davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have attempted to contact the company about the incorrect information on my credit profile however, the company has failed to correct the information. The personal information to include my name, address, and employer on my profile is incorrect. The only personal information that should be on my profile are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No other names addresses or employers should be listed on my account. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren'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 an 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.

Should this information continue to be in place on my account, I will have no further action but to take legal action against the company.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OR)

To whom it May Concern : I recently received a copy of my XXXX, XXXX XXXX Equifax credit reports, and I noticed some late payments posted on my credit report : U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX* DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-03-13
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. (CA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-03-13
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. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please CORRECT or AMEND the following inaccurate accounts : XXXX XXXX XXXX XXXX XXXX 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 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC (AZ)

I normally pay my Milestone Credit Card bill online and or over the phone since I received the card. I have not had any issues with billing or payment until recently, from XXXX to XXXX I paid over the phone until today the XXXX, XX/XX/2022 I logged in and saw returned check fees. I do not have auto pay set up and never do with any of my cards, so I go into the manage autopay feature and it is not on or showed that there ever was one set up. So I called customer service to talk to them about this and all I got was argumentative statements stating I did this. But the thing is that I was still making my payments and did not notice this because they were hitting an account I don't use and don't have access to anymore. I used that account initially to open the credit account but that is it. Now they are fighting me on the charges and will not help when this is not my doing at all. I asked for proof and they said they can not send proof to me. I don't know how or why this happened but I am not responsible for that and the treatment I got was the worst.
Consumer complaint received 2023-10-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc. (CT)

OK - I sold and closed on a house I was flipping on XX/XX/XXXX. 

The company, BSI Financial Services, withheld {$8200.00} for insurance it said it purchased for the house when mine lapsed. I have asked for proof of this insurance with dates it was obtained and premium paid as there would be a refund due for at very least some 5 months. They have ignored my, and my attorney 's requests. Furthermore they have made no refund to date. 

The company was problematic in facilitating closing not providing timely payoff documents when requested and when they did, they were inaccurate. 
Then they suddenly decided to add {$4800.00} for Foreclosure legal fees to the Pay Off amount to be paid to them. I challenged this demanding an accounting of what this was they were charging me for as the property had not entered into foreclosure and was under contract at the time they came up with this number. In response they sent back a screenshot of XXXX lines of text. XXXX line was for {$2800.00} for Foreclosure proceedings and the other was for {$2000.00} " Anticipated '' Filing fee. I demanded a breakdown from their attorney as I know this was all fabricated. I also pointed out that the {$2000.00} " anticipated '' filing fee should in any case not be there as we were 5 days from closing, not to mention that it doesn't cost {$2000.00} to file. 

They sent me a copy of their lawyer 's invoice dated the same date that I demanded it with a charge for {$1400.00} listed as a " XXXX up '' fee with XXXX hours billed. The " set up '' fee was also incurred AFTER I demanded proof. 

Note that the {$1400.00} is a far cry from the {$4800.00} they originally attempted to get from me. My assumption is that having been busted, they asked their attorney to cover their XXXX by invoicing something that would never be paid just to have a temporary paper trail to facilitate getting the extra cash out of the escrow. 

Additionally they made the pay off for a day after escrow was due to close so they owe me an additional {$240.00} for the extra day of interest paid but not incurred. 

I originally got my loan through a company called XXXX that Flip who tried in vain to mediate. They informed me that they no longer use BSI for this reason. 

NOTE : BSI Financial Services was already sited and fined over {$200000.00} for violations in XXXX by the CFPB for basically doing the same things to others as they are doing to me. Vague and creative accounting, non communication, and withholding money they are not due. 

As neither myself nor my attorney has been able to get a response from XXXX, I turn to you for help.
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

I am writing to formally complain about an ongoing issue I am facing with IC Systems, a collections agency, and XXXX, one of the major credit reporting agencies. I have been diligently trying to resolve this matter, but have encountered significant difficulties, and I hope the Consumer Financial Protection Bureau can assist in resolving this issue. 

On XX/XX/2023, I made a payment directly to XXXX ( instead of the collections agency ) for an outstanding balance, as confirmed by my bank statement and receipt. This payment was intended to settle the debt in question with the company itself, not the collection agency. I have retained all relevant payment records as proof of this transaction. Spectrum assured me this would be removed from IC Systems hands, and it has not. 

Despite making this payment and having the necessary documentation, I was shocked to discover that IC Systems continues to report this debt on my XXXX credit report. This has adversely affected my credit score and financial standing, making it difficult for me to access financial products and services. 

I want to emphasize that I have taken the necessary steps to dispute this inaccurate information with XXXX. I submitted a dispute through the XXXX website, attaching all relevant documents, including proof of payment and a letter explaining the situation. However, I have not received any resolution or acknowledgment of my dispute from XXXX. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter and intervenes on my behalf to ensure the accurate reporting of my credit information. I believe that the continued reporting of this debt is in direct violation of my consumer rights under the Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter and your assistance in resolving this dispute.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

AMEX failed to protect me with my dispute as a consumer who did not receive their goods they have ordered! 

I ordered a tablet in XXXX from XXXX, and after a long wait, they shipped it out in XXXX via XXXX. However, XXXX lost/ stole the item fraudulently stating it has been delivered on XX/XX/22 on the evening of XX/XX/22. There was no signature obtained, even though there was signature required! I asked XXXX for help, but they refused to give me a refund, even though they admitted on XX/XX/22 that it was probably lost. Finally, a Tier XXXX customer service representative promised me a refund, but then they GHOSTED me! 

Therefore, I filed a chargeback via AMEX. However, AMEX denied my claim because XXXX sent in a form with screenshots of the XX/XX/XXXXpage that said the item was delivered. Also, they said they credited me {XX/XX/XXXX.... But what about the other {XX/XX/XXXX?! XX/XX/XXXX is NOT the entire cost of the tablet. 

And what about my multiple screenshots with proof that the dates are really sketchy and faulty... And what about my police report? And proof that customer service said they would refund me? And then ghosted me? 

Do any of these mean nothing to you, AMEX? Do you even read my claims and evidence? I am so disappointed. As an AMEX card holder, I expected better customer service and protection, and more thorough investigations. If this does not get resolved by AMEX, I will have to cancel my card and be a loyal cardholder with XXXX.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (MS)

On XX/XX/year>, I contacted Credit Karma to inform them of unauthorized activity on my Credit Karma XXXX account. The debit card was canceled and another one was reissued. On XX/XX/XXXXXX/XX/2024, I got an email telling me that my account had been locked and was asked to submit identity documents. I knew my tax refund would be deposited to that account so I did as they asked and submitted my identity documents. On XX/XX/year>, my tax refund was deposited into my Credit Karma XXXX account and I realized they had not yet unlocked my account. I contacted Credit Karma to ask why my account was still locked. Two hours later, I received an email telling me they were closing my XXXX account and my funds in the amount of {$15.00}, XXXX would be ACH to my external bank account which I explained to them was closed. They sent my funds anyways and the funds were returned due to that account at XXXX XXXX being closed. I called Credit Karma back and was told they would issue a check for the amount above. The check was supposed to be issued on XX/XX/year>. As of today, I have still not received the funds from my account they closed and I have since then called them four times with no response as to when they will be reissueing the check. I also explained to them the funds were needed urgently for medical treatment. I am told the department handling my case is contacted by email only. There is no phone number to call to check the status. I need to find a way to have my funds issued to me as quickly as possible because I desperately need to start treatment. I need some of my funds to pay my deductible and my copay. I have explained this to them as well and they have not seemed to care nor understand the urgency of my condition.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I called chase on XX/XX/23 to see if I can get the pay later fee reduced due to a healthcare emergency I had experienced. I was assured that someone was going to advocate on my behalf with the company. No one ever did. My case number with chase bank is XXXX.
Consumer complaint received 2023-10-06
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)

My complaint >s that experian has not removed the negative account call credit collection and also three hard credit inquiries from sky and ally. Also these items supposed to be removed from my experian credit report in 24 hours I have a federal trade commission identity theft report on file my social security number is XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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. 16815-2 ( AN1 ) 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 2023-10-06
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NC)

On about the XXXX of XXXX or XXXX, ... .I purchased a Vanilla Gift Card XXXX  XXXX for one of my nieces, ... .sent it to her to use for various things, ... ... supposed to be automatically activated when you purchase and add money to the card! She could not use it anywhere,... so, I had her send it back to me, I had to send her father cash, which he got to her. When I got the card back, ... ... went to the website, I submitted the information needed to get a balance, ... ... .it read that there was {$190.00} on it, ... ..instead of the {$250.00} I had sent it to her with. I was able to use it for something, and, for some reason, from then on, I was not able to make any purchases again. I went back to the site, ... ... the card had been hacked, and used for a {$75.00} purchase in XXXXXXXX XXXX ... ..which I had never been to. Had to call the card number, have it looked into, ... ... they sent me a replacement card, and, when I went to activate it, ... ..there was a XXXX balance! I had to call them again, ... ..somehow, while the card was in transit, ... ..it had been hacked, yet again, and had a XXXX balance! Yet another claim to look into by these people,...... I have had to call, or, go to the site, more times than anyone should have to!
Consumer complaint received 2023-10-06
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: EQUIFAX, INC. (OH)

I have been noticing and spotting several errors and mistakes on my credit report that I dont seem to find very reasonable and recognizable. Here are among the accounts that Im referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX I never authorized these Collection Agencies to add these items on my credit report and I demand that they must take actions on this matter accordingly and seriously and have these unfamiliar accounts be swiftly removed and taken off of my account.