davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/2022 ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ XXXX LATE PAYMENTS NEED DELETED & ACCOUNT ASAP PLEASE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NV)

On or before XX/XX/, I filed for a " Cellular Telephone Protection '' claim with Chase Card Benefit Services ( " Provider '' ), which was assigned a case number. 

Provider has intentionally made receiving my benefits byXXXX XXXX XXXX. They have intentionally ignored my requests for written explanations On XX/XX/XXXX, I called Provider as they requested, and was informed that I needed to submit " A copy of a diagnostic from an authorized service center stating what is wrong with the product and whether it is cost effective to repair it. ". Provider intentionally did not provide this information to me ahead of time, and waited until I called to provide this information. The same day, I provided the information. 

On XX/XX/XXXX, Provider demanded same information that had been already provided on XX/XX/XXXX. 

On XX/XX/XXXX, Provider requested additional information. 

On XX/XX/XXXX, I called Provider to request additional information. The information requested was the credit card used to purchase the card. That information is irrelevant to determining the benefit. The benefit does not depend on the method of purchase. 

On XX/XX/XXXX, Provider had all the information required to properly adjudicate the claim, but refused to do so. Claim remains unpaid.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I submitted dispute through Experian online portal on XX/XX/XXXX at XXXX CST regarding inaccurate/ incomplete balance history for accounts listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its safe to say a thorough reinvestigation was not completed since ALL accounts reported back as verified/updated XX/XX/XXXX at XXXX CST, but all accounts appear to be reporting the same discrepancies. I am asking to be provided with ALL ACCOUNT LEVEL DOCUMENTATION that was used to verify accounts in dispute between the furnisher and credit reporting agency. Pursuant to the FCRA " Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information ''. Said companies is in violation of 15 USC 1681S-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. In addition, said companies are in violation of Privacy Act of XXXX.
Consumer complaint received 2023-05-23
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. (KY)

After making several disputes with XXXX XXXX and TransUnion, I decided to call the data furnisher Nebraska Department of Health and Human Service Account # XXXX. I found several inaccurate reporting of derogatory and incomplete information on payment history, no first delinquency date or inaccurate on record Until date, and inaccurate payment history XX/XX/XXXX {$900.00}, XX/XX/XXXX {$8300.00}. Also, I have made several phone calls to them requesting the first delinquency date, so I know when this public record should stop being reported on my consumer reports. When will this account be removed from my consumer report? I was told that the first delinquency date was XX/XX/XXXX and asked about deleting the account since It was past seven years. The representative at Nebraska Department of Health and Human told me only the consumer reporting agencies can delete the account. XXXX stated only the data furnisher can delete this account but shows no first delinquency date. TransUnion showed a re-aged account XX/XX/XXXX on my consumer report in XXXX and XXXX consumer report XX/XX/XXXX and no date currently reporting. XXXX doesn't show any first delinquency date and removal date. No one has as of yet told me when does the child support account will be deleted from my consumer report. I have found several violations on my consumer report. I don't know what my first delinquency date is and I have the right to know the first delinquency date so I can know when this child support account will stop reporting on my consumer report. It is inaccurate information because it has changed over the 22 years it has been on my account. I demand immediately deletion of this account from Nebraska Department of Health and Human for violating section 605 ( a ) ( 6 ) prohibits the reporting of any adverse item of information that antedates the report by more than seven years. It's the furnisher responsibility to provide accurate information to the consumer reporting agencies, therefore I demand a immediately deletion of this account. Nebraska Department of Health and Human Services has violated 15 U.S.C 1681s-1 and 1681s-2 ( b ). You are also in violations of 15 USC 1692j ( a ). Be advised if you fail to comply with this request. I may turn the matter over to an attorney.
Consumer complaint received 2023-06-15
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: Army and Air Force Exchange Service (NC)

In accordance with the fair credit reporting act Military Star Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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 1666B : 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 2022-11-08
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. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-23
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. TransUnion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY (NY)

I XXXX, a living woman was contacted by Delta Platinum American Express. They closed the credit card account before notifying me. After closing the account I continue to receive harassing calls 4 to 5 times per day for over a month starting in XXXX. I asked that telephone communications stop because it was at all times of day, while I am at work or other inconvenient times. I requested that communication to be kept in the mail. The agent agreed, stating that it will be added to the files. 
Two days later the calling continue back to back during my work days, driving home, at the doctors office. It was driving me insane. I was scared to answer the phone. Last week my mother received a telephone call stating that American Express is trying to reach me. I spoke to the agent and again requested that communication kept in the mail. I did not give Delta American Express to contact a third party because that is violation of my privacy. 
On Sunday XX/XX/XXXX my mother received another call from American Express. She hands me the phone, it American Express again, after demanding that communication should be kept in the mail. I spoke to the agent. I asked that they stop harassing me. I requested communication through the mail again. This is now the third time. I did not give permission to call and harass someone else. 
I stated that I will make the payment in full after receiving a verification of the credit agreement. The agent proceeded to ask me why I wanted a verification if I made previous payments. He threatened that my information will be sent to the credit agencies and that my it will be bad for my credit because a collection agency will start calling me next. I did not give permission for my personal information to be shared with any third party but theyve already done so when contacting a member of my family. This is harassment. Ive been harassed since XXXX. Today, again I received another telephone call from the company after requesting to not receive telephone communication. This company has violated my human rights in many ways. It must stop.
Consumer complaint received 2023-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've noticed unauthorized inquiries on my credit report that I would like removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PR)

Never pay late, and they show a late payment on 30 days in XXXX in XX/XX/2022, in Equifax in XX/XX/2022, in XXXX in XX/XX/2022. I have the evidence I send it. And the sell and closed the account is a violation to report late payment in a closed account.
Consumer complaint received 2023-09-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (CT)

At this time I would like to know who's in charge of the CFPB redress of allocations and CFPB investigations. 

because attorney general XXXX of Connecticut. & every official office has failed my family as MY LATE HUSBAND WITH A CREDIT SCORE OF XXXX AND I AND OUR XXXX CHILDREN were PROMISED a simple hardship modification due to the fact that my husband of XXXX  years, OUR ONLY SOURCE OF INCOME was XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS HARD AS THAT WAS AND FOUGHT ON TO PROTECT OUR HOME FOR MY FAMILY ARE FOR CHILDREN AND AS SOON AS I HAND DELIVER THE DEATH CERTIFICATE WELLS FARGO XXXX ATTORNEYS HAD OTHER ILLEGAL UNLAWFUL AND DECEITFUL PLANS! I HAD A UNITED STATES DISTRICT COURT CASE IN WHICH ALL PARTIES WERE PERCEIVED NO FURTHER EXCEPT IN THAT COURT HOWEVER 2 DAYS AFTER THE USDC XXXX XXXX ct XXXX XXXX XXXX ordered all parties to proceed. No further in any other court!! MY DEED WAS ILLEGALLY UNLAWFULLY TRANSFERRED TO KNOWN REAL ESTATE PREDATORS WHO THEN STOLE OUR HOME FOR XXXX. WE LOST EVERYTHING AFTER XXXX FIGHT AND WE'RE HOMELESS DESPITE NY FILING THE XXXX XXXX XXXX 

ALL ALONG THESE PEOPLE SOUGHT PROFIT OVER MY FAMILY - IN EVERY COURT TO EVERY JUDGE AND EVERY OFFICIAL I NEVER WAVERED IN MY TESTIMONY AND I HAD ALL MY DOCUMENTS IN ORDER,!! 

NOT FRAUDULENT PERJURIOUS DOCUMENTS TESTIMONIES THAT THESE PARASITES WERE COMMITTING IN OUR COURTS, ALL ALONG XXXX XXXX vultureS WERE GOING TO FLIP OUR HOME AND I TOLD EVERY JUDGE THE SAME THING AND THEY DID- THEY FLIPPED IT FOR A {XXXX} we got NOTHING!!!! JUST SHATTERED HUMAN BEINGS!!! 

MEANWHILE despite 2 APPELLATE CASES, state judge reached in on over and removed our protection from the stay! AS OF XX/XX/2020 With a CT STATE XXXX XXXX forcibly removed us from our only home, OUR XXXX CHILDREN & I LOST EVERYTHING INCLUDING ONE OF OUR RESCUE PETS - AN EMOTIONAL SUPPORT ANIMAL WAS NEVER SEEN AGAIN - Indoors ONLY! 

Attn : XXXX XXXX PLEASE HELP MY FAMILY AT LEAST REGAIN THE PRINCIPAL AMOUNT OF OUR ONLY FAMILY HOME + irreparable damages done to my family by these predators. I've probably submitted a dozen complaints to the CFPB, the department of banking, everyone that was supposed to help and protect us and no one did anything to protect OUR RIGHTS
Consumer complaint received 2023-07-12
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: Mr. Cooper Group Inc. (GA)

In XX/XX/2023 I was reported by my mortgage as being 30 days late on my monthly. Payment which incorrect. I contacted the the company and reported this inaccuracy and was unsuccessful in this being corrected. I've been paying on this mortgage for XXXX months never late that in itself should speak volumes to my character. I have great credit and this has impacted in a negative.
Consumer complaint received 2022-11-08
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. (NY)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account 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/block any account 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 account which do not belong to me or opened without my permission : XXXX/XXXX  XXXX XXXX opened : XX/XX/2018 XXXX : {$240.00}.
Consumer complaint received 2023-05-23
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, has 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
Consumer complaint received 2024-05-11
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 (VA)

I received a AMEX Gift card back in XX/XX/2023. I've been unable to use this almost anywhere ; I've only succeeded twice. It keeps getting declined by the standard online retailers and is now also declined on previous XXXX purchases that have worked in the past. I've included the only two transactions I've managed to complete.
Consumer complaint received 2023-05-23
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. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX XXXX XXXX5 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 this item 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 2023-12-11
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 (TX)

I received some American Express Gift Cards through my rewards program with my AMEX credit card back in XXXX. I have struggled to find places to use them, as almost no merchants accept them. 

After MANY tries, I finally found a place to spend them, so I wanted to use them up and be done with them since they are such a hassle. During my attempts to spend the cards, one card was locked and put on " HOLD ''. The AMEX gift card website where you check your card balances said to call the number on the back of the card to resolve this. 

So I called them today, XX/XX/XXXX, and after being hung up on once, got someone who said they could not help me unless I gave them an 11 digit serial number on the back of the card. But there is no such number on the back of the card. They refused to help me otherwise. I then called the AMEX number associated with my rewards card and they could not help me either. And both numbers/individuals I called had no idea where I should call to try to get it resolved. 

So I have a {$250.00} AMEX gift card that is locked/on HOLD by the system for an unknown reason, that no one seems to be able to fix so that I can use it. And the company provided numbers that said that I was told would help me, can not. I was told by one CS agent that I was just out of luck. And that is not acceptable or fair. This card was placed on hold by the AMEX system - and no one can release it!
Consumer complaint received 2024-02-15
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: EQUIFAX, INC. (SC)

I sent a debt validation to for specific debts found on my credit report with the three bureaus and XXXX is the only one who responded. Equifax and XXXX has not. I have a tracking number showing when I mailed the method of verification letters. And I received an updated credit report from all the bureaus. XXXX was unable to produce their method of verification so they deleted the XXXX XXXX XXXX account and XXXX XXXX and Equifax and XXXX didnt show me their method of verification but stated that the companies have certified the accounts as accurate and correct. They have not fulfilled the duties asked for them and are violating my rights. 
Equifax tracking number : XXXXXXXX XXXX  tracking number : XXXX
Consumer complaint received 2023-06-03
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: Williams, Rush & Associates, LLC (GA)

I requested that account be removed remove off of my file Iv requested validation of debt contract signature anything proving the debt is mine. and have not received anything in 120 days I have filed conplaint with FTC. By consumer law codes 15 US 1692. By law account has to be removed.