davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I have provided Experian with 2 letters directly from XXXX XXXX XXXX  summarizing that they have asked experian to delete their reported account. For some reason, Experian is not interested in these documents and is not assisting with removing the illegal debt. 
I spoke to someone name XXXX today, who informed me that apparently XXXX informed them on XX/XX/24 that the debt will stay. This is not accurate information and I requested a copy of this communication for my lawsuit with the creditor as this is not what they told Experian, I've spoken to their lawyer directly who is handling the matter.
Consumer complaint received 2024-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (TX)

There was a fraud situation that I discover where I wire transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 contact me that they locate the bank account and waiting on AMEX to recall the wire transfer. Amex is claiming that they cant how are they supporting their customer if they are not willing to help where XXXX XXXX is did their job
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (IL)

I had a dispute with American express credit card, so I asked how much I owed and to cancel my card. I paid the full amount owed but then they sent me another bill the next month. I called them and said that I was paid in full but they lied and said that they had sent me a bill for a different amount. I never paid the bill. The bill was {$7.00} dollars so now they have put charges, late fees and interest so now its {$180.00} after only a few months. I though American express was a reputable company but they are not. I had the card for years and never owed them any money. Now they are trying to hurt my credit that was over XXXX. 
I am an honest person and I don't cheat people. This is wrong and I am not paying for lies. 

Respectfully XXXX XXXX
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (NY)

XX/XX/2019, I disputed information directly to all 3 credit bureaus XX/XX/2019 I requested debt validation letter from company directly and disputed claim via certified mail. 

Company has failed to provide such documentation
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I had a modification done in XX/XX/XXXX untill my escrow account was audited an closed per my request I have been trying to clean up from the bankruptcy in XXXX which SPS is partially responsible for creating and also bad legal advice from my attorney! 

Im currently 2 payments behind and I will fill out an application for a deferral payment to get my account back on track but they will have me send in all this information and then turn around and deny me for some lame excuse and now I feel its discrimination against me due to my age and or race that since I identify as white make in my XXXX they want me to die to my high equity on house My balance on credit report says {$190000.00} my modifications amount was for {$190000.00} I need explanation why my balance is {$10000.00} higher on credit report verse my last statement They have been constantly harassing me about the payment but I continue to communicate with them frequently as phone conversation are recorded
Consumer complaint received 2024-07-05
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: Experian Information Solutions Inc. (AZ)

I am requesting an update to several accounts in my credit profile, which appear to be incorrect. Under the Fair Credit Reporting Act ( 15 USC sections 1681i ), you are required to complete your investigation within 30 days. Failure to comply will result in a violation of the Act and may prompt an investigation by the Federal Trade Commission : Experian : XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$260.00}. Provide evidence that these accounts are valid and that my rights have been respected. If no such evidence is available, promptly update the inaccurate account information.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Consumer complaint received 2024-08-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (IA)

I requested a debt verification from debt collection company TRANSWORLD SYSTEM INC. They are reporting inaccurate collection accoun on my credit report that is damaging it. I have sent a letter to them asking them to provide complete documents of this unverify collection account. If this collection agency can't provide full proof of documentation remov it from my credit immediately
Consumer complaint received 2024-08-05
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (LA)

Checking my credit report a few months ago, I discovered errors regarding the account of XXXX XXXX  XXXX ( XXXX ), XXXX  ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) XXXX XXXX XXXX  XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ). These are violating my rights. I disputed these errors directly with the XXXX credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting.
Consumer complaint received 2024-07-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

I actually obtained homeowner 's insurance at a lower rate. The mortgage company based the new escrow analysis on a mistaken premium that is about twice the actual amount that I owe. This has increased my mortgage payment from {$930.00} per month to {$1500.00} per month, rather than what it should be, at about {$1000.00} per month, since my new insurance went into effect on XX/XX/year>. I am scheduled at {$1500.00} through at least XXXX, 2024. I have spoken by phone with escrow several times but they can not seem to correct it. I am a XXXX XXXX vet on a low fixed income. I also take care of my XXXX son. I just want them to correct this and get back to where I should be on my mortgage payment. The mortgage company is Newrez in XXXX Florida.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My reason for contacting the CFPB is due to XXXX XXXX unfair and deceptive business practices. I have been in constant contact with XXXX XXXX regarding the funds in my account at the time of account closure, which was a balance of {$810.00} since XXXX. I was told on XX/XX/XXXX that the check has been cashed since XXXX and that they are researching how to get me those funds. On XX/XX/XXXX that a check was being issued to me and I would receive it in the mail in XXXX business days. On XX/XX/XXXX I called again after I still had not received any check but had received a notice of account closure through XXXX. I was told that the check was issued on XX/XX/XXXX but they needed to get in contact with the back office team on XX/XX/XXXX there was a transfer out of the account for the balance of {$810.00}. XX/XX/XXXX I called again for an update when I was told there was a check issued for {$0.00} and they needed to get in contact with the back office. XX/XX/XXXX I reached a representative that told me he opened a research ticket about the check because somehow the funds got placed into an abandoned property account, I never heard anything back. On XX/XX/XXXX I reached another representative that opened a research ticket # XXXX to try and get this figured out and my rightfully owed funds to me, Im still yet to hear back.
Consumer complaint received 2024-08-05
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which are found to be opened due to identity theft. The dispute items 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 XX/XX/2024
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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


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


I demand the late payment reported in 60 days to be removed. 


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


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


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


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


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


Delete the late payments from my consumer reports 8
Consumer complaint received 2024-08-05
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: Experian Information Solutions Inc. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
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. (NY)

I am not liable for this debt with XXXX and don't have contract with XXXX XXXXThey did not provide me with the original application loike I asked. 

Account XXXX. Date Opening XX/XX/year> {$3200.00}
Consumer complaint received 2024-08-21
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. (SC)

I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them, and they should be held responsible for their actions
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: EQUIFAX, INC. (MI)

After I forwarded a copy of the FTC report, it became apparent that you are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-05-08
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: Experian Information Solutions Inc. (TN)

I have recently disputed an account with EXPERIAN connected to XXXX XXXX This account has been disputed but it still remains inaccurate. EXPERIAN is in violation of the FCRA 15 USC 1681e ( b ) compliance procedures. Consumer reporting agencies are required to ensure maximum possible accuracy of credit reports. The account I disputed in XX/XX/2024 is still inaccurate.
Consumer complaint received 2024-08-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Reg E Claim files with Bank of America against Spirit Airlines for not following the Airlines Polict for credits.

Fully documented at Bank of America under claim # XXXX Key Points : Spirit Airlines stated Policy was to allow a prior credit to be applied to a future purchase ( within 90 days ) At XXXX their technology malfunctioned and prevented the application of the credit according to their own policy. 

Their hold times in customer service were unreasonable and it could not be resolved immediately. 

Escalation to a supervisor after the fact did nit result in a policy credit. 

Bank of America wants written evidence of a. A technology screen, b. Documentation of a call ( transcript? ). Which is not available. 

What is available is I paid twice for one ticket creating unjust enrichment for the Airlines. 

This is Deceptive Practice ( XXXX ) I want my {$630.00} returned. 

Increased pressure on charge back volumes have created improper policies at travel merchants. 

Increased First Party Fraud has created a tightening in Reg E responses, which is this case the double payments can be clearly seen.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NY)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-02
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX Then I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-02
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. (IL)

I reported fraud with identitytheft.gov. I have not used my social security number to open any accounts. I went on my credit report because I was denied an auto loan but was confused on why I got denied because I shouldn't have anything on my credit. I looked up my credit report and I seen 3 accounts that I never knew about or authorized. 

I have a apple card account that was not made or authorized by me. It was opened XX/XX/XXXX and it is a total of {$210.00} dollars. Also it is a XXXX XXXX XXXX  account that was not made or authorized by me. It was opened XX/XX/XXXX and is a total of {$510.00} dollars. Lastly it is a XXXX XXXX XXXX account that was not made or authorized by me. It was opened XX/XX/XXXX and is a total of {$910.00} dollars.
Consumer complaint received 2024-08-02
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. (GA)

PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.
Consumer complaint received 2024-08-05
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: Experian Information Solutions Inc. (VA)

This is not the first time I have found inaccurate information on my credit report. The three credit bureaus are required to verify these accounts. It is unacceptable to report these accounts as unconfirmed without validating them within the legally mandated time frame. The following incorrect information on my credit report needs to be investigated, amended, or completely deleted : XXXX XXXX **** Balance Owed : {$15000.00} XXXX  XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-08-05
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: Experian Information Solutions Inc. (FL)

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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX XXXX  XXXX XXXX XXXX XXXX