davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
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. (IN)

In accordance with the fair credit reporting act XXXX  Account # 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 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scheer, Green & Burke L.P.A. (MI)

I asked for the original bill to see what the dept was for/ about & asked if it was sent to my insurance company. She said she could not give me that. I asked how is the amount she says I owe different than what the hospital said I owe. Hospital told me I did not owe the amount the creditor sent me & the hospital accepted a payment from me that day. Two days later after payment to hospital the creditor sent me a email saying to only pay them directly. I figured it was a scam because hospital took my payment on several different occasions & said I do not owe anything else. 
This was in 2022. When I called creditor today to ask what are my state taxes being held for. ( ( not knowing this was same as year before ) ) she was completely rude- told me I know what the debt is about & hung up on me.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

I have the XXXX card with the higher {$99.00} annual fee. I used my card on XX/XX/XXXX on a XXXX flight and have not received the 50 % and bonus points for in flight purchases.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid 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: HEARTLAND PAYMENT SYSTEMS INC (OH)

We are a small corner business and we sell beer/cigarettes/grocery. 

We recently received a dispute from our credit card processing company that a purchase was fraudulent. We attempted to dispute it with Heartland, however they continued to charge us. Essentially, we were charged yet again for the purchase. 

This purchase was made by the customer via entry into the pin pad for XXXX on XX/XX/23 and today XX/XX/23 we were informed that the charge was fraudulent. Heartland refuses to reimburse the charge even though the customer was present. I have contacted the police as well.
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (NV)

On XX/XX/23 I wrote a certified letter to XXXX, Equifax, and XXXX in regard to my private nonpublic information supported by 15 USC 6801. In the letter, I stated that I elect to OPT OUT of reporting information from XXXXXXXX XXXX and reporting information from XXXXDept of Ed protecting my right to privacy according to 20 U.S. Code 1232g - Family educational and privacy rights I elect to OPT OUT of reporting this private information.
Consumer complaint received 2023-11-15
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. (PA)

THESE INQUIRIES IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo opened 3 credit cards for me in XXXX and I have requested them to close my cards. I have received the letter in XXXX stating that was a fraud on their part. Wells Fargo reported the credit card debt to consumer credit report for collection service. The collection hurt my credit score significantly. Please remove that debt from Wells Fargo. Thanks.
Consumer complaint received 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It has been more than 60 days since I have mailed off a dispute regarding some accounts that are on my consumer reports and I have yet to receive a response from these companies which makes me wonder if they are even doing their job as described by the law. In my dispute is gave these agencies instructions to opt me out of reporting the following nonpublic information from my consumer reports. The accounts are ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Pursuant to 15 U.S. Code 6802 I am revoking any and all authorization I may have given you regarding the reporting of these accounts. This pertains to my right to privacy as a federally protected consumer and I am requesting that this information gets removed immediately as I do not want it there.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I submitted 3 tickets from XXXX to XXXX customer support team letting them know I couldnt access the app to update my bank account. I didnt receive a reply until XXXX and I was reported being 30 days late to the credit bureaus. They dont answer phone calls. If I cant access the app, I cant pay.
Consumer complaint received 2024-03-20
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-15
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)

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 XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-08-13
Product: Credit reporting, credit repair services, 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. (NY)

There is information that is on my consumer report that is indicating a debt that is inaccurate and claimed against me. I have noticed inaccurate addresses that I never used or received XXXX mail from and daily harassing calls from XXXX XXXX and XXXX XXXX for a charged off debt that is nearing 7 years of being written as a loss from the original creditor.There is also a account I never opened and was seeking investigation as in that time ; I didnt open ANY accounts. I also show a late payment on another account in which I was never late and need assistance to dispute and remove so I can look forward to buying a new home. Your assistance would be greatly appreciated, as the rampant phone calls is affecting my productivity and functionality during my working hours.
Consumer complaint received 2024-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

In XXXX of XXXX I applied for refinancing with XXXX  of XXXX  before the second mortgage matured in XXXX of XXXX and in XXXX of XXXX they turned me down. I asked about a modification load and they played their game so I when for refinancing with a different company. I was turned down by th because the bank had posted a 90 day late charge to my credit. I wrote a letter to the credit department but never received a response.The bank continued taking my payment for the next 3 years before selling the contract to SPS. I continued to pay the payments to SPS starting in XXXX of XXXX. I tried to get refinanced with another company because the interest rate was better than what I had now. I again was turned down by other companies and found out that this company was posting 90 day late charges to my credit account. I never missed a payment with them and havebeen sending the payment by registration mail. I asked the bank if I could give them a partial payment but they want full amount. In XXXX of XXXX they told me they were not going to except any more payments but I still continued sending payment that they destroyed and sent letters saying they had done that. In XXXX this year they indicated they were foreclosing on the house in XXXX. They indicated there no other option for them. I offered 50 % of the amount but they want it in full.
Consumer complaint received 2023-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (NY)

In response to the letter, your company sent a pile of statement received from the creditor as proof that I was credited for the alleged transaction. Further, the creditor reported this on my consumer report as " charge off ''. It means the creditor will no longer attempt to collect this alleged debt owned by them. Therefore, pursuant to my rights, I approached the creditor and asked the following questions. 1. Have they sold this alleged debt? 2. To whom is the alleged debt sold to? 3. Are they still in the process of collecting the debt? Through the response received from the creditor, I would like to inform Transworld Systems Inc. has violated 15USC 1692j ( a ) because Transworld Systems , Inc. furnished a deceptive form to create a false belief in me as a consumer that the " creditor '' was attempting to collect the debt but in reality, it was not true.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was offered a retention bonus of {$150.00} provided I spend {$1500.00} within 3 months. To my knowledge I have fulfilled the terms of the agreement on my end yet did not recieve the bonus. 
The companies conduct has been extremely disappointing, while trying to resolve this issue I have come across the following issues/complaints : XXXX. Initially at the time of first receiving the offer and at various intervals following that date, I had requested a copy of the terms of the offer, the company had promised to deliver such terms by email yet did not follow through. Recently it has been made clear to me that it is company policy to only provide the terms at the time of initial offer, and orally, they have confirmed that they do not provide written terms even upon specific request. 

XXXX. When making a recent request for clarifications regarding the non-received bonus, the company initially claimed that no bonus was offered, after persistent messaging, the company conceded that the offer existed yet claimed that the terms were not met. 

XXXX. I filed a complaint with the company and finally received a response that they will not honor the agreement, claiming that I had not fulfilled the terms. 

My complaint is that ( i ) I have never received the terms of the offer in writing though I have requested such confirmation of terms on multiple occasions, thus denying me the ability to reference them in the future as the need arose ; and ( ii ) I have completed the required spend, and I have fulfilled the terms as I have understood them and as according to my recollection have been described to me in the oral agreement at the offer date, but according to recent inquiries the company maintains a different time frame and thus maintains that the final spend was outside the time window, the company therefore refuses to honor their side of the agreement.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-09-19
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)

Please remove inquiries : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-19
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. (TX)

i have information that does not belong to me in my report and it is harming me, i want it to be removed from my history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
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: Synovus Bank (CA)

I have a list of companies that have run inquiries on my name that i did not authorize nor have no knowledge of until. I am a victim of identity theft and have rights as a consumer. I have docs to provide the status of being identity theft victim
Consumer complaint received 2024-03-20
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. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-10
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. (TX)

Experian, XXXX, and XXXX are reporting inaccurate information on my credit file regarding XXXX XXXX XXXX. 

XXXX reports the Balance {$780.00} and the date the account was opened was XX/XX/2019. This is inaccurate information. They also list XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. # XXXX. 

Experian lists XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. 

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). XXXX, XXXX, and Experian are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts posted to a person 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see the Verifiable Proof of an original Consumer Contract with my Signature on it for XXXX XXXX XXXX. You can't provide one because NO CONTRACT exists. In addition, XXXX XXXX XXXX lists XXXX XXXX XXXX XXXX XXXX as the original creditor. This isn't the accurate name of the original creditor and I never gave my consent for any of these companies to share my data. 

One of these companies has fraudulently reported that the business address for the storage unit is my personal home address. This is false, misleading, and I don't think a business should be able to dictate to a credit reporting company where I lived or did not live. 

I am not liable for this debt. I never signed a contract with XXXX XXXX XXXX and have been harassed by their constant calls and damaged by their fraudulent reporting of this debt. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. I have asked multiple times for validation and received nothing. How are the credit bureaus validating this?
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act XXXX Account #, 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 2023-04-22
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: First Federal Credit Control, Inc. (FL)

In accordance with the Fair Credit Report Act 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 an account without my written instructions.

Based on my knowledge I don't owe this creditor.
Consumer complaint received 2020-07-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY ()

Dear Ms XXXX XXXX Wells Fargo Bank thank you for your letter unfortunately it contained no legal evidence from your Bank to prove your claim. Evidence I have been requesting from Wells Fargo Bank for the last four months since this case was brought to the CFPB. If the bank has transferred my fathers estate legally then the bank should not any problems to send me my lawyers and the CFPB the legal documents you used to transfer this estate. If the bank does not wish to send me these documents on the Wells Fargo secure email then please send them here it does not get any secure than the CFPB website. The bank is kindly requested to present the following documents so I can close this case and spare me two lawyers fees and to take the bank to court. The documents are as follows the name of the beneficiary entitled to this estate. The original death certificate you received from XXXX notarized by both the XXXX Government and the US Embassy based on it you transferred this estate. The original signed XXXX form with both signatures signed by my father and the beneficiary. The date of the estate transfer. The Oregon tax returns you filled to transfer this Estate. Please send me and the CFPB these documents to review and to close this case. If the bank will not prove the legal transfer of this estate then I will continue with the legal proceedings thank you for your understanding. XXXX XXXX XXXX