davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: OPTUM BANK, INC. (IL)

Dear Sir or Madam, I have been trying to obtain reimbursement for my child care expenses from Optum Financial for the past two and half months. My attempts at appealing their decision to approve my claims, yet withhold payment, has been unsuccessful. 

My story begins on XX/XX/22 when I submitted all my child care expenses to XXXX ( Optum Financial ). I went to my child care provider 's website to generate the necessary documentation of expenses. Right at School, the provider of before and after school care for our elementary, has been the company used by the school since my kids were in kindergarten. So, I have submitted expenses and documentations for my child care spending account since kindergarten. The process is an annual routine with the only disruption being remote learning cause by the pandemic. However, this time reimbursement was delayed. I contacted the Optum via their chat and was told the documentation submitted did not have a description of service provided. The representative recommended that I fill out a claim form to address the deficiency. I did look at the suggested form and was perplexed by the form as it would necessitate the resubmission of all my claims. Then, I spoke to an Optum representative in hope of resolve the issue without having to submit the claim form. Now, I was told that I could provide a website with descriptions of services provided by Right at School. This was a much more reasonable solution to the deficiency. I submitted the website documentation on XX/XX/22. All my claims were subsequently changed to approved, processing reimbursement. Unfortunately, I have not been reimbursed for my legitimate child care expenses. Now, Optum is saying I submitted the documentation after the XX/XX/22 deadline. 

I have written XXXX to appeal their withholding of money I have designated for my legitimate child care expenses. The company has yet to respond to my appeal. I have been engaged and will continue my efforts to resolve this matter. My hope is that the CFPB can help me and other by being an advocate against corporate excesses. I will attach the list of child care expenses claims and my appeal letter to XXXX. 

Respectfully, XXXX XXXX
Consumer complaint received 2020-11-07
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. (MO)

Equifax stated in my last complaint that XXXX XXXX XXXX was not reporting on my file. This was a bold face lie. It indeed is reporting. Please see all screenshot that shows you how Equifax lies, reports inaccuracies and doesnt do anything about it.
Consumer complaint received 2022-05-28
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. (MO)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update these suspicious information I found on my Credit Report. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus. This was already included in my prior Complaints, and I'm including them again. The accounts XXXXXXXX XXXX XXXX Balance Owed : {$0.00}, and XXXX XXXXXXXX XXXX Balance Owed : {$3000.00} are erroneously reporting on my Credit File.
Consumer complaint received 2022-05-28
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: Grain Technology, Inc. (NY)

I've emailed the company numerous times about a glitch in the system that wasn't able to verify my identity. I've had this account for over a year there shouldn't even be anything wrong with this account considering verifying identity, as a result they are intentionally causing a derogatory mark on my credit by not responding to any messages for me to even pay off this account.
Consumer complaint received 2022-05-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NM)

Firstly, according to court order the actual owed amount was a little over 2 grand and they sent me to collections for XXXX grand. 

The debt is from 2015, meaning the 7 year line has nearly hit. Since about 3 months ago they have repeatedly removed and re-sent me to collections making my credit score fluctuate. This is only to XXXX, I have disputed on XXXX off the basis it was removed from XXXX which is what I believe started this. 

They have also called family members not involved with this debt and sent mail to every address I had prior and after the debt.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

It has been drawn out into the open that the Credit Bureaus are not blocking records when they are sent with a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove these Fraudulent information from my Credit report : XXXX XXXX Balance Owed : {$6100.00} ; ACCT XXXXXXXX XXXX XXXX Balance XXXX : {$650.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$900.00} ; XXXX XXXXL XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX BANK XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; and XXXX XXXX AV XXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2022-05-28
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. (NC)

I have recently reviewed my EXPERIAN, XXXX XXXX, and XXXX consumer report and see there is an unauthorized inquiry and accounts reporting that I did not initiate nor did I benefit from any of them. The account listed on XXXX XXXX is a fraudulent collection account reporting from creditor XXXX XXXXXXXX XXXX account # XXXX. Also on XXXX XXXX is an unauthorized hard inquiry from XXXX XXXX date XX/XX/2021. The fraudulent accounts listed on XXXX are XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX account # XXXX. The fraudulent accounts listed on EXPERIAN are XXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXXXXXX XXXX account # XXXX. I demand these accounts listed above to be deleted and blocked from my credit file immediately.
Consumer complaint received 2023-10-17
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-27
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX : {$110.00}
Consumer complaint received 2022-05-28
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. (MO)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update these suspicious information I found on my Credit Report. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus. This was already included in my prior Complaints, and I'm including them again. The accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3000.00} are erroneously reporting on my Credit File.
Consumer complaint received 2022-05-28
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. (MO)

It has been drawn out into the open that the Credit Bureaus are not blocking records when they are sent with a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove these Fraudulent information from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Unauthorized inquiries, I reach out to both companies and the 3 credit bureaus and havent received a investigation or any call back sent in numerous documents and still no changes XXXX XXXX XX/XX/XXXXXXXX XXXXl XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

After carefully reviewing the letter I sent to NCA certified mail, received on XX/XX/22. written response letter on XX/XX/22. According to their written letter on XX/XX/22 they stated they will start a properly investigation and ceasing collection to all reporting credit bureaus. 
The items listed remain on XXXX and XXXX, 2 accounts with 2 different amounts, which NCA reported false and inaccuracy information on my behalf. Deformation of character. 

Violated 15USC 1681s-2 responsibilities of furnisher of information to consumer reporting agencies, on the same day upon receiving debt violation letter and not reporting on the XXXX and XXXX of each month. During this time the Company has damage and violated my rights under the FCRA 15USC1692e. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

15

usc1681. The law required by federal law to verify that this information is mine and is correct. The company has only provided me a copy of a promissory note, which is not enough, per law they have 30 days to verify. SECTION 609 ( a ) ( 1 ) ( A ), SECTION 611 ( 5 ) ( A ).

The law is very clear SECTION 617 Civil liability for negligent noncompliance I demand the accounts to be DELETE IMMEDIATELY FROM ALL 3 CREDIT BUREAUS and my credit score to be adjusted accordingly.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC (TX)

My wife and I applied for a mortgage from NEWREZ ( XXXX XXXX XXXXXXXX ) to purchase a CO-OP APT XXXX At the end of XXXX we plan to sell this apartment and requested the bank 's mortgage servicing company, Shellpoint, to provide the collateral documents, including original Stock Certificate and Proprietary Lease in XX/XX/XXXX. 

The bank and the servicing company are supposed to provide either the collateral documents within 60 days, or they should provide a Lost Stock and Lease Affidavit if they have lost the document, however, as of today, aka XX/XX/XXXX the bank and servicing company are still unable to provide either original collateral related documents or Lost Stock and Lease Affidavit, despite the fact that we tried to reach out to them many times. 

Everyone in this closing transaction, including buyer, seller, agents attorneys, and board of the building are waiting for them to provide relevant documents. Every day of delay means a loss to my bank account for not being able to close the transaction.
Consumer complaint received 2022-12-19
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I am including those aforementioned items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, H XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX CARD XXXX Balance : {$5600.00} XXXX CARD XXXX Balance : {$5500.00} XXXX BANK XXXX XXXX XXXX XXXX {$2900.00} XXXX BANK XXXX XXXX XXXX XXXX {$1300.00} TD BANK XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX Balance : $ XXXX XXXX BANK XXXX XXXX Balance : {$2900.00} XXXX BANK XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1600.00} XXXX CARD XXXX Balance : {$5600.00} XXXX CARD XXXX Balance : {$5500.00} XXXX BANK XXXX XXXX Balance : {$2900.00} XXXX BANK XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The Credit bureaus stated the accounts listed below was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is inaccurate, two-year payment history is inaccurate, account status is inaccurate, past due balance on a charge off account is inaccurate. This is grounds for removal. 

Account Name : XXXX XXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2019-03-24
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: Santander Consumer USA Holdings Inc. (AL)

I went to XXXX XXXX XXXX on XX/XX/19. They had hard inquiries placed on my report repeatedly without my consent..The first was XXXX XXXX XXXX   XXXX  and the other was Santander Consumer USA.They never said a word to me about either of the two .I dont even know how they did it if I wasnt there to agree to it.This one done on all 3 bureaus XXXX, XXXX, and XXXX..
Consumer complaint received 2022-05-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (CA)

I informed United Collection Bureau that I have no outstanding account, no debt, no financial services accounts, no student loans ( I paid out of pocket in XXXX  ) no government loans no balances. I asked them to remove me any any information related to any account from their database. My identification was stolen and used fraudulently from XXXX. The police report you have ( sent four times ) supports this. I ask for your help in ensuring United Collection Bureau does not have any contact with me and removes me from their database of fraudulent accounts they are trying to collect on.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have tried to dispute the bankruptcy that is showing on my credit report. I attempted to asked them how did they get permission? According to USC 1681 c ( a ) 1, states that credit reporting agencies are not to show a bankruptcies on a person 's personal credit report. There are tons of inquiries that I have requested to be removed as well, but they sent me a document stating that its accurate. HOW? They have not sent me anything to validate any of those inquiries.
Consumer complaint received 2022-05-28
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: ENCORE CAPITAL GROUP INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-07-13
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)

A few weeks ago I sent this bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.
Consumer complaint received 2022-09-27
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. (MS)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.