davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
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. (CA)

On XXXX XXXX, XXXX I contacted Experian regarding several medical collection accounts by XXXX XXXX XXXX appearing in my credit file. I have requested that Experian disclose to me all of the documents that they have recorded and retained in their file verifying that these collection accounts belong to me. On XXXX XXXX, XXXX I contacted Experian again requesting the same information and asked for the names of the representative they spoke with to verify this information. On XXXX XXXX, XXXX I mailed Experian proof that there is know way they verified this information, due to the fact that XXXX XXXX has no record of these accounts. On XXXX XXXX, XXXX I received a letter from Experian stating they are still investigating my dispute. But they had already sent 2 letters stating this information had been verified, so all they have to do is look in their records and advise who they contacted and send me the information. Experian has had since May to verify this information and send me the documentation. Now today I check my credit score with no changes my score has dropped XXXX points. I am working hard to clean up my credit, pay accounts on time in order to purchase a home for my family. If you look at my credit file you will notice payments on time, utilization is down. Then for Experian to drop my score because of these unverified medical collections is unfair and unethical.
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

I saw a solicitation online and called the acquisitions department to get further clarification. I spoke with an agent and they told me they couldn't advise if I was eligible without applying for the card. I asked to speak to the manager because that did not seem right. After a 15+ minute hold, the manager was unable to tell me if I would be eligible for promotion or not. He told me I must apply for a product that costs {$550.00} annually. When I asked if they could confirm the promotion and told me what made me ineligible, he responded " I don't have that information in front of me ''. I asked if he could look it up and he just repeated, " I don't have that information and I don't do that. '' I asked him to submit a UDAAP complaint which was not filed or any information taken for. When I asked if he could take my application, the manager said he doesn't do that and I can go online and apply. I asked the manager to please hold for me while I applied online and he promptly hung up. This was unfair and an extremely deceptive practice. 

This happened on XX/XX/2021 2021
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently they are reporting I paid all last year late and I have XXXX payments over 30 days late. I disputed it with TransUnion and told them they need to correct it. They refuse to do anything stating I have to send them a full copy of my credit report before they will investigate. I have also paid the amount they claim is past due. The loan pulls 2 times a month and I was never 30 days late. It did not show any lates last month when I checked my credit report, so I do not know what changed. I asked to speak to a supervisor yet was told I could not be connected and had to wait at least XXXX hours for a call back.
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with The Fair Credit Reporting act XXXX  Account # XXXX, has violated any rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-26
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. (TN)

This is my fourth attempts 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following fraudulent items are needs to be removed : XXXX XXXX XXXX & XXXX Opened XXXX. XXXX, XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$700.00} ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX  XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Bankruptcy  : Bankruptcy Reference Number XXXX ; XXXX XXXX Bankruptcy  : Bankruptcy Reference Number XXXX.
Consumer complaint received 2020-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION (IA)

I opened a personal loan with One Main Financial for the amount of {$6500.00} in XXXX of XXXX to cover medical expenses. My balance currently sits at {$5800.00} as of XX/XX/XXXX. 

Paid my XXXX payment 17 days early ( I always pay early. ) 99.98 % of my payment went to interest. Paid XXXX 's payment 19 days early and 99.97 % of my payment went to interest. I always automatically make payments early without even checking. I knew interest rate was high when I started the loan, but this is absolutely ridiculous. 

At this rate, it would be absolutely impossible to pay off this loan in my lifetime. 

I can provide statements to support my claim if needed.
Consumer complaint received 2024-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (SC)

First credit Service is trying to contact me about charges I have no knowledge of. They are attempting to contact me through phishings numbers from that are not in state of New Jersey. The number they are trying to reach me with is XXXX XXXX which XXXX XXXX XXXX number. The original number they attempted to contact me from is first is XXXX ( XXXX ) XXXX a New Jersey number. Please ask them to stop contacting me. Thus I do not have anything on my credit report from all 3 major agency to suggest I have collection.
Consumer complaint received 2020-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (UT)

Receivables Performance is reporting a debt on my credit file that I did not know I had. I just checked my credit report & found out about this debt. As soon as I found out I called them right away to learn that it was a debt from XXXX  XXXX. I have not had an account with XXXX  XXXX  for years & didn't know I had a debt with them. I did not receive any phone calls, emails, letters, notifications, nothing! as they claim. I feel like they are in violation of my 30 day right to dispute and I demand they remove this collection off my credit report. I have settled the debt.
Consumer complaint received 2024-03-14
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. (TN)

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile below. 
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified with out the original document supporting the verified account.

It is also my understanding that under the FRCA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely Deleted. 

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise NOT PROVEN COMPLIANT to regulatory Federal reporting laws and or standards and MUST be removed immediately the infractions are as follows : Address : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Violation : FRCA USC1681 Accounts : XXXX XXXX XXXX XXXX Violation : FRCA USC1681 XXXX XXXX XXXX XXXX Violation : FRCA USC1681 XXXX XXXX XXXX XXXX Violation : FRCA USC1681 Collections : XXXX XXXX XXXX XXXX Violation : FRCA USC1692 Consumer Collection XXXX Violation : FRCA USC1692 XXXX XXXX Adjust XXXX Violation : FRCA USC1692 By the provisions of the FRCA ACT and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I demand thatches above mentioned derogatory items be investigated and permanently REMOVED FROM CREDIT REPORT. 

Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-06-02
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: ENCORE CAPITAL GROUP INC. (MD)

The credit reporting agencies XXXX  and XXXX  are misreporting information on my consumer credit reports and I am demanding the following accounts be removed from my reports as they are inaccurate and the agencies have not verified them in the allotted time. 

Midland Funding Address ID # XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX Address ID # XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P. (FL)

In 2018 when I moved, XXXX improperly transferred my account to the new address and created a balance due in the old account even though everything was paid in full. But the open balance remained and went to collections. I called XXXX, they admitted the error and told me they would withdraw the collections. But that didnt happen. I called XXXX again and they admitted again and said they would withdraw the collections, but it still never happened. Ever since then ( for 6 years!! ) this collection bounces from agency to agency and reappears on my credit report. 
Currently the company trying to collect is called Southwest Credit Systems and the amount is represented as {$730.00}. This is the only derogatory mark on my credit, and it never goes away!! 
Can you please help me?! 
Thank you! 
XXXX
Consumer complaint received 2023-05-26
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)

Upon conducting a thorough review of my credit file, I have discovered the presence of unauthorized inquiries that are being reported on my personal record. It is evident that XXXX, and TransUnion Credit Reporting Agency have failed to comply with the regulations outlined in the Fair Credit Reporting Act, specifically 15 USC Section 1681i. They continue to report unverified information without providing the necessary legal proof required by law. These credit reporting agencies have not fulfilled their obligation to properly identify and furnish verifiable proof within the mandated time frame. I would like to emphasize that the reported inquiries are inaccurate, and I have never authorized any party to access my credit in such a manner. Despite repeated requests, the credit reporting agencies have failed to provide me with written authorization or take the necessary steps to remove these inquiries from my credit file. Therefore, it is imperative that the following inquiries be promptly removed : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Given the circumstances, I am highly doubtful about the accuracy of these inquiries. I expect a timely resolution to this issue, and I trust that you will take the necessary measures to ensure that my credit information is protected and accurate.
Consumer complaint received 2023-05-26
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. (FL)

Months ago, I sent the three credit bureaus a letter 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 mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (FL)

I submitted a SS # mixup dispute ( between my sister and my SS # ) with Experian on a student loan with XXXX XXXX XX/XX/XXXX. They sent a copy to XXXX but XXXX wouldn't remove it. My XXXX  called to follow up and they required addtional documentation which my XXXX  uploaded on XX/XX/XXXX. We have been following up regularly and everytime we call, they say a few more days. They won't talk to me even if its my SS to follow up on the status. On XXXX they said XXXX days. On XX/XX/XXXX they said XXXX days. Yesterday they said a few more days. How long does this take! they have all the documents they need!
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (IL)

Date and Time of fraudulent charge : XX/XX/year> in the amount of {$2700.00} Received text on XX/XX/year>, replied NO I called the next day XX/XX/XXXX at XXXX am and I told the Wells Fargo rep that this was a fraudulent charge Received a letter to contact Wells Fargo, called was told that my claim was under investigation On XX/XX/year> I called Wells Fargo and was told my claim was denied. I never received a call or letter regarding the denied claim. On XX/XX/year> contacted by XXXX XXXX from executive offices and was told that my claim was being reopened. Case number : XXXX Information I have shared with Wells Fargo Representatives, Fraud Claim Department, and XXXX XXXX from Executive Offices : I did not make this transaction in person as its impossible to be at two places at once I work on the XXXX XXXX XXXX XXXX and the vendor is located on the XXXXXXXX XXXX XXXX XXXX  I have a record of logging into work at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who can verify that I was working on XX/XX/year> Look at past transaction, I have never made a purchase over {$1000.00} or shop on the XXXX XXXX XXXX I have never done business with the vendor XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

This letter is to inform you that you are reporting inaccurate information on my credit report. Bankruptcy can be on credit report only 7 years, please update it on my credit. 

Bankruptcy chapter XXXX-discharged XXXX Any other entries must be removed. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2023-05-26
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Deposited a check via the Chase mobile app to my checking account. The source of the funds was an established income source used several time before, as recently as XXXX weeks prior to this. Upon depositing it, received notification it would be subject to a XXXX day hold. This seemed a departure from the normal hold time so I contacted Chase to obtain an explanation both in person and on the phone. I was subjected to a humiliating variety of questions, as the check was from a relative I was asked how they were related to myself, why they would be sending it and why I would have a different last name. After answering these questions I again received a shifting series of attempted explanation for the delay. In contacting the family member that had issued the check it had cleared the bank the day after the check was written. At this point it has been XXXX days without neither a return of funds to the party who had written the check not a deposit of the funds to my account nor did I evert receive a clear and consistent explanation for this issue.