davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

My credit report has an incorrect address. The address on the report is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  NV. Other than when I was in the  XXXX , I have lived in Colorado my entire life. Associated with this   XXXX   address are bills from  XXXX   XXXX  and  XXXX   XXXX   XXXX    XXXX    XXXX . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    XXXX
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (NY)

I incurred an interest charge for paying my XXXX balance statement on XX/XX/22 instead of the due date on XX/XX/22. Since I paid my following balance statement ( XXXX ) in full and on time ( XX/XX/22 ), I should have not accrued any further interest. However, I received a second interest charge for almost identical amounts without any valid explanation. The first interest was charged on XX/XX/22 for {$64.00} while the second one was on XX/XX/22 for {$65.00}. 

After failing to receive proper customer service on the matter, I submitted a dispute which was not resolved on my favor without any further communication or discussion. I am still unaware of the reasons for the second interest charge and confused as to why the bank refuses to contact me directly with a valid and acceptable explanation. Their communication and assistance has been poor at best.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I have sent multiple letters to this address " American Express, XXXX XXXX XXXX, ATTN : XXXX XXXX, XXXX XXXX, Texas XXXX '' regarding my issue and I have gotten the same automated message in writing in return. I've also sent a Claim Notice to the address " American Express XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX XXXX. On multiple occasions I tried calling customer service to connect me with someone of higher position or understanding to their SEC filings regarding the XXXX, Prospectus, and the indenture trust agreement dated XX/XX/2018, and yet have I received remedy. There are unjustified violations that American Express are committing to me as the Beneficiary and investor towards the company from breach of contract, breach of fiduciary duty and Securities Fraud. Behind everything I have said I have reason to believe they are committing organized crime without my known knowledge as well. Yes, I am the Note Holder, and I will attach proof of that as well as my letter and supporting documents. Please fulfill your fiduciary duty and fix this issue immediately or I will be reporting American Express to the Securities Exchange Commision and all other proper authorities and seeking all civil penalties.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

My credit report has an incorrect address. The address on the report is   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NV. Other than when I was in the  XXXX , I have lived in Colorado my entire life. Associated with this   XXXX  . address are bills from   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX  . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    XXXX
Consumer complaint received 2017-05-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My mortgage was sold from  XXXX  to Carrington, they are adding a fee of {$560.00} to my payment, I contacted  Carrington  who said this fee was moved over from  XXXX , I contacted  XXXX  who said this was a mistake and they removed it which I have communicated with Carrington. Carrington is still asking me to pay this fee and would not contact  XXXX  to confirm that this was a mistake from their said and that it has been corrected.  XXXX  will not give me a letter verifying this mistake correction. Now I am stuck between these 2 companies to pay {$560.00} that I do not owe. My mortgage has always been on automatic payment since day 1. Thank you
Consumer complaint received 2017-05-02
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. (MI)

I have submitted a request to experian to remove a report of a   XXXX   XXXX   on my credit report.   I have supplied them with a letter stating it is released.   I gave this same information to   XXXX   and it was removed.   I have requested the correction from Experian twice and no resolution or response.
Consumer complaint received 2023-07-06
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. (GA)

I have disputed the public record on my credit reports for over a year. All 3 credit bureau send results as : bankruptcy verified through a 3rd party, XXXX XXXX in which my XXXX XXXX report contains nothing in the public records section. I have sent in the required verification Equifax, XXXX XXXX and XXXX has requested to remove the item they have repeatedly refused even thou I provided what they asked for. Ive asked for their methods of verification also, but they never provide it.y rights are being violated according to the FCRA. Several laws are being broken within the 3 credit bureaus. As a consumer, I ask that u investigate thoroughly as publishing incorrect information on ones credit report is a direct violation.
Consumer complaint received 2022-11-28
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. (CA)

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 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( 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 Original Creditor : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-06
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. (GA)

This constitutes fraudulent activity and is a serious violation of my right to privacy. Not only is this a breach of my rights, but this is a defamation of my character. When you provide a negative account that you claim I own, other businesses notice it, which has an adverse effect on my credit report and quality of life.
Consumer complaint received 2023-05-23
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. (TN)

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is essential that consumer reporting agencies such as XXXX and Experian carry out their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I am entitled to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions, including entities that furnish information to credit agencies, have an obligation to respect customer privacy and protect their nonpublic personal information. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies like XXXX and Experian are only allowed to furnish consumer reports when provided with written instructions from the respective consumers. Neither the financial institution furnishing the information nor XXXX and Experian have obtained my consent or written authorization to furnish my information. Therefore, any consent previously given, whether verbal, non-verbal, written, or implied, to XXXX, Experian, and the financial institution furnishing the information, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how they can exercise their right to nondisclosure. The financial institution has failed to inform me of my right to exercise this option. 

In addition, as per 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse items of information in a consumer report, except for records of convictions of crimes that occurred more than seven years ago, unless authorized under subsection ( b ). The reporting of this account as an adverse item without my permission is a violation of the law. 

Moreover, under 15 U.S. Code 1681s2 ( a ) ( 1 ), it is prohibited to furnish any information to a consumer reporting agency if the person knows or reasonably believes the information to be inaccurate. XXXX and Experian have not maintained reasonable procedures to prevent violations of Section 1681c and limit the furnishing of consumer reports to the purposes listed under Section 1681b.

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I am exercising my right to opt out of your reporting services
Consumer complaint received 2023-06-02
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. (TX)

To whom it may concern, Many of the items on my credit report originated more than 7 years ago and therefore are required by the updated laws and regulations under FCRA as of 2023. 


The following items include All four collections which are duplicates of other accounts, one of which was paid until my date of departure from the house. Under Rhode Island law, when your contractual obligation to a residence ends the bills become the responsibility of the home owner. Please verify age of origination for all accounts and delete all of the old information from my report. It has caused me great damage for a huge portion of my life. I'm now entering my mid 30 's with XXXX children and a mother to provide for and I'm still being punished for mistakes I made in my early 20 's. I have paid for many accounts to be deleted. I have repeatly contacted all three reporting agencies over the years and still I have never been able to get these old account removed. 

Any account, past the origination age of 7 years ( not the date of closure ) by law must be removed promptly or I will file suit against all three credit agencies and seek the maximum amount of damages allowed to me by law. 

Thank you kindly for reading.
Consumer complaint received 2017-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (WI)

XXXX / XXXX / XXXX  called  CMC  Funding/Loancare to see if they were going to pay my real estate taxes by the end of the year because they had my escrow funds on hand to do so. Disconnected from phone call. Emailed through their website to check on status. Received auto response message that they would follow up within 5 days. No response.      XXXX / XXXX / XXXX  I paid my real estate taxes myself because I had no response from the company.      XXXX / XXXX / XXXX  emailed the company to inquire about my escrow being released to me. Received auto response message and no follow up.      XXXX / XXXX / XXXX  emailed the company to inquire about my escrow being released to me. Received auto response message and no follow up.      XXXX / XXXX / XXXX  got through to customer service. I did not note the lady 's name but she advised that I email evidence that I paid my real estate taxes. I immediately emailed this evidence. Received no auto response and no follow up response.      XXXX / XXXX / XXXX  emailed the company to inquire about my escrow being released to me. Received auto response message and no follow up.      XXXX / XXXX / XXXX  called customer service and spoke to  XXXX  ID #  XXXX . He advised that he would expedite my request to the tax department. I asked him to copy me via email on this expedition. He said he could not do that. I asked who his supervisor was. He said  XXXX   XXXX . I asked to speak with her. He said I could not. I asked what the phone number was I could call  XXXX  back at to check on the status of my escrow. He would not provide a number. I asked to have  XXXX   XXXX  call me back. He said she would call me back  XXXX / XXXX / XXXX .      XXXX / XXXX / XXXX  No return phone call from  XXXX   XXXX . I called customer service and spoke to  XXXX  ID #  XXXX . I asked for status on my ticket number. After being on a lengthy hold he returned saying he would expedite my claim to the tax department. I told him that I was informed that was done on  XXXX / XXXX / XXXX  but clearly it had not. After another lengthy hold  XXXX  advised that they would need to " analyze the escrow ''. He said this analysis would be done by  XXXX   XXXX  and advised that I call back on  XXXX   XXXX .     This is where I ended my efforts and am filing this complaint. I have no confidence in the return of my escrow money and am unable to pay other bills because they have held onto it for 5 months.  CMC Funding  and  XXXX   XXXX  should be SHUT DOWN.
Consumer complaint received 2023-06-02
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. (LA)

I have reached out to all the credit bureaus on XX/XX/2023 in regards to unauthorized and invalid accounts, inquiries, and personal information that have been reported on my account due to identity theft. I attached all my supporting documents and even reached out to the creditors. The creditors were no help and couldn't even find my account which is upsurd. No one has followed the law throughout this process, I requested the steps on how these fraud items were investigated and no one has done so, As a consumer I know my rights. Per 15 usc 1681b this is against the law and i need all the items removed immediately or else I would be forced to take legal action. I will give the companies one more have to resolve this matter THE RIGHT WAY!
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

synchrony bank issued me a carecredit account credit card # ( XXXX. 

my credit limt was {$8000.00} and they lowered the credit limit to {$2400.00} without any cause or warning being sent to me. i have always paid on time and have a current balance of XXXX. I AM in the middle of XXXX XXXX XXXX that will require about {$5000.00} in expenses. i was counting on my credit limit o {$8000.00} to pay my XXXX XXXX since i wouldve never imagined this bank would do this harm to me without cause. 

Its of urgent matter THAT I WILL BE able to pay for these medical prosedures, i contacted synchrony bank and there response was since i dint use the whole amount of my {$8000.00} credit limit within a year they decided to lower the credit limit. this is a out right fraud and deceptive trade practices by taking this action. i do need now to have the original credit line restored to be able to pay the XXXX   cost i need to pay. THEY ALSO CAUSED MY CREDIT SCORE TO DROP 100 POINTS WHEN THEY LOWERED MY CREDIT  LIMIT. A TOTAL ABUSE OF POWER WITH OUT MOTIVE
Consumer complaint received 2017-05-02
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: Experian Information Solutions Inc. (FL)

XXXX   XXXX  SS #  XXXX  DOB   XXXX   ADDRESS S   XXXX   XXXX   XXXX   XXXX    ,    XXXX   XXXX   , FL  XXXX  To Whom it May Concern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX     XXXX     XXXX . Box  XXXX   XXXX , GA  XXXX    XXXX   XXXX      XXXX   XXXX   XXXX    XXXX , PA   XXXX   I recently pulled a copy of   my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX      XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX      XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  &   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS    XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX , FL  XXXX
Consumer complaint received 2023-07-07
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. (GA)

I am writing to dispute the reported information on my credit reports regarding the XXXX XXXX Account # XXXX. The dates of last activity for this account are reported inconsistently across XXXX, XXXX, and Equifax as follows : - XXXX : XX/XX/2019 - Experian : XX/XX/2019 - Equifax : XX/XX/2019 These inconsistencies directly violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This inaccurate reporting is negatively impacting my good name, character, and my ability to qualify for new credit. The persistent discrepancy raises concerns about the reliability of the furnisher of this information. I call attention to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which states that a consumer reporting agency must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' upon receipt of a notice of dispute from a consumer. To date, the action taken by your agencies has failed to rectify the inaccuracies identified and, as such, appears to be in breach of this provision.
Consumer complaint received 2022-11-21
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. (KY)

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 U.S.C 1681. 

Account name : XXXX XXXX  XXXX XXXX # XXXX, XXXX, XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXXr # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX - Direct Loans # XXXX Account name : XXXX # XXXX Account name : 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.

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.