davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX CHANGED information previously reported as accurate, on my Credit report more than a year after the account was closed I believe this was done maliciously in coordination with XXXX XXXX to cover up sloppy bookeeping. Dates of payments received were changed XX/XX/XXXX AFTER I disputed information from my Credit report that showed XX/XX/XXXX payment was paid & verified as ACCURATE by Equifax & XXXX from XX/XX/XXXX through XX/XX/XXXX. My rights under FCRA are being violated. The information provided in my credit reports ( Equifax & XXXX ) are unfair, inaccurate, incomplete & totally unverifiable!
Consumer complaint received 2023-07-09
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. (PA)

In accordance with the Fair Credit Reporting Act DPT EDXXXX Account # 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 an account without my written instructions
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (CA)

I mailed a dispute to Experian which included personal information on my credit report that was inaccurate and asked Experian to investigate and correct it ASAP. I read on the CFPB website how to dispute and that I should expect a response with the updates in 30 days per the Fair Credit Reporting Act which is a consumer law that holds the credit reporting agencies in compliance. Instead of getting the information investigated and corrected, Experian sent me an email stating that they would not be investigating anything because it didn't appear to be from me. First, I never gave Experian my email so I'm not sure why they have my email or why they felt it was okay to respond to me by email. I have disputed information on my credit report in the past and received results in the mail with a full credit report. This appears to be an excuse not to investigate or comply with the Fair Credit Reporting Act, further violating my rights! Hopefully by filing a complaint with the CFPB they will Take Action against Experian to stop them from sending emails and comply with the Fair Credit Report Act and investigate my disputes!
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, Amex called me during my work on Wednesday the XX/XX/2018 around XXXX Pacific Time from the following number : XXXX XXXX XXXX XXXX. They told me they were cancelling my card because I used it to send money to someone on XXXX. They were not very amicable and being at work I was kind of confused with the situation. I asked if we could talk about and explain the situation in order to understand what was happening better. This was to no avail. 

So I checked my XXXX transaction history after my shift. I never used my Amex to send money to a family member, I used my XXXX card. 
they said I used it to send money to my uncle using XXXX. 

With that information, I tried explaining that online in their chat service. They told me to call XXXX XXXX XXXX, spending more than an hour being bounced back and forth between different people, they told me to call XXXX XXXX XXXX. After another long wait, I am told to call XXXX XXXX XXXX! I finally reach the original caller 's voice mail. Leave a message explaining that I used my XXXX card to send money not Amex. 

Next day, Thursday the XX/XX/2018, having not received any reply from the original caller. I call customer service again, I am passed on to three different people. They repeat the same exact scripted nonsense without listening to what I have to say. Anyway, I am finally told that the original caller is out until the XXXX and it's too late they already decided to cancel my card. 

After some argumentation from me, I was quite aggravated but remained polite throughout the conversation. I am told to call her replacement at XXXX XXXX XXXX extension XXXX. Again, I leave a voice message explaining everything to her and asking her to please call me back. 

Today Friday the XX/XX/2018, having not received a callback from the above mentioned person, I try my luck on twitter. After wasting more time there, I am told that they can not do anything and I need to call someone else somewhere. 

This situation is very intriguing because as I recall I had around XXXX XXXX points that I was trying fo transfer to XXXX XXXX miles program so that I could buy a ticket for my mother. The synchronicity of this while situation is very odd and having read about Amex 's practice online I can understand why they would inflict financial damage, stress and anxiety upon in order to confiscate my reward points and benefits. 

I would be grateful to you if you could help in any way you can as soon as you can, Thanking you for your understanding, Kind regards,
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (SC)

In XXXX I reached out to Discover Card via chat to let them know that I was struggling financially. My single parent adult daughter had been laid off from her job and I was trying to help her with eviction, food, and care of my grandchildren. I stated most of my payments were going toward interest and what options were available to me. They offered a fixed rate and a little lower payment contingent on me paying my payment ( not 30 days late ). I wasn't able to complete this request, but did make the full payment for XXXX. I again reached out and was told of the previous payment option and if I did this my late payment would not be reported to the credit bureau. I did agree and paid my first payment on XX/XX/XXXX under the payment plan ( although the amount due is higher than I originally paid and more than I expected. ) I requested and received a copy of my free credit report and to my surprise Discover had reported my payment being 30 days past due in XXXX. I reached out to them yesterday and was told " we are not credit analyst '' I didn't understand that statement. I stated I realized they were not credit analyst, but I was told my account would not be reported past due, but it was. Again, the agent stated they were not credit analyst. I was under the impression that if I entered into the payment agreement and paid I would not be reported to the credit bureaus as being late.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-04-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (NY)

I keep getting phone calls from a woman claiming to be from Diversified Adjustment XXXX. When I ask what this is in regard to she asks for personal information, Name, address etc. I ask again what this is about and she hangs up on me. They call me every day, several times a day. They never leave any messages. I am contacted every day from several similar, but different phone numbers. XXXX XXXX XXXX Also, currently collectors arent even supposed to be calling in nys due to the pandemic.
Consumer complaint received 2020-04-16
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. (FL)

In the month of XXXX My wife and I had mailed a dispute into Experian regarding the incorrect reporting of our mortgage loan. We had both mailed the same letter ( attached ). We each received notice that the information disputed wasn't valid and that we'd need to provide more detail and that it wasn't processed. Then a couple days after that, we received another notice stating that the dispute was completed, and the results stayed the same. 

We had both called Experian, with our mortgage lender on the phone, and indicated what our dispute was. The rep allegedly submitted a dispute stating that our mortgage was not a foreclosure. We received correspondence back from that stating again the creditor furnished correct information. The rep acknowledged that we still have ownership on the property. 

We both received our results stating that the original creditor verified the information as being correct. 

We called Experian again and the rep had indicated that the months in question shouldve been disputed and not the entire account. He further stated that the previous rep had disputed the entire account incorrectly. Again, we waited only to get the same results. 

The issue here is how Experian reports a borrower, where foreclosure may have started and/or was being reported during a trial period of a loan modification. In the months of XXXX, XXXX and XX/XX/2018, our mortgage was coded as an " XXXX '' which is the foreclosure status. This incorrect reporting is prohibiting us from being able to purchase a new home. We are being told that the automated underwriting system used, both through XXXX XXXX   and XXXX XXXX, are giving a denial since there is a foreclosure reporting on the credit report. The other two bureaus do not report the modification trial period as an XXXX. They each have reported a XXXX or being 120 days past due during those months. 

From my understanding via my lender and through self-research, Experian 's reporting is inaccurate. The home was never foreclosed upon. The status reporting shouldn't be that of a foreclosure or even pre-foreclosure which indicates that the home was sold before being foreclosed upon. This incorrect reporting should have been at XXXX for those months, which would alleviate my issues. 

Now I'm at a loss since we are in jeopardy of losing our newly built home to address our change in family size. We have a deposit on hand with them and have been trying to rectify this since XXXX which we stand to lose along with not having a place to live. The home in which this inaccuracy is reporting, which is under contract to be sold, almost XXXX years past this error.
Consumer complaint received 2020-04-16
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. (OK)

605b complaint was not answered in a timely or proper manner in accordance to FCRA. I request immediate compliance or reasons as to why my complaint was not answered lawfully.
Consumer complaint received 2024-04-04
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. (SC)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts. Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681
i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-04-19
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)

I sent a letter to the credit reporting agencies on XX/XX/2023 informing them that they are reporting inaccurate information. The account is XXXX XXXX. It has been past 30 days and the account is still reporting. The company was not able to verify this information so why are you reporting this account? In the letter, I stated that the creditor was not able to find record of the account therefore it should be deleted. In addition, the date last active is not the same and I am well aware that all data furnished should be in compliance with the FCRA which this account is not. I am again requesting that this account be removed immediately. XXXX has since removed the incorrect information from my credit report. Please see the attached dispute letter that was sent last month which is dated and time stamped. The account that should be removed is highlighted.
Consumer complaint received 2023-10-19
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-19
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # 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.

15 U.S.C 166b A Credit or May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my 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 & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit report and noticed an account that was not reporting acurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accurancy. This account ha not been late on payments I've attached a copy of my report to this complaint on the following dates XXXX XXXX, XXXX XXXX and XXXX XXXX. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for you understanding and promp action.
Consumer complaint received 2020-04-16
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. (OK)

605b complaint was not answered in a timely or proper manner in accordance to FCRA. I request immediate compliance or reasons as to why my complaint was not answered lawfully.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I received an alert on my XXXX credit report from a creditor XXXX XXXX XXXX. I have never opened any account with XXXX XXXX XXXX I went to the police station and reported my identity stolen.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Hello, my name is XXXX XXXX. I am writing as a result of poor customer service and account handling of Capital One. I Redeemed XXXX miles for a honeymoon flight. Unfortunately, we were forced to miss our flight due to an emergency XXXX. I required for removal of my XX/XX/XXXX. I called capital one to inform them that this trip with no longer be possible and that I could provide any proof necessary of my XXXX I called on XX/XX/XXXX and was directed to call the airline to have this taken care of. The airline, however, referred me back to capital one. I called again on XX/XX/XXXX and spoke with a supervisor, XXXX, who refused to escalate my call further, and was adamant that he was the only person who could handle the situation. I requested the office of the president many different times during this call I did not receive any empathy for the situation and asked if this is worth losing a XXXX year customer over, to which they replied this is not our intention but we understand. I was not provided any specific terms that justifies refusal to reimburse me for the full amount of the flight that was missed. I tried to rectify this after the XXXX and before the flight was scheduled to take place. I feel that the stress the situation is causing me is a direct result of inadequate training and lack of people skills amount this company.
Consumer complaint received 2023-10-19
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. (NC)

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.