davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
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: Atlanticus Services Corporation (IL)

Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA. 

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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: JPMORGAN CHASE & CO. (OH)

I called chase bank month ago. I received confirmation that the inquiries belong to a social that was one number off from being the same. I also filed a identity theft report for these inquirys. I was told the inquiry would be removed but it never happened
Consumer complaint received 2024-04-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Aqua Finance, Inc. (AZ)

In 2019 we bought a water softener and reverse osmosis system from XXXX and paid for an extra extended service warranty. Since then, they supposedly have gone out of business and transferred our payments to another company with the same name, XXXX. Who claims to not be responsible for the warranties anymore, but only responsible for collecting payment. So they are still charging us for XXXX and telling us there is nothing they can do. Right we need this modified. We need help with this.
Consumer complaint received 2022-11-17
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)

Back in XXXX I noticed 2 accounts on my credit report that is due to fraud the accounts are XXXX XXXX and XXXX XXXX which has been a total nightmare for the last XXXX years. The accounts never belonged to me I have never resided at XXXX XXXX XXXX XXXX XXXX Ga XXXX which is address associated with the accounts. I sent in police reports, affidavits and written statements to fix this horrible case of fraud off my name. The accounts never belonged to me and I'm requesting to have them removed immediately. Being a victim of fraud is terrible however continuing to fight with these companies is worse.
Consumer complaint received 2024-04-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone # ( XXXX ) XXXX On record until : XX/XX/year> Inquired onXXXX
Consumer complaint received 2023-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (FL)

I have sent XXXX different letters since XXXX of XXXX as well as called on XX/XX/XXXXXXXX  to get validation of this fraudulent debt and ask until i get validation and a new investigation be done to remove from my credit in 30 days and none of those things have been done nor have they responded. 

CB/ Wayfair bank
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TN)

DISCOVER BANK IS REPORTING DELINQUENCIES OF 30 AND 60 DAYS ON MY CONSUMER REPORT. IT HAS DAMAGED NY CREDIT SCORE BY   XXXX   POINTS.
I CALLED THEM AND THEY SAID THERE ARE NO SUCH ITEMS BEING REPORTED.
HOW DOES THIS GET FIXED? THE   XXXX   BUREAUS SHOW IT. DISCOVER SAID IT IS N'T SO.
Consumer complaint received 2021-03-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (PA)

I have a collection on my credit from XXXX for {$120.00} that should not be there. I believe its a hospital bill. Far as my understanding that violates HIPPA laws and working in XXXX I know that their is no one else other than the hospital that should know why I was in the hospital and/or how much I owed without my consent especially considering I did not receive letters
Consumer complaint received 2022-05-26
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. (PA)

IN accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights 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 written instructions
Consumer complaint received 2021-01-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Recovco Mortgage Management, LLC (NC)

Sprout Mortgage delayed our Clear to Close ( 3 ) times. They took us through a rigorous unfair process, where we had to provide over 100 conditions to satisfy their requirements. All 100 conditions were met, and on the final day of the third extension, we received our Clear to Close only to find out the contract between the Buyer and Seller had expired one hour early voiding the contract. All Earnest Money and Due Diligence were lost totalling {$18000.00}. I felt we were definitely discriminated against in acquiring this loan prior to the 3rd contract extension.
Consumer complaint received 2024-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (FL)

I have disputed this debt XXXX or more times through the company and the credit bureaus, they continue to insist that the debts are mine, and not identity theft. I don't have the money to pay for these debts that are the result of identity theft, I have blemishes on my credit reports because of their refusal to remove them.
Consumer complaint received 2024-04-14
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: JPMORGAN CHASE & CO. (OH)

I opened a new chase travel credit card for trip to XXXX. Booked hotel, airline and rental car through chase travel. Upon check out at hotel, amount charged from hotel noted to be less than what I was charged through chase travel. Unable to submit a complaint online with chase, so I called into their help line. When I explained that I was charged almost an additional {$200.00} for the hotel through chase, the response I received was that " They're a business, that's how they make money. They're like a middle man ''. I then explained to that this is not appropriately disclosed on chase travel. i was then transferred to an automated system on chase travel that was not helpful. They advertise on chase.com/travel " competitive rates- take advantage of competitive rates at thousands of hotels and resorts, with no booking fees ''
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

on XX/XX/XXXX I sent a letter to XXXX, XXXX and Equifax to dispute a XXXX ( Account Number : XXXX ) its been more than 30 days and they have not responded also they are reporting inaccurate information on my report. I have not gave permissible purpose for this account to be reporting on my report. under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, XXXX and Equifax any written consent to report anything on my consumer reports no consent is FRAUD XXXX demanded to see verifiable proof with my signature on a contract and written consent I gave XXXX, XXXX and Equifax to report for the account listed below on my consumer report. and they never did they had 30 days and did not XXXX ( Account Number : XXXX ) also it is reporting inaccurate information says there is a balance but I have receipt that the balance was already paid
Consumer complaint received 2021-01-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

On XX/XX/XXXX I sent my initial investigation about accounts in question to either verify accounts or accounts that are not reporting correctly. Then I sent another dispute on XX/XX/XXXX regarding the same dispute to investigate because NO RESPONSE at this point its past 60 days and these accounts NEED TO BE REMOVED IMMEDIATELY due to NON-COMPLIANCE for an investigation to be conducted. Attached are proof showing letters sent out requesting for investigation. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Reason : Please verify this account Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Reason : Please verify this account You reported this account as late in XX/XX/XXXX to XX/XX/XXXX ; However this account is still showing Open status, how is this possible? Please DELETE this inaccurate erroneous account immediately. 

Account Name :XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Please verify this account You are reporting as past due balance on a collection account. This account is past due by default. You are reporting inaccurate and erroneous information. Please DELETE this account immediately. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name :XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Reason : Please verify this account Please REMOVE ALL LATE PAYMENTS. I was never late. Please remove late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. You are showing I was 30 days for each of these months how is this possible. PLEASE DELETE ALL LATE PAYMENTS IMMEDIATELY. 

Account Name :XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Reason : Please verify this account Account Name : XXXX XXXX Original Creditor : XXXXXX/XX/XXXX XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Reason : Please verify this account The Date of last activity is showing different with ALL THREE BUREAUS how is this possible when you are reporting from same creditor. Please DELETE this account immediately. 

Account Name : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Please verify this account
Consumer complaint received 2023-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

XX/XX/2022 ERC XXXX XXXX ( not me ) Sent to my current address. 
Reference # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Amount {$770.00} This same woman used my daughters SS number 20 years ago.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (TX)

I am having issues with IQ Data International License # XXXX. They are reporting inaccurate information on my credit report that is severely hurting my credit. I asked several times to remove this inaccurate information and they still refused. I also researched this company and found they have no license to operate in my state of Texas. 

I also asked XXXX to investigate and they replied with a generic response that they did the investigation and the information was accurate. However, this company is not even licensed to collect debt in Texas
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It has been more than 30 days and I did not receive any response. Also, I did not notice any investigation made because there are no changes in my report.
Consumer complaint received 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are detrimental to my credit score. 

XXXX XXXX  Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. Please provide an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

Experian is noting that XXXX of the account son my report were charged-off. I have submitted to them proof multiple times showing that these XXXX accounts were NOT charged-off, rather they were settled. However, Experian is NOT correcting the erroneous reporting and is therefore ruining my chances to get approved for new mortgages. It hinges on those accounts being reported correctly as settled, versus being charged off.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Experian and XXXX  should not be reporting a collection in the amount of {$1100.00} on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. I do not now, nor have I in the past ever had an account with XXXX. This account was opened fraudulently. This false reporting of a collection, that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried to contact XXXX  and XXXX  to remove this account however, I have not been successful.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Wealthfront Corporation (VA)

I contacted Wealthfront to change a phone number on my account on XX/XX/year>. Since the account was old not funded they would need to disable the profile, so that I could setup a new account. I successfully setup the account and linked one of my banks to deposit {$250.00} which appeared to be successful. Moments later I received an email that stated my account was denied due to the inability to verify my identity. I promptly contacted Wealthfront and stated to customer svc rep " XXXX '' what could be done to resolve the identity issue he stated " NOTHING ''. Immediately disturbed by the response I forwarded my denial email to XXXX, XXXX for further guidance.
Consumer complaint received 2024-09-30
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: CITIBANK, N.A. (MA)

On XX/XX/year> I received notification from my creditors credit monitoring service that there were hard inquires on my credit report that I did not initiate. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (UNITED STATES MINOR OUTLYING ISLANDS)

American Express card did not send paper or electronic statements, but I would get email from them telling me my payment is late the day after it was due EVERY MONTH. 
I'd call them, they'd waive the fee due to not sending a statement, and I'd pay the total balance on the spot. This went on for years! 
In XX/XX/2022 they would not waive the fee, I paid the balance without the fee and was told I'd be contacted by a supervisor as one was not available. They never called. 
In XXXX they billed a late fee and interest on top of the previous late fee and I called again, and then again in XXXX. 
This has continued up to now ( XX/XX/2022 ). 
Again, a month has gone by and I'm being billed, again, for interest and late fees on interest and late fees that I'm only aware of as my bank emailed me I have a bill due. 
This is deplorable! I've spent hours on the phone with them each month calling their customer service line at XXXX I contacted them again today, and they ( supervisor XXXX XXXX stated that he was clearing the balance and closing the account. He said he was 200 % sure this was done, which I've been told every month. My last call on XX/XX/2022 I was told the same, and given confirmation number XXXX. When I asked XXXX for a confirmation number today I was told that they don't generate confirmation numbers. He assured me it's done, and in the same breath recommended I call back in a week to confirm the account has a XXXX balance for my peace of mind. 
Regardless of whether the issue is resolved, I'm escalating this issue as it should've never happened. Hopefully I will not have to follow up on this complaint again next month.
Consumer complaint received 2024-04-16
Product: Credit 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: U.S. BANCORP (CA)

I have XXXX different Visa cards from US Bank and one card was lost while traveling in XXXX, XXXX and bank was notified immediately. A large charge was disputed as it was fraud after the fact of losing my card and bank will not take responsibility in protecting me against fraudulent charges. Second visa card had over 50 same charges from XXXX that were fraud and again company would not take responsibility when it was very clear that those charges appeared back to back on same day. That is alarming as well as that even though they changed my card out the charges were still coming through to new card number which makes no sense since new card number was never registered anywhere. Something strange and scam is going on with this company and I'm genuinely concerned. They are neglecting the laws and regulations governed by VISA and I'm not being protected as a consumer.