davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

I have made XXXX ( XXXX ) separate credit report dispute requests to Experian, which were mailed United States Postal Service " certified. '' Both requests were denied. I have AGAIN received another letter dates XXXX XXXX, XXXX in which Experian is demanding that I submit a copy of a " current utility bill, bank or insurance statement. '' My " original '' letter was dated XXXX XXXX, XXXX and my " second '' letter was dated XXXX XXXX, XXXX. I have told Experian that I have submitted all the required documents under the Fair Credit Reporting Act to verify my identity. 
Specifically, there is no federal statute under the Fair Credit Reporting Act that requires me to provide " proof of address. '' This may be a Experian " policy '' requirement but it is NOT a " statute '' requirement under the Fair Credit Reporting Act. The ONLY " statute '' requirement is " proof of identity '' and not " proof of address. '' I refer you to the Fair Credit Reporting Act under Section 611 [ Procedure in Case of Disputed Accuracy ], which follows Section 610 ( a ) ( 1 ) [ Proper Identification ], which states that " a consumer reporting agency shall require as a condition of making the disclosers required under Section 609 that the consumer furnish proper identification. '' Verification of " identity '' is provided under Section 609 ( e ) ( 2 ), which says that " before a business entity [ Experian ] provides any information ... as proof of positive identification ... the presentation of a government issued identification card. '' In my " original '' letter, dated XXXX XXXX, XXXX, I provided Experian a copy of a government identification, specifically, my passport and I provided my current mailing address in my " original '' credit report dispute. 
In my " second '' letter, I provided Experian a copy of a government identification, specifically, my passport, copy of my social security card, copy of their letter sent to me at the address I provided in my " original '' letter. This is more than the required documents necessary to provide a Credit Reporting Agency under the Fair Credit Reporting Act. 
As a result, Experian has failed to complete their investigation within the 30-days, as required by the Fair Credit Reporting Act under Section 611 ( a ) ( 5 ). I request that Experian be fined the minimum penalty and I request that you contact Experian and mandate compliance with my credit repair request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX XXXXXXXXXXXX
Consumer complaint received 2015-05-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo & Company, has refused to provide me a referral to Identity Theft Assistance Center ( ITAC ). Because I have been a victim of identity theft I have been subject to significant financial problems and expenses as a result of Wells Fargo & Company failing to provide a referral to ITAC. 

I am demanding immediately, that Wells Fargo & Company provide me a referral to ITAC. My phone number is XXXX XXXX XXXX XXXX and Wells Fargo & Company can also contact me via email at XXXXXXXXXXXX, as well as via physical mail to the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX look forward to working with ITAC XXXX an effort to resolve Identity Theft issues and expenses.
Consumer complaint received 2022-12-17
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX , FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-11-24
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)

This is my 3 time sending this report of wen my identity got stolen and fraudulent accounts were made with my credit I send numerous reports to the creditor and no response at this time the creditor are in violation of the FDCP
Consumer complaint received 2019-11-24
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)

This is my 3 time sending this report of wen my identity got stolen and fraudulent accounts were made with my credit I send numerous reports to the creditor and no response at this time the creditor are in violation of the FDCP
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe damages to my reputation, defamation of character, and my familt as well as my quality of living.

I demand the late payment reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 to be removed. 


They are not in compliance with15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law. 

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer.
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (FL)

Recently I saw a negative affect on my credit report from PROFESSIONAL DEBT MEDIAT in the amount of {$4300.00} for XXXX XXXX as a bad debt collection account. I used to reside in XXXX XXXX through the end of 2018. When I moved out, my last month 's payment and security deposit covered the funds owed XXXX XXXX. Until this day, I have not heard or seen any correspondence regarding this debt until it showed up on my credit report and negatively impacted me. I do not owe any more funds to XXXX XXXX and any claims from PROFESSIONAL DEBT MEDIAT are invalid and were not properly provided to me PRIOR to being placed in collections!! I do not know what this could possibly be for and I was not given a proper notice or chance in order to dispute this or properly handle it. Instead it went straight to my credit report and is negatively affecting me especially during the pandemic.
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

I received a preselected offer from Lowes synchrony Bank to apply for their Lowes Advantage card. 
I applied and was approve immediately. 
XX/XX/XXXX I was notified by a credit reporting agency that I had a closed card on my account. 
When I checked synchrony bank had closed my card. I contacted Lowes and they advised me that they rechecked my credit and found it was not satisfactory and closed my account. 
Not only did they approach me for their card which required a credit check. 
But they closed my account which was in good standing and payment was made on time? When they closed my account they again affected my credit score. I am deeply concerned that a credit card company can approve and close accounts with no reasonable explanation. 
I did not give them permission to do the credit check prior to closing my account. 
I am in the process of refinancing my home and had intended to pay all of my credit cards off, because of the credit checks it has an impact on my score.
Consumer complaint received 2019-11-23
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. (PA)

I am writing this due to non compliance with the XXXX Equifax, Equifax, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-05-25
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. (TX)

FCRA violations : inquires not mine XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, TX XXXX FCRA violations XXXX accounts not mine XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1100.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$800.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$850.00} Status Collection account. {$850.00}
Consumer complaint received 2019-10-17
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: I.C. System, Inc. (VA)

IC Systems collection for what it says was my direct tv account. I have submitted both the last bill amount they are saying was owed to them, which services were billed a month in advance anyways so I shouldn't have, had a bill when service terminated. They on numerous previous disputes to them on amount said the never received equipment back which I was able to prove they did back when the collect was under XXXX before they sold the debt. I have not had them in 7 years easy so all the dates are incorrect. Everyone keeps selling this debt and I have to start the process over and over
Consumer complaint received 2022-05-25
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)

First I would like to say there has been a violation of 15 U.S code 1681 section 602 states " I have the right to privacy '', 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. 15 U.S code 1666b states " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ''. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail.
Consumer complaint received 2016-03-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: American Revenue Management, Inc. (TX)

I have contacted American Revenue Management on 5 separate occasions about an unknown entry they have placed on my credit. 
I find it immensely frustrating that they will not acknowledge my complaint/dispute however they continue to discuss the matter with the credit bureaus and have advised them that the account belong to me.
Consumer complaint received 2024-03-11
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. (IN)

For some reason my credit report from equifax by XXXXXXXX XXXX XXXXXXXX was marked for collection with an amount of {$2400.00}. However the orginal creditor University XXXX XXXX XXXX has already canceled the debt that was owed? Attached to this compliant is my Copy B form from the 1099C iv recieved on XX/XX/2024 from University XXXX XXXX XXXX.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (NY)

I am a XXXX ( XXXX card ) member of American Express for which privilege I pay and annual fee of {$5000.00} a year. I have been an American Express member continuously since XXXX. In short, I am a good customer. I have 4 American Express credit card accounts and for 3 of them I receive statements and pay them in a timely manner. This complaint is about the 4th account- for which American Express refuses to send me statements and consequently is not complying with the terms of the Fair Credit Billing Act, 1974. The Act requires American Express to send written statements to creditors at the address requested by the creditor. I have provided American Express with my home address and I have requested that statements are sent to that address, but American Express refuses to do so. Section 1666 ( b ) a. of the Act states : " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' American Express has not mailed or delivered statements to me. Someone called XXXX called me from American Express on a recorded line and I requested that statements be sent to me in compliance with the Act, but she refused. Now American Express is threatening to discontinue the use of my card
Consumer complaint received 2022-04-15
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. (OH)

TRANSUNION XXXX XXXX ALL FAILED TO REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT AS REQUESTED. 

XXXX XXXX # XXXX XXXX XXXX
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX reported to agencies that I was late on my payment when I was disputing the amount due. 
The car was purchased in MA and I paid sales taxes there. 
Thereafter the vehicle was moved to Texas where apparently XXXX XXXX XXXX XXXX paid again those taxes and passed to my account I disputed those extra charges since you only pay on one place.
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (IA)

We sold and closed on a property on XX/XX/XXXX. It is now XX/XX/XXXX and we have not seen funds yet. On XX/XX/XXXX XXXX XXXX XXXX in XXXX, AZ, closed the sale of our property in XXXX XXXX, AZ. They were to wire the funds to our checking account at Chase Bank. Their bank is XXXX. The wire wasnt sent until Friday the XXXX. The wire has been sitting at Chase Bank since then. They say they emailed XXXX for confirmation that it was legitimate. XXXX says Chase emailed the wrong dept. it has sat at Chase for almost 2 weeks now. I have called them many many times. I contacted XXXX XXXX for help. All three entities are finger pointing, but getting nothing done. I literally have spent hours and hours on the phone trying to resolve and get my entire life savings. I am beyond frustrated. The service Ive received from these institutions is terrible. We signed our sales docs on XX/XX/XXXX and have nothing! Were not sleeping at night, Im at the end of my rope. Please help!
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$800.00}
Consumer complaint received 2024-03-11
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I am writing to delete the following in my file. the items I need deleted are listed in the report. I asked that the items be deleted to correct my credit report. please delete items as soon as possible. I wrote to have them delete and was denied and I need them removed.
Consumer complaint received 2017-09-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CO)

On XXXX XXXX, XXXX I wired {$21000.00} to Coinbase , Inc . The wire was sent from my credit union, XXXX XXXX of XXXX, to Coinbase 's bank, XXXX XXXX Bank. I spoke with XXXX XXXX Bank and they confirmed that they received the wire on XXXX XXXX, and forwarded it to Coinbase the same day. Coinbase has not credited the money to my account, and has not responded to my multiple attempts to contact them to get this issue resolved. I now believe that they are acting criminally. How can a company legally hold my money for 17 days without providing the promised services? How can they get away with having absolutely no way to contact them by phone? I have sent at least XXXX emails, opened XXXX support tickets, left them voicemails, attempted to contact them on XXXX, XXXX, and XXXX and filed a complaint with the XXXX XXXX XXXX. This company needs to be shut down, they are either thieves, or lack the competence necessary to run any sort of financial company. I have suffered financial harm because Coinbase has effectively stolen my money. I will be filling criminal complaints with every agency with jurisdiction to ensure that this criminal enterprise can not harm others in the way that they have harmed me.
Consumer complaint received 2018-04-01
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: Neon Newco Corporation (GA)

On XX/XX/XXXX XXXX was withdrawn from my account for a pair of shoes I never walked out of XXXX XXXX with. I swiped my card three times and was told the transaction was not completed. A reciept was never printed for the merchandise. I left the store while checking my account and I seen three charges for the the same pair of shoes I had just tried to purchase. I talked to the merchant and was told I would have to file a dispute with my bank. I contacted my bank and was told it takes up to 20 days for new customers. 20 days passed and still no update to the dispute. So I called back and was then told it wouldnt be updated til XX/XX/XXXX which is four months after the fact. I will never open another prepaid card with Netspend theyre a scam! I contacted XXXX XXXX customer service number and a representative was able to locate the transactions saying that all three were declined on their end but somehow the money is still missing from my account.