davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
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. (OH)

I have mailed dispute letters to all 3 credit bureaus XXXX  ; Equifax ; and XXXX  about items on my credit reports that I should be removed. I have not received any responses from any credit bureau regarding the disputes. I have sent month after of month of disputes and have never received a response, the letters in question have been attached as proof my correspondence.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

There was multiple charges to my card between XXXX and XXXX totalling {$4300.00}. it appears that this company continued to charge my card {$300.00} at a time untill all my money was taken. I immediately disputed the transactions and about 10 days later got a email stating that my inquire in regards to the transactions show that there was not a error. Well this is rediculous as I did not authorize these transactions and I also supplied proof that this company has done the same thing to other people. I did not receive any good or services and did not present my card to be charged so I need my money refunded to me and furthermore I'm ready to get a lawyer to help me. I was also informed that serve card has been sued for this very reason in the past by not correctly resolving disputes. My money was stolen with out my authorization and it needs to be given back to me. Especially seeing I showed proof that this chumba has done this to others and are known for taking money with out authorization.
Consumer complaint received 2022-04-19
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 XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX  Act. # XXXX, XXXX Act. # XXXX, XXXX XXXX Act. # XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX  XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX 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 2022-01-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Veripro Solutions Inc. (MA)

In XXXX of XXXX, I found the company Veripro Solutions who held a 2nd mortgage lien on my property. This was from my original mortgage when I purchased the property in XXXX. I paid it for a few months until I was diagnosed with XXXX in XXXX. I was unable to pay both mortgages and stopped paying the 2nd mortgage after requesting.

I was never contacted by the 2nd mortgage lien holder since I stopped paying it. It has been transferred a few times since then. I entered into an agreement on XX/XX/XXXX with Veripro Solutions to pay {$250.00} per month until a Bank they suggested would refinance me to include the 2nd mortgage pay-off of $ XXXX. The process with XXXX XXXX XXXX XXXX XXXX  started in early XX/XX/XXXX and not has been stalled because Veripro Solutions can not produce the proper paperwork for the Bank 's title company so the loan can close. I have spent $ XXXX out of the closing costs to keep the rate locked in with the bank@3.25. I have called Veripro Solutions, my account rep XXXX XXXX 4 times since this process has started and he continues to tell me that the investor will not produce the paperwork the title company is requesting. I was just informed again today that the rate lock has expired and I will have to pay again to keep it at 3.25 % Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I recently was alerted to stated debt by Midland Credit Management by XXXX and XXXX posted to my reports dated XX/XX/2020 when my identity theft case is complete and readily accessible : XXXX. 

Public and widely known and accessible fact that isnt being upheld by the debt collection firm.
Consumer complaint received 2021-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since XX/XX/XXXX I have been disputing 1 account with an incorrect late payment reporting with the bureaus. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.
Consumer complaint received 2021-03-19
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: Experian Information Solutions Inc. (TN)

I started disputing a dismissed bankruptcy on XX/XX/XXXX. None of the bureaus have ever responded to my dispute or advised me of any results of the investigation. I disputed again on XX/XX/XXXX and they still, yet again, have NOT responded to my dispute!
Consumer complaint received 2021-03-20
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: Experian Information Solutions Inc. (PA)

I have requested, numerous times over the last 2 years, that inquiries be removed from my credit report. My bankruptcy was discharged in XX/XX/2019 and since then I have had less than 10 legitimate inquiries, however this credit bureau shows nearly 100. Every time I try and dispute them, and explain that my identity had been stolen many years ago ( I have an FTC identity theft report ), they continuously come back " inquiries are a factual matter of record ''. 
It may be true that these companies looked at my credit but I DID NOT authorize it. Now I am attempting to purchase a home and am being told my inquiries are in the way. If the credit bureau can not provide proof ( signed agreement ) that I consented to these inquiries over the last 2 years, I would like them removed.
Consumer complaint received 2023-09-06
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. (RI)

In accordance with the FCRA this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-19
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. (TN)

I started disputing a dismissed bankruptcy on XX/XX/XXXX. None of the bureaus have ever responded to my dispute or advised me of any results of the investigation. I disputed again on XX/XX/XXXX and they still, yet again, have NOT responded to my dispute!
Consumer complaint received 2024-03-16
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. (GA)

15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. 

Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 

FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors
Consumer complaint received 2024-03-16
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: EQUIFAX, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-02
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. (CT)

In accordance with the fair credit Reporting act this creditor has violated my rights in 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

ive disputed these inaccurate item and Transunion keeps coming back as verified which is incorrect tried to contact the company and that was pointless
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (AZ)

Around XXXX 2020XXXX Synchrony Financial Bank 's " Customer Service '' department suspended my XXXX XXXX XXXX XXXX XXXX for reasons withheld while making purchase attempts on XXXX. My address had changed from XXXX to XXXX, so presumably I was triggering some kind of algorithm in their Security & Fraud area. My complaint follows its demonstrable commitment to treating me like a criminal for their incompetent Fraud activities, their Customer Service 's deference to that area, and their Executive area 's refusal to engage in a meaningful conversation about their internal practices. To clarify, the CS department XXXX online in chat with " XXXX XXXX '' or " XXXX XXXX '' XXXX repeatedly deferred elsewhere for support even when XXXX claimed management status. XXXX XXXX " Senior Specialist, Corporate Consumer Relations XXXX # XXXX on behalf of XXXX XXXX XXXX office discarded my voice messages and emails to XXXX about its deliberate indifference to my use of the card. It's one thing to refuse to service a card through gross negiligence, but to confirm my accusations against XXXX, today Account XXXX " XXXX '' literally verified their plan is to ignore my requests for support and " close '' the account due to inactivity they caused through false allegations about my card 's use. XXXX had gone out of his way to force me to identify myself as " its '' customer, then withdrew any support as XXXX customer in order to skirt the issues presented. To be clear, he added their management would NOT close my account as counter-requested to his conduct and this crystallizes a very questionable banking practice. They have in effect ruled me out as having any voice in their operation on grounds that they can insinuate me as not deserving of listening to on false grounds that they themselves created. XXXX did not deny, as " XXXX '' did, that staff in-accountability was at issue here. He simply reiterated what XXXX XXXX inaction had implied the entire time. It can do whatever it wants including ignoring a bona fide customer 's request to close account on grounds that it fabricated entirely.It perpetuates its insidious conduct through saddling customer with lies such as XXXX XXXX and deliberate indifference at the executive level.This goes way beyond my ability to control. I resent the fact that on its this platform, paid staff in concert together volley me about using false inferences to steal my credit balance and act like that's just the way the cookie crumbled instead of their own crookedness. We aren't responsible, that's on them. " We're so sorry, '' their script continues, and they serve up a well rehearsed poison, " I completely understand, '' as if their falsehoods can not be discovered outside of our chats/calls made.
Consumer complaint received 2021-03-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MO)

The complaint is with the company that built our house and sold it to us, this company ( XXXX ) took advantage of our ignorance and availability of not understanding some terms to sell us the worst land that they have, the lady point us that this land was the best when they had many other lands to sell, she sold us the one that most difficult to sell when she learn that we did not know a very good English, our house has a huge hole in the back where all the rain water and trash from all other houses ends up here in the back, we got like 6Ft only of land, we can not even build a fence, I have an XXXX XXXX year old that cant play outside because Im afraid she can fall in that hole and worst with water, the worst part is that they sold the property with a regular price, they didnt even made a reduction of price so other people can buy it from us, I feel this company had violated many of our consumer rights, please help!!!
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Report # 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 can not furnish a account without my written instructions
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite daily to support my family and daily expenses. Most of my transaction is online because of this pandemic ( COVID-19 ). My email linked to my PayPal is " XXXX XXXX.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian 's automated phone system froze my credit report when I was only trying to find out whether it had a freeze. The system said that a PIN number would be mailed to me and, with that, I would be able to remove the freeze. I received the promised letter and provided the PIN to Experian 's phone system, which accepted it and my request to remove the freeze and said that the freeze was now removed. But then it said that it would not honor my request until I mailed to Experian a massive amount of personal documentation. The only way to remove a freeze seems to be to buy " protection '' from Experian. They are an illegal protection racket.
Consumer complaint received 2021-03-20
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: MUFG AMERICAS HOLDINGS CORPORATION (CA)

i filed a complaint on XX/XX/2021 with XXXX after viewing my credit report and noticed that there was an account that did not pertain to me. I sent them an identity theft victim complaint and affidavit with my California driver 's license and certified police report from the XXXX XXXX police department to support my claim. They told me that they had forward my document to MUFG UNION Bank NA with account number XXXX as a fraudulent account that they would remove the account. This account is fraudulent and needs to be removed from my credit report.
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (MO)

XXXX FOLLOWING CHARGES FILED AND TAKEN FROM MY ACCOUNT WITH CARDS I NEVER OWNED. XXXX AT XXXX XXXX, {$930.00} TAKEN FOR PURCHASE AT XXXX XXXX ON XX/XX/20 XXXX XXXX, {$200.00} PURCHASE AT XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20, XXXX PURCHASE AT XXXX XXXX XXXX ON XX/XX/20 AT XXXX WITH NET SPEND CARD ENDING IN XXXX WHICH IVE NEVER OWNED. {$2100.00} PURCHASE AT XXXX XXXX ON XX/XX/20 AT XXXX WITH NETSPEND CARD ENDING IN XXXX, WHICH I HAVE NEVER OWNED. AND YET IT WAS ALL DEDUCTED FROM MY ACCOUNT.
Consumer complaint received 2021-03-20
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. (MA)

Experian Re : This Letter is Sent to Remove Inaccurate Credit Information from My Credit Report To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately please :
Consumer complaint received 2024-03-16
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. (NJ)

According to the regulations outlined in 15 US Code 1681i ( 6 ) ( b ) ( iii ), consumer reporting agencies, such as XXXX, Equifax, and XXXX, are obligated to provide a written explanation to consumers upon request, detailing the methods used to verify the accuracy and completeness of their information. This includes disclosing the names and addresses of any sources contacted during the verification process, along with their contact information. Despite my request made over 30 days ago for documentation to validate a specific account, I have yet to receive any such documentation. Without legitimate proof supporting the inclusion of this account in my credit report, its validity is questionable.
Consumer complaint received 2023-03-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-20
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)

There are 5 accounts on my credit report that are not mine I have been disputing these with the credit bureaus as well as the furnishers since XX/XX/2020 and no disputes have been opened and no one has contacted me to let me know what is going on. It is really time consuming to be chasing the Credit Bureaus to remove information that does not belong to me. 

These are the accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Business Bureau (CA)

i attempted to report this and i got more information. 
the initial creditor is out in illinois for an XXXX. I've never even had XXXX or been to illinois! 
I contacted the medical business bureau and they stated the addressXXXX XXXX  XXXX XXXX and the date of birth XX/XX/XXXX. I don't have that date of birth and ive never lived in that address. Ive never lived outside of California or visited anywhere in the US past XXXX XXXX Nevada. 
Original Creditor XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Opened XX/XX/XXXX Account Name MEDICAL BUSINESS BUREAU , LLC