davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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)

Account XXXX is reporting inaccurately on the credit profile associated with my social security number as evidenced by : The account type detail is listed as a " Credit Card, '' but the credit limit is {$0.00}. This suggests that the account may not be a traditional credit card account. 

The number of months ( terms ) is listed as " XXXX, '' indicating that there has been no activity on the account, despite it being open for over four years. 

The high credit is listed as {$500.00}, but the balance is {$0.00}. This suggests that the account may not have been used or may have been paid off in full.

The comments section indicates that there is a consumer dispute - reinvestigation in progress, which may be impacting the accuracy of the information reported.

These inconsistencies may violate several sections of the Fair Credit Reporting Act ( FCRA ), including : Section 607 ( a ) ( 1 ) requires that credit reporting agencies provide accurate information in consumer credit reports.

Section 607 ( b ) requires that credit reporting agencies investigate disputed information and correct any inaccuracies.

Section 623 ( a ) ( 2 ) requires that credit reporting agencies provide information in a manner that is fair and impartial to all parties involved.

If the inaccuracies on the credit report are not corrected in a timely manner, the affected I may experience negative consequences, such as difficulty obtaining credit or being charged higher interest rates.
Consumer complaint received 2022-10-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (GA)

I called to setup XXXXXXXX XXXX, was told I would have a trial period. I called several times for help with the remote. I even asked the person put in the service. I never did get anyone to explain. After a while I called and canceled the service. 
About a week later I get this letter saying that I owed {$600.00}. I called to find out how I owed them anything. They stated I was being charged {$20.00} for the next 2 1/2 years. I told them to put it back in, if I was paying for it she laughed and hung up on me. I dont feel I owe for something Im not getting. I was still in my trial period and I dont remember signing a contract. They are so friendly when putting this in but when you call for help. Well thats a bother to them. Please help me!! Sign, XXXX XXXX. P.s. the collection agent is ERC* out of XXXX XXXX Florida
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

This debt has been included in a bankruptcy. I contacted the original lender ( landlord ) and they have written off the debt. I am not now and have never been in a contract with FCO. Additionally FCO is not licensed in XXXX.
Consumer complaint received 2022-10-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting an inaccurate charged off account on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inconsistencies between each bureau. This account has different open, last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!
Consumer complaint received 2023-02-27
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. (LA)

Experian Credit Bureau has made it impossible for me to unfreeze my credit report so my application for a credit card from XXXX XXXX was denied. I started calling Experian on XX/XX/XXXX and have called multiple times. Their automated system doesnt understand my answers and its impossible to speak to a human being. I have also tried their website multiple times beginning on XX/XX/XXXX. I cant even get them to mail me information about unfreezing my report. I have never had this problem with other credit bureaus and I believe Experian is just trying to get me to create an account with them so they can get me to use their various services, which I dont want. Also, their system wont even let me create an account!
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (GA)

Report Number XXXX Date Generated XXXX XXXX, XXXX Before After Account info Account name XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7800.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$6000.00} Highest balance {$7800.00} Terms NA On record until XX/XX/XXXX Report Number XXXX Date Generated XXXX XXXX, XXXX XXXX XXXX Account XXXX Deleted This item was removed from my credit report. Please review your report for the details. This Item was removed and deleted then replaced on my credit file this is inaccuracy information I'm request they TAKE this Account off and update my credit file Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$7800.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Report Number XXXX
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (SC)

I applied Amex Platinum credit card on XXXX XXXX EST through XXXX XXXX link that directed to American Express XXXX XXXX ( See attached screenshot ) The website contains information about XXXX membership reward as welcome bonus offer. I see the offer and click the application link, and then filled out my personal information under the application link. My application got approved straightly and I did not receive any warning or notification message in terms of my welcome offer eligibility. I received the approval email and digital card number a few minutes later. 
I also received confirmation message suggesting that my XXXX bonus points welcome offer is eligible through live chat with American Express customer service representative whose name is XXXX on XXXX XXXX EST. ( See attached screenshot ) But later when I talk to the customer representative through phone call, and I was told the welcome offer was declined and I am not eligible for the bonus points. By the time I have already spend {$3900.00} using the platinum credit card, which is nearly halfway to the required purchases listed on the welcome offer conditions. 
American Express is abusing misleading online Advertising information to trick their customers to open their credit card and withdraw the promised offer later without notifying customer or getting customer consent.
Consumer complaint received 2023-01-21
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. (GA)

MY IDENTITY WAS STOLEN YEARS AGO BY MY MOMS EX HUSBAND. HE STOLE HER PERSONAL DOCUMENTS ALONG WITH MINE AND SISTERS FROM HER FILE CABINET AND WOULD OPEN ACCOUNTS UNDER OUR NAMES ONCE HE LEFT HER. WEVE BEEN TRYING TO TRACK HIM DOWN FOR YEARS BUT HAVENT BEEN ABLE TO FIND HIM. IM WILLING TO PRESS CHARGES ON HIM IF HE IS FOUND. PLEASE BLOCK AND REMOVE THIS INFORMATION FROM MY CREDIT REPORT IN 4 DAYS.






FRAUDULENT ACCOUNTS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2023-09-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX  I deferred payments on my Bank of America mortgage per the federal CARES Act. At the end of the deferment, the loan was modified to place the missed payments at the end of my mortgage as a ballon payment. All terms of the modification were completed over 2 years ago. XXXX is reporting that my Bank of America mortgage is currently in a loan modification program. I disputed this with both XXXX and Bank of America. Bank of America is refusing to correct the report and is telling me they will continue to report the account this way until it is paid off in approximately 12 years. XXXX is refusing to correct the report from showing as currently being modified to showing the account as previously modified. This is the only negative remark showing in my credit report, and despite having an XXXX XXXX, I am being denied credit by XXXX XXXX due to this intentional misrepresentation of facts.
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance to the credit reporting act XXXX XXXX XXXXXXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 section 602 states that i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish and 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 a late for any purpose
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (FL)

In XX/XX/2018 I switched to XXXX  mobile service from XXXX. The salesman advised he would pay off any amount due to XXXX XXXX and took all four of our existing XXXX XXXX  phones. I received several calls from XXXX XXXX  advising me of a {$870.00} balance due. I made contact with XXXX and XXXX XXXX many times trying to resolve the matter without success. At one time I was told that the salesman was fired for making false promises to potential customers. The debt was sent to Credence resource management and is now on my credit report. Please help. Thankyou
Consumer complaint received 2021-03-23
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. (TN)

I have tried to fix my issue with XXXX numerous times concerning my credit report. They are reporting numerous accounts that are inaccurate and unverified. I have looked at all 3 credit bureau reports and noticed XXXX is reporting the views on the cumberland was opened on XX/XX/2016. Then on my Transunion report I have that it was opened on XX/XX/2016. None of the dates match up on my credit report. They should all say the same exact thing. Every date from the date it was opened until the day it was closed or charged off should be the same. I wanting this account removed immediately from all 3 credit bureaus for reporting inaccurate information.
Consumer complaint received 2022-10-28
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. (NV)

HIPPAA VIOLATION NO KNOWN KNOWLEDGE OF ACCOUNT NO CONTRACT OR KNOWLEDGE OF BUSINESS XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX Historical info Original creditor XXXX XXXXXXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Your statement Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Previous : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX XXXX info This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2023-02-09
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. (AZ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (VI)

On XX/XX/2023 received a email stating my loan is discharge. I went online on the portal in I see adjustments on the original loans but not on the consolidated loans. I need the adjustments on the consolidated loans.
Consumer complaint received 2020-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I work for my family business and was given checks to deposit into my own account as it is my wage. I showed the bank the paystubs, w2, and payroll register of the company to show that the checks were written to me and verified by both the owner and CPA. Chase however decide to restrict my account and took my money for both the check deposit, cash deposit on ATM and all my money in the account. I use that account to pay bills and now i am unable to pay bills because they thought the checks were fraudulent. I have went to branch to clear this out but it was no help. 

XXXX in check on hold and {$1400.00} cash on hold from atm deposit that was a loan from a family so I can pay mortgage for this month. 

Total balance on lock is {$6400.00}.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

First, I need this to reflect on record that Bank of America does not do thorough research on dispute 's when it comes to customers that has multiple prior claims. Bank of America, Instead denies the claim. 

Regarding XXXX XXXX warranty with XXXX XXXX lists the policy that states that devices have no physical damage, no water damage and is within one year of purchase that they replace the device if its defective I called XXXX, they informed me that I need to call XXXX. 

I had the Total protection coverage, there was no defectives and devices was new screen protector that was purchased a u-break and applied by them was not done properly, so removing the bubbled screen protector applied by ubreak which is affiliated with XXXX was not applied correctly. When i took off, the top left was not flush. that's all. But, XXXX said that I wont be charged for that but they suggested that I don't take a chance and have XXXX handled it.. So, So rather taking a chance with XXXX I would take the risk of having to pay {$29.00}. 

If XXXX claims that any damage appears on the device, than I would like to provide the video that has been taken from the moment I did the hard reset to the sealing of the box. The XXXX  includes the XXXX  as week. 


XXXX. A transaction for XXXX XXXX on a XXXX  was made,. 
XXXX. Bank of America did not deduct the credit that has been applied until a few days later. 
XXXX. This is where the bank failed, I am the customer who filed the XXXX XX/XX/XXXX or XXXX a purchase was made at XXXX XXXX On XX/XX/XXXX Bank of Americas deducted the funds and made the history to appear that we made the purchase with XXXX XXXX after. 

Bank of America violated ( per 1681m ( a ) ( 3 ) ( B ) L Bank of America did not provide a statement of decision Failed to provide a rejection notice Failed to provide the agency details ITS IMPORTANT THAT i MAKE THIS A PUBLIC COMPLAINT ALLOWING OTHERS TO SEE THE TRUTH. 
. 

When a dispute is filed, I print out the daily transactions so that if you deduct the credit than I have proof that it was not done from the perception you causel
Consumer complaint received 2023-02-09
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. (GA)

My name is XXXX XXXX and I am a natural man submitting this complaint on my behalf and without any third-party involvement. This is a request for a correction of the inaccurate, erroneous, and unverified information on my consumer report. Please conduct a reasonable investigation and take appropriate action and promptly correct the information in accordance with FCRA section 611-15 USC 1681i ( a ) ( 1 ) ( A ) ) upon receipt of the attached dispute to prevent further invasion of my privacy and damage to my consumer credit reputation. Attached is a copy of the dispute submitted to Transunion, 2 forms of identification ( Driver 's License, XXXX bill for proof of address ).