davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-03-28
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. (FL)

I have reviewed my consumer report and see 2 late payment on the account that I was never late for the consumer report agency Have assumed vital role and have a responsibly To report information to the best of they ability with maximum accuracy I have never been late on payments for the account that I have included in the screenshot inside of this complaint and on dates of XXXX XXXX Please investigate and provide proof with statement that these late payments were late If proof can not be provided I demand that these Payment be updated to paid as agreed on time As they should be due to the fact I was never late. Account number XXXX
Consumer complaint received 2023-11-23
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: EQUIFAX, INC. (NV)

We purchased a new Car in XX/XX/2022- which I did authorize XXXX XXXX to run my credit but after reviewing it there are a lot of inquiries showing which have nothing to do with my loan from XXXX XXXX XXXX ( XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX this showed up XXXX with XXXX different dates XX/XX/2022 and XX/XX/2022 which i authorized neither XXXX of them
Consumer complaint received 2024-03-28
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. (NC)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (TX)

I closed synchrony bank XXXX account in 2019 but they keep sending me emails and they claim they will keep my account open for XXXX years. I want them to close it and delete all my information. The reason there is so much identity theft is partly due to these companies keeping customers information. 
I spoke with a woman, from XXXX who claimed they are legally obligated to keep it which I don't believe is true. Why would they legally be obligated to keep my information? Especially after 4 years?
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (NY)

I was checking my anuual credit report and noticed 3 mistakes in equafax report. First there was information about a credit card taken out in XXXX under my name with XXXX and couple of other places i never did any business with. Theres also a car lease in XXXX, meanwhile i was not driving, as my licence was suspended at the time. Theres also history of a college loan. This is a nightmare. I am unable to live a fullfilled life becouse my private informatio was compromised, social security number was stolen and used for fraudemtial purposes.
Consumer complaint received 2023-11-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ROBINHOOD MARKETS INC. (CA)

I initiated a transfer of {$500.00} on XX/XX/23 from XXXX XXXX XXXXXXXX ( my checking account ) to my Cash Management/Brokerage account with Robinhood. Records from both entities indicate that the transfer posted on XX/XX/23. Within 1 week, I had been in regular contact with Robinhood because the funds were not showing up in my account. They continually advised that they were researching it or that their review team was researching it. They eventually told me over the phone that XXXX XXXX XXXXXXXX had requested the funds back from them which is why they weren't with them. XXXX XXXX XXXX advised that they never requested, or received, any funds back from them. I initiated a dispute at XXXX XXXX  XXXX on XX/XX/23. On XX/XX/23, XXXX XXXX XXXXXXXX advised that they could not pay my claim based on information received by Robinhood, with final notice being received on XX/XX/23. Robinhood then claimed that I spent those funds and provided cherry-picked information to backup their claim. I resubmitted the claim on XX/XX/23, with documentation ( detailed transaction history from Robinhood ) showing that they received the {$500.00} on XX/XX/23, but then did a " chargeback '' on XX/XX/23 for that same amount, effectively putting my account at {$0.00}XXXX XXXX XXXX XXXXXXXX just responded on XX/XX/23, advising that they could not pay on the claim because I legally initiated the transfer. I also sent another request for the funds to Robinhood and on XX/XX/23 they responded stating they closed my account due to a violation of the customer agreement, though they would not specify which, and that they are " unable to verify the legitimacy of the remaining funds on your account. Therefore, no money remains to be returned to you. ''
Consumer complaint received 2023-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I purchased a single family home as an investment property on approximately XX/XX/XXXX. 

My original loan amount was approx. {$76000.00}. My current principle balance is approx. {$42000.00}. 

20 % of the original sales price is approx {$15000.00}. 
80 % of the original sales price is approx {$60000.00}. 

The current market value of this property is approx {$260000.00}. 

Over the past few years, I have made several requests to have the Private Mortgage Insurance ( PMI ) removed, but each request is denied by the mortgage company Shellpoint ( a division of NewRez ). 


I believe the mortgage company is in violation of the Homeowners Protection Act of XXXX, and I am requesting assistance getting my request to remove the PMI honored by the mortgage company.
Consumer complaint received 2024-03-28
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. (IN)

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditorsXXXX XXXX by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-12-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: E MORTGAGE MANAGEMENT, LLC (NJ)

For the past 8 years I have been submitting NUMEROUS complaints on behalf of a delinquent mortgage that has changed hands REPEATEDLY since then containing multiple errors including a FALSE IDENTITY then finally discovered that XXXX XXXX was behind the fraud scheme the entire time as you know. I have been reporting the loan ORIGINATORS the WHOLE ENTIRE TIME ONLY TO BE LAUGHED AT AND CLOSED MY COMPLAINTS>>>>>>>>>>>>>>>justice will be served.
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

A mobile deposit was made into my personal checking account and thus a bank hold was placed. 
This transaction took place on XX/XX/2018 for the amount of {$1000.00}. 
Noticing this bank error I called Chase to inquire why is a hold being placed on a check in an account where ( 1 ) there has NEVER been a non-pay deposit and ( 2 ) a deposited check routing number that had previously passed through my account?

Chase APOLOGIZED and released the hold immediately. 
In the mean time - ( 3 ) NSF occurred on XX/XX/2018 for items that presented against the account - when the bank hold error was placed. 
Spoke to XXXX in XXXX, OH. ( XXXX XXXX CST ) who was totally nasty from the onset of the conversation and refused to listen.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Paypal Holdings, Inc (MA)

To whom it may concern, I am writing to address a deeply concerning issue regarding the suspension of my Venmo account, which has left me both frustrated and bewildered. To provide context, my original inquiry regarding the initial suspension was made on XX/XX/XXXX, and the ticket number for that concern is XXXX. 

I was grateful to receive a response on XX/XX/XXXX, after my concern was escalated, indicating that my account had been reinstated. However, my relief was short-lived as I received yet another email today, informing me that my Venmo account has been suspended once again. This recurring issue has left me bewildered and distressed. 

I want to emphasize that I have consistently adhered to Venmos User Agreement and have never engaged in any activity that would warrant an account suspension. I firmly believe that this latest suspension has occurred in error and should not have happened.
Consumer complaint received 2023-08-30
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

have an XXXX XXXX card and my payments are on the XXXX of each month, and by mistake I made two payments last month on the XXXX and XXXX of {$1000.00} each, when I realized I called them and they say that the return process A payment takes more than a week and today it is 2 weeks and they do not return my money, and I made two purchases and they have already been deducted and my payment for the following month is also deducted, I think it is not correct, they just charge a fee if you spend a day quickly they should process the refund of my money quickly and wait for the day of my next payment for me to do it and not for them to charge it directly
Consumer complaint received 2023-04-22
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: Kikoff Inc. (OH)

I am filing a complaint with XXXX and Kickoff Lending LLC. I sent my first verify dispute letter on XXXX XXXX, 2023, to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to Kickoff Lending XXXX, regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.
Consumer complaint received 2023-04-20
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$9200.00} XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX Balance XXXX {$8600.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2024-04-19
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-05-19
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. (IL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-03-28
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. (TX)

I have explicitly notified your organization of the egregious violations you are perpetrating against my consumer report. Despite ample time, exceeding the statutory 30-day period, you have callously ignored my correspondence. Enclosed are copies of every communication sent to your attention for your awareness.

Your blatant disregard for my consumer rights is utterly unacceptable. Your failure to address these violations is a clear violation of federal regulations, constituting an egregious breach of trust and legal duty.

Your deliberate negligence in responding to these concerns has caused irreparable harm to my financial standing and reputation. Your inaction demonstrates a flagrant disrespect for consumer protection laws and exhibits a willful disregard for ethical business practices.

I demand immediate and decisive action to rectify these transgressions. Failure to do so will result in further legal action and public exposure of your unethical behavior.
Consumer complaint received 2024-03-28
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. (FL)

In accordance with the fair credit reporting act this creditor XXXX XXXX  # XXXX has violated my rights under XXXX XXXX XXXX section XXXX states I have the right to privacy XXXX XXXX XXXX section XXXX A section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor XXXX not treat a payment a credit card account under an open end consumer credit plan as late for any purpose Please Supply Me With Information That Was Used To Verify The Item ( XXXX ) Or Delete The Late Payments
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

I opened the account and a week and a half later they closed it because I found some laws Title 15 Sub-section title 1611 faults and misleading denial of my own credit .that states that you can not deny one person of their own credit, and they close my account because of that. The arbitration agreement states.15 USC 6802, 15 USC 6803, 15 USC 6804 and 15 USC 6805
Consumer complaint received 2023-07-07
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: CITIBANK, N.A. (NJ)

XX/XX/2019 XX/XX/2019 XX/XX/2019 In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states.I have the right to privacy 15 USC 1681 section 6 o 4 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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.