davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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: Experian Information Solutions Inc. (TX)

Reporting Violation : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

After researching my state treasurers website ( SEE ATTACHED SCREENSHOTS ) I found that Experian and several of these " creditors '', are NOT legally licensed in the State of Texas to operate as a debt collector or reporter. I have reported the bureau to the Texas State Treasury Violation Department. I have been notified that the illegally operating consumer bureau must delete the false information from my file or receive legal reciprocation. 

The following must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (MS)

I received 6 calls on Monday XX/XX/2023 and on Tuesday XX/XX/2023 I received 7 calls from Tower loans in XXXX XXXX XXXX I told XXXX the branch manager i would be in there on XX/XX/2023 to make a payment. She then threaten me with legal action if I didn't have a payment in by XX/XX/2023. She also left messages with this same threat. She was also calling my place of employment which i travel and never at that location.
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MI)

Issue with American Express and XXXX XXXX XXXX. Specifically, there overreach of removing funds from our XXXX account based on a mis-keyed web credit card payment for which we never received the funds. 

One of our larger clients office managers went to our website on XX/XX/2022, to use our after-hours online bill payment system. She was trying to pay an invoice for {$720.00}. By mistake she mis-keyed the amount as {$72000.00} and pressed the accept button. She closed the web payment system and marked the invoice paid. 

On XX/XX/2022, at XXXX I received a call from an individual from XXXX XXXX XXXX XXXX He described himself as a " fraud investigator ''. After confirming his identity, he asked me if a charge for {$72000.00} was valid. I told him that it was not and was most likely a mis -key. He told me that XXXX would be holding the charge and would be voiding it. He stated that no further action was required on my part. The only phone number that he left was a " XXXX phone number '' which he does not answer. 

The Vice president of my customer 's company called a day later and said that the charge of {$72000.00} was showing on their Amex account and he wanted to make sure it was removed or credited. At around the same time a charge from XXXX was put through on our account for {$2700.00}. We however never, I repeat never received the {$72000.00} in our account. So, XXXX debited our account but never credited us for the {$72000.00} mis-key. 

The ensuing conversations with XXXX were ridiculous. They refused to void or return the withdrawal from our account. They made our web processor process a refund, even though we never received the payment, and when we contacted a supervisor from Amex to speak to them regarding the issue, they told the Amex. supervisor " how do I know that you are really from Amex. Are you kidding me! 

Subsequent contact with XXXX proved to be fruitless. We filed a complaint with the FTC ( report # XXXX ) no response was received. 

XXXX is blaming the issue on American Express. So we sent a complaint to the CEO and Executive office 's of American Express. They never responded. 

We are asking that American Express through XXXX immediately return the withdrawal to us. 

Thank You.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting act 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I submitted a dispute to all three credit reporting agencies, and the item in dispute was deleted from both XXXX  and XXXX  reports the same day the dispute was submitted. I submitted the dispute to Equifax on XX/XX/20 and called XX/XX/20 for an update ; the person could not verify my identity even though I answered all questions correctly and even gave my SS #, but I did not receive an update on the dispute. I am trying to get a mortgage and am counting on them to resolve the dispute within 30 days but they have made no updates while the other credit agencies deleted the item in dispute from my report.
Consumer complaint received 2023-05-18
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. (KY)

in accordance withe the fair credit reporting act XXXX  acct # XXXX, has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (NC)

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 Number : XXXX has violated my rights. Or 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 seven years.
Consumer complaint received 2023-03-16
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. (MD)

I checked my credit report and found that some of the data wereincorrect. 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. I need the following to be corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-02-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

For several months, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, Transunion and XXXX to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-29
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. (HI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that 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 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: State Home Mortgage (GA)

My mortgage was paid off XX/XX/XXXX, yet State Home Mortgage/ XXXX XXXX XXXX XXXX held my check and didn't report my payment until XX/XX/XXXX and erroneously reported me late with the credit bureaus. ( I have proof and can provide upon requests ) Additionally, during the process along the way I have documented proof of contact with several employees from this company that was communicating either with myself and/or the closing Attorney leading up to the payment being made. ( I can provide that proof upon request ) When I first discovered this error I made numerous attempts to contact them both via phone and e-mail. My e-mails, voicemails and phone calls were ignored and never returned. ( I have proof and dates, can provided upon request ) After I was being ignored by way of no return calls and/or e-mails I submitted a complaint with CFPB ( previous complaint number XXXX-XXXX ) CFPB made numerous attempts to contact State Home Mortgage and over 30 days later still no communication. ( I even have proof of a letter I received from CFPB stating how unacceptable it was that neither of us hadn't heard anything from this company and that I had to wait that long. By late XX/XX/XXXX I got a credit alert that State Home Mortgage had finally reported the mortgage as paid off. 
However, State Home Mortgage/ XXXX  XXXX XXXX XXXX is still fraudulently reporting me late for 6 months on my credit reports. Additionally, I was owed a balance from funds in my escrow, and they have illegally retained those funds. This is my last effort to resolve this matter with this creditor, before I seek other legal options. 
What they've done to me is illegal and atrocious. They delayed updating my mortgage to show my loan paid off. They didn't respond to my attempts to contact them for over 90 days, and they didn't respond to CFPB for over 30 days involving my ( previous case XXXX-XXXX  ) Once they finally reported the loan as being paid off after over 6 months, again no one tried to return my calls nor e-mails to discuss what was the cause for the delay. Additionally, they have illegally retain my rightfully owed funds from my escrow. This is fraud and I want an example to made out of everyone who was involved. This has not only affected my credit, but it also has affected my life.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/22 there was a dispute filed with the CFPB regarding the inaccurate information on my experian credit report that has not been corrected. Last Payment, Last Active, Date of opened account is still inconsistent amongst bureaus. Experian has claimed that the furnisher verified the information as accurate. However, these dates are still inconsistent amongst the bureaus hurting my credit score. According to FCRA LAW USC.CODE 15 USC CODE 1681i ( a ) ( 5 ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. Please delete both student loan accounts do to the FCRA violation after the reinvestigation. Also proof of the accounts are attached to reflect the inaccurate and incomplete data on these accounts Account Creditor : XXXX Account Number : XXXX & XXXX
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (NC)

Funds taking out of my Truist checking account TRANSACTIONS NOT BY ME, THEY REFUNDED PARTIAL FUNDS from ( 7 ) of the ( 9 ) total TRANSACTIONS MADE NIT BY ME AND STILL OWE ME {$520.00} THEY DENIED last two payments of of {$260.00} a piece and all Unknown transactions where from source which doesn't make since.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (AZ)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts listed below : XXXX XXXX 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 2023-03-16
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: Experian Information Solutions Inc. (CA)

This is my follow-up complaint in attempting to ensure the deletion of these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Assuming no one cares, either way, block the noteworthy of any information or items in my credit record that came about due to alleged fraud or extortion.
Consumer complaint received 2017-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I previously learned of this debt after obtaining my credit report. I have had medical assistance for the last 10 years or so. I also have never visited  XXXX   XXXX  which is listed as the orginal creditor regarding this debt. I sent this company a letter asking them to provide me with the documenation they have that makes them believe this debt belongs to me. Th e 1st letter was ignored so I was advised to sent a 2nd letter certified ( please see attachment ) that letter un fortunately was ignored as well.
Consumer complaint received 2023-06-14
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: 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 numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or 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 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 2023-02-20
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: EQUIFAX, INC. (IL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MTR XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-06-21
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. (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.

These accounts shown : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, how is this possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting.
Consumer complaint received 2015-03-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bison Recovery Group, Inc. (OH)

XXXX refuses to communicate with Bison Recovery Group concerning my closed account. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX.