davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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)

My name is XXXX XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I demand the removal of these INQUIRIES : XXXX XXXX, XXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the removal of these ADDRESSES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I demand the removal of these NAMES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-12-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LoanCare, LLC (CA)

Contacted XXXX LoanCare by phone on XX/XX/XXXX and requested written payoff of mortgage that was required for sale. Close date should have been XX/XX/XXXX. The breach they experienced was never communicated to me until XX/XX/XXXX, saying their systems were back online. A payoff has still not been provided, despite 3 additional requests sent by myself and the closing title company ( XXXX XXXX ). Im now being forced to close on the sale without any knowledge when Ill get the money from the sale ( over $ XXXX is due to me ). Attempts to call the company say our agents are unable to help you at this time. Press 1 to return to the main menu or hang up. The attached communication is the only information Loancare has sent regarding any of this- received XX/XX/XXXX at XXXX.
Consumer complaint received 2023-12-21
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. (MO)

XXXX XXXX XX/XX/XXXX TransUnion Fraud Division XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion Fraud Division, FTC complaint # XXXX I am writing to formally request the deletion and blockage of certain information from my credit report and to dispute the accuracy of my credit score. I believe that there are inaccuracies on my report that are negatively affecting my creditworthiness.

Specifically, I request the removal of the following accounts and inquiries from my credit 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  Additionally, I request the removal of all inquiries related to the mentioned accounts. I believe that the presence of this information is inaccurate and has led to an unjustifiably low credit score. My current score is reported as XXXX, whereas I believe it should be closer to XXXX based on my financial history. 

I am concerned that TransUnion may be discriminating against me based on my social security number, which begins with a XXXX. It has come to my attention that individuals of minority status, particularly those of the XXXX faith, have experienced similar issues with TransUnion. This leads me to believe that there may be discriminatory practices at play. 

I want to emphasize that TransUnion is the only credit bureau that is allowing fraudulent information to persist on my credit report. I find this situation unacceptable and damaging to my financial standing. 

If these inaccuracies are not promptly addressed and corrected, I will be forced to file a formal complaint, including allegations of discrimination, against TransUnion. I trust that you will conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies on my credit report. 

Please provide me with written confirmation of the actions taken to address my concerns within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Synovus Bank (TX)

In XXXX, I opened a First Progress secured credit card account with a {$200.00} refundable deposit with the intention of building credit. Since I've been a customer, I never made a single transaction, however, I paid {$290.00} in aggregate annual fees over the course of nearly 6 years. 

On XXXX XX/XX/XXXX, I called into First Progress to close the account and was told by their customer service representative that I had to wait ten ( 10 ) weeks in order to get my {$200.00} refundable deposit returned. When the representative told me 10 weeks, I was flabbergasted and said : " you mean, 10 days, right? '' and the agent said " no, 10 weeks. '' I completely understand that there needs to be some holding period before my deposit is returnedhowever, 10 weeks is completely unacceptable.
Consumer complaint received 2023-08-04
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. (CA)

Filed FTC complaint # XXXX regarding accounts that are not mine and do not reflect a valid ID. I sent a valid ID as well as a summary of my dispute as well as a copy of my social security card. 

Experian did not do a thorough or accurate investigation into my complaint. I tried to resubmit and re-file everything again with the same documents and the FTC report and they refuse to take it. 

They are unable to validate or show how they verified any of this information as I know this information can not be verified accurately since it is not mine. I have called them several times and they will not tell me how these fraudulent accounts are verified. 

They are in violation of FCRA Section 611 to my right for a complete and accurate credit report.
Consumer complaint received 2023-12-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Supreme Lending (TX)

We were offered a first time home buyer rate assistance program. We were sent the initial loan application and disclosures package including a loan estimate. We submitted documentation requested. Two days later the processor called to say the program was no longer available, after two days, and we would have to cancel the application. When we asked for revised documentation we were told that since we didnt lock the rate the disclosures were null and void. The program we were presented did not offer any ability decide the rate. The rate was determined by the agency providing the rate assistance. When asked if this was a Reg Z or TRID 2.0 violation, the lender denied it but did not provide documentation to disclose that the program could be withdrawn and terms reneged.
Consumer complaint received 2023-08-04
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (MI)

Starting XXXX of this year, I got a alert on all 3 credit bureaus that I have a new collection from this fraudulent company. I looked up this company to inquire & was immediately verbally harassed & hung up on for trying to gather information on this collection. Ive never had a collection or unpaid anything IN MY LIFE & it is ruining my credit as of XX/XX/2023. Ive dispute w/ all 3 credit bureaus and only XXXX confirmed to me that this debt isnt even under my name or social security! Complete Fraudsters taking advantage of hard working citizens for profit. As a young armed forces veteran I expect better care but respect & honor only goes so far for many. I want this collection removed indefinitely, Ive tried contacting multiple times over the last few months & constantly I get harassed & verbally abused & hung up when I try to get receipts or concrete info detailing anything! Please, by XXXX help me get rid of these hasslers off my credit. Blessings
Consumer complaint received 2024-04-25
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I was not notified of the check being flagged for a hold. Not on my mobile app, there are XXXX alerts as of XX/XX/XXXX. Not by email. XXXX emails. Only after I asked was notification provided. And the check in question was deposited XX/XX/XXXX and cleared the issuing bank XX/XX/XXXX. The check is from XXXX. A reputable company. Who I have been associated with for 16 years now. No reasonable reason to suspect for hold. So fifth third has been paid and has been holding my money since XX/XX/XXXX. And has a hold on the check until XX/XX/XXXX. Unreasonable hold status, and the check has cleared per adp. I have the email of the cleared check. Also the hold period is excessive.
Consumer complaint received 2023-12-02
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 (FL)

I purchase a large amount of gift cards every year for company use. Sometimes there are a few left over after holiday and they are locked up in office for further use. 
One leftover card was given to an employee for good work around XXXX of XXXX. The employee ( XXXX XXXX reported that there was no balance left on the card. Since the envelope was sealed and in locked place, it seemed impossible. I called Amex gift card and was told that the card in question was used to make purchases such as XXXX in XXXX! I asked for a full accounting and was told I had to go to website. In the interim she gave me a case # XXXX. I went to website and tried several times. It said card information was unavailable - call phone #. Called again, spoke to XXXX who told me that she did not have access to these transactions. I asked for Supervisor. She said Supervisor does not have access to these transactions. I tried to e-mail and received the same reply five times - " Unfortunately, your claim has been denied. If you would like to review your transaction history visit the website or call customer servivce '' ... I kept e-mailing back to say I had done this but did not get an answer and I received the same exact language reply over and over. The last time I aske to be connected to a human ( I'm guessing AI gives the same exact answer over and over... ) And now have no reply. I purchased {$3000.00} in gifts cards on XX/XX/XXXX and on XX/XX/XXXX. The card in question was in the amount of {$250.00} and had a reindeer on the front. I have the card in my possession. I charged the cards on my Amex card and tried to dispute the charge but they said it was too old to dispute. I am beyond frustrated that someone used this gift card number fraudulently and there is nothing Amex will do about it.
Consumer complaint received 2024-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NJ)

I am a XXXX year old single woman who attended XXXX XXXX XXXX located at the time ( 2019 ), in XXXX XXXX, XXXX They had no equipment or materials other than reading out of a book. After taking the test several times to past the class, I took the XXXX XXXX test and failed it. the school has shut down shortly after that. Closed the doors. 
Since then I paid {$340.00} dollars XXXX more times and still failed it. I no longer can afford to keep trying. The School was a scam I believe ;. therefore I would like to cancel my loan agreement even if it means canceling my certificate which doesnt do anything for me. I would like my Loan with Ed Financial forgiven.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (DC)

I have never been 30 days late. I contacted the company when I returned from XXXX XXXX. I had asked for electronic billing at least six months before, and the company never updated my data until later in XXXX 

I was in XXXX with no internet access in XXXX and no access to clearly could not get US Mail. 

As soon as I returned, I called the company and complained that they didn't send me an electronic notice, and I paid the balance in that call. Its never been 30-59 days as reported in XXXX XXXXI was assured that my payment history wasn't negative, but I see it reported paid as agreed, with no delinquencies. I paid {$300.00} in XXXX in XXXXwo payments of {$300.00} within ten days of each other, which clearly shows that I wasn't delinquent 30-59 days.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am writing to dispute inaccurate information present on my credit report. Upon reviewing my credit report, I have noticed that there is inaccurate late payment reporting on my credit report. It is imperative that this error is rectified as soon as possible, as it is adversely affecting my credit score and may have repercussions on my financial standing.
Consumer complaint received 2024-03-01
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. (MO)

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 XXXXXXXX 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 2023-09-20
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. (VA)

In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX  and XXXX XXXX has violated my rights under 15 USC 1681 section 602 states, " I have the right to privacy ''.

15USC 1681 section 604 A Section 2 states, " A consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-09-20
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. (NV)

on XX/XX/XXXX a formal complaint was mailed to EXPERIAN to go over a account that was on my credit that i had no knowledge or have I dont business with. I have yet to receive any communication that my dispute would be processed.
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The following accounts I did not authorize them to be opened, and would like them removed from my XXXX XXXX consumer report. I have disputed them previously, and would like validation of the ownership if they can not be removed. Also, Bank of America will need to provide its verification process, in detail, as well ; rather than just responding with unsupported statements. 

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Dear Equifax I see that you verified the account listed below : XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (FL)

We were lead to believe that our consulting company could use WePay to collect payments. We then collected payment for our costumer back in XXXX. It is now XXXX and WePay is refusing to release the {$9200.00} This money was paid to us for our consulting services. We have operational costs, employees and vendors who we have had to have difficult conversations as a result from WePay holding our money XXXX. 

We do not operate in high risk industry nor have we ever had a charge back in all our years of business so it looks like they are just trying to hold our money indefinitely for no reason. 

When you sign up for their service it does not say anywhere that WePay can decide to steal your money or with hold it indefinitely. As a small business this has crushed our bottom line and we are at a point where we will no longer be in business.