financial lines must be being monitored by a third party at this risk level of underpayment and spending the index is being hacked. No other statement be needed other than that review of attached screenshot of data breaches exposed and Experian alerts.
Consumer complaint received 2024-06-28
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with convenience check
Company: WELLS FARGO & COMPANY (NJ)

My name is XXXX XXXX XX/XX/year>. I have a XXXX XXXX credit card through Wells Fargo. I have had many complaints sent to Wells Fargo this year alone but mostly for this specific situation. My previous case number was XXXX & my case XXXX was XXXX. XXXX was very helpful & understands this situation more then anyone who tried to help in the past. As a resolution to this case, Wells Fargo sent a refund check directly to XXXX  with the person whos account was being charged for my accounts info. Her name is XXXX XXXX. XXXX is claiming that XXXX said they never received the check. I was told all the information of the check including when it was sent, dated & the serial number. Verbally i was told that there was confirmation XXXX got the check & it was deposited. I need to obtain proof that the XXXX confirmed receiving the check. I understand privacy is a big factor & that might not be possible for me since i am not the chase account holder. I am not looking for personal information but Im looking for confirmation proof it was received & deposited/cashed. If i can not obtain that information Im asking if wells fargo can contact XXXX directly. I can give any contact info i have for this person who is the original XXXX  account holder. I am being threatened yet again to go to court so i need documentation. I can also use a direct phone number for chase of where it was sent. Again, i understand privacy so you can contact XXXX directly regarding any info. 

XXXX in the passed also opened a case & her case XXXX was XXXX. 

Tell them to contact me directly and give them my phone number and email address. 
Her number is XXXX & email is XXXX XXXX
Consumer complaint received 2024-07-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Designed Receivable Solutions, Inc. (AL)

DESIGNED RECEIVABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX This company continues to mark this complaint as a duplicate complaint! THIS IS NOT A DUPLICATE COMPLAINT! I do not believe I owe this money. I have requested a letter of validation and this company refuses to validate the debt. I have requested in writing that they stop calling me and they are still calling me daily when they call they pretend to be an attorney and threaten to sue me.. I am disputing this debt and by law this company must cease all collection activity and they can not report me to the credit bureaus. They have not as much as informed the CRA that I have disputed this account. THIS IS NOT A DUPLICATE COMPLAINT! I am still waiting for a debt validation letter. They can not validate that this debt belongs to me. They must stop collection efforts and remove negative reporting from the CRA! This company is in violation of federal consumer financial laws. This not a duplicate complaint.
Consumer complaint received 2024-07-17
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: Kikoff Inc. (OH)

Despite my multiple attempts to dispute these items and provide supporting documentation, such as evidence and police reports, the issues have not been resolved. Additionally, I am being sued for debts I no longer owe. Debt collectors are selling my debt, leading to multiple lawsuits against me. 

I request that these items be investigated and corrected as soon as possible. Please provide me with a written statement detailing the results of your investigation and any changes that are made to my credit report. Below is an attached copy of my report for your reference. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward for the quick deletions of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XX/XX/2021 XXXX OF XXXX XX/XX/2021
Consumer complaint received 2023-04-12
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. (SC)

I'm very outraged that you put the following details in my consumer report and that you didn't follow acceptable operating standards to ensure the highest level of accuracy in the credit reports you publish. Credit reporting laws make guarantee that bureaus and organizations only publish credit data that is entirely accurate. To ensure that the information given is entirely true and correct, every precaution must be taken. I am receiving treatment that is unjust and unfair. And they have taken on a significant role in my life and, through a false consumer report, have seriously harmed my future. Therefore, I'm emphasizing their need to act fairly, impartially, and with respect for all consumers ' rights to privacy. And the data breach that occurred where my information was mishandled I would like these removed urgently or I will take further action to get the results I demend.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Conduent Incorporated (NE)

On XX/XX/24, a merchant I ordered groceries from canceled the order. They advised they released the funds back to me, and I would receive them in 7 business days. That time came and went and I still havent received my funds. I spoke with several customer service reps along with management who advised they are working on it and cant give me a time frame. We are now in the month of XXXX and I still havent received my funds.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

This credit card provider is charging cash advance interest on purchases made with the credit card when payments have been made immediately on the account to cover the purchase balance for purchases made by the consumer that are without grace period. Credit card company is applying the payment the consumer made for purchases that has no grace because of the existing balance transfer of 0 % APR, while carrying over a balance of the purchases made on an interest of 27.74 % interest to charge false interest. Meanwhile, the balance of the 0 % APR balance transfer is always been paid as the minimum payment provided on the monthly statement as additional payment to the payment of the purchases. This same credit card company representative had informed me in XX/XX/XXXX correspondence ( see attached ) that if I pay the total purchase amount plus the minimum payment in a billing period, I would not be charged any interest on the purchase, thus ensuring that the balance on the account remains on the 0 % APR balance from the balance transfer due on a much later date. On XX/XX/XXXX statement I was charged {$4.00} on a purchase balance which I had paid off immediately after making the purchase. When I wrote to them about that interest charge, it was refunded. On XX/XX/XXXX, they got bolder and charged me {$11.00} on the same issue, after I had informed them that they should desist from that false interest rate because I paid in full the purchases made immediately, but they rather chose to apply the payment I made for the purchases to the balance of the 0 % APR balance transfer and charged me 27.74 % on the purchase balance I had made full payment for. I reached out to them to refund the interest of {$11.00}, and to correct their fradulent system but they refused. On my XX/XX/XXXX statement, they have gone even worse to now charge me {$62.00} interest on the same issue by fraudulently channeling payments the consumer made towards purchases that has no grace period to the balance of a balance transfer of 0 % APR and charging 27.74 % in the form of cash advance on the balance of the purchases made with the intention to steal from the consumer. The reason why they are doing this and how they come up with the amount the amount that is the purchase balance that is carried over in the statement balance they are unable to explain. Instead of admitting the error and fradulent attempt of their system, they have continued in this financial discrepancy.
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PR)

My situation is as follow. 

I had a mortgage loan with XXXX XXXX, this bank was closed for the federal government, my mortgage passed to XXXX XXXX in XXXX after that Rushmore servicing took my loan. 

In one occasion I sent to them a CK for the amount of XXXX to pay in full all my debit because during their process they no want receive payments. 

Pass the time and I no pay the loan but they give me the opportunity of buy my home for second time and give me until XX/XX/XXXX to buy, but Rushmore and XXXX XXXX  was working together to make a foreclosure no matter told me yes you can buy. In that start the Covid situation that stoped all process. No matter that in XX/XX/XXXX I received a note in my home of a young man that bought in a foreclosure my home with me and my things inside. Now I have to take my things and exit from my home because they want me out. This process was illegal for many circumstances. I never receive a letter or any legal note of when and where was the forclosure all took me by surprise. This affect me two times because I work from home and now stop my incomes, no home, no nothing and the government here with the money of the people in bank and no give us any help Is incredible this situation because I don't know what I'm going to make because need a lot of money to make my movement too but can't work or produce because have the new owner calling because have hurry. 

Any one can help neor give me any legal orientation
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XXXX XXXX, I contacted Capital One regarding a payment for {$290.00} that I question was not adjusted from my current balance that had posted to my account XX/XX/year> after my billing cycle statement. 

My current balance should be {$1000.00} instead of {$1200.00} and my available credit should be {$540.00} instead is {$250.00} current balance. 

I was not able to get any resolution from the supervisor or anyone else
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (TX)

I received a {$100.00} visa gift card  as a gift around late XX/XX/XXXX. A week after receiving it, I tried using the gift card for the first time for an online purchase, and it was declined due to insufficient funds. I checked the balance and notice an unauthorized transaction that was done at XXXXXXXX XXXX central time. As soon as I discovered this fraudulent charge, I filed a claim with vanilla gift card company, also known as Incomm, to dispute on XX/XX/XXXX. I was told verbally and in written form that would take 45-90 days to resolve the dispute. It is now XX/XX/XXXX, and I waited my 90 days, but have not heard from the card company. I called the card company for an update, and the representative at the time told me he would escalate my claim and that I should hear back within 24-48 hours. I did not receive a response within that 24-48 hours, so I called customer support again. During this second callback, I was told there was an issue with my dispute, and I would have to open a new claim and start the 90 days process again. The customer service representative did not give me a clear reason as to why my dispute is invalid. I asked to speak to a supervisor to which the representative put me on hold and never got back to me.
Consumer complaint received 2023-04-12
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX