davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Experian keeps rejecting my disputes and falsely marking my complaints here as duplicates. They just did it again to another recent complaint and I am sick and tired of it. WHAT AM I SUPPOSED TO DO WHEN THEY REFUSE TO INVESTIGATE AND REFUSE TO DELETE ACCOUNTS THAT HAVE VIOLATIONS? Thanks to their illegal antics, I have been dealing with them for basically a year now of disputing because they've refused to do anything about accounts that have been -- and still are -- illegally reporting in my credit file. Each time a dispute has been requested, EXPERIAN NEVER INVESTIGATED and they NEVER REGARDED THE SHEER VIOLATIONS ON THE DISPUTED ACCOUNTS. This alone is a violation! In fact, I discovered based on the old " dates of status '' in my report and online ( when I log in to my account ) that they have not investigated the majority of the disputed accounts ALL OF XX/XX/XXXX & so far in XX/XX/XXXX when I've disputed! THIS IS A VIOLATION AND MEANS THAT THEY MUST DELETE ALL DISPUTED ACCOUNTS AND MUST UPDATE THE ACCOUNTS TO POSITIVE ( which I note in my attachment ). On top of that is the fact that 1 ) There's an account I have REPEATEDLY noted as reporting CONCURRENTLY AS " OPEN '' AND " CLOSED '' when it is in fact a closed account ; 2 ) There are a couple of RE-AGED ACCOUNTS ; 3 ) The XXXX accounts are all reporting as late in XX/XX/XXXX, but I WAS NEVER LATE in XX/XX/XXXX ; 4 )  Two collection accounts are reporting " past due '' when COLLECTIONS ARE NOT SUPPOSED TO REPORT A " PAST DUE ''. Moreover, Experian sneakily includes the " past due '' in the " status '' ; and 5 ) There  are lots of DIFFERENT, CONFLICTING DATES on many of the accounts! This is all FACTUAL INFORMATION THAT IS VERY CLEARLY REPORTING IN EXPERIAN 'S VERY DATABASE! Yet, they have repeatedly responded refusing to investigate or even pretending to investigate while actually doing nothing at all. In fact, one of the creditors ( XXXX  XXXX XXXX, formerly XXXX XXXX XXXX XXXX XXXX ) of an account I'm disputing even said in a letter to me dated XX/XX/XXXX, " ... we do note that the customer has submitted multiple credit reporting disputes via XXXX ... ''. Experian has been using automated systems like XXXX   and 3rd parties to " verify '' info, TOTALLY DISREGARDING MY DISPUTES, which is a violation of consumer law! They pass investigation off to the creditors WITHOUT DOING THEIR OWN INVESTIGATIONS and WITHOUT GETTING PROOF FROM THEM! And, they do what they did recently ( as well as a time or two before ), which is to COMPLETELY REFUSE to do anything. All of these tactics are not only absolutely ridiculous, but they're DANGEROUS and NEGLIGENT! My credit file and my time are not a game to play with! Again, I've attached the disputed accounts in a document and have included my SS card and ID. PLEASE EXPEDITE THIS DISPUTE!
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. Remove immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MO)

I sent the following email to US Bank, wherein they called me and agreed to forgive one of the fees which is unacceptable but then told me they could not forgive even one because their system would not allow them to which is a common excuse they utilize. 

Below is the letter I sent : XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 U.S. Bank XXXX XXXX XXXX XXXX XXXX MN XXXX US Bank XXXX XXXX Acct XXXX : ************ I am writing to request that you refund all of the overdraft charges applied, during the past month from the date of this letter, to the account I hold with you. I do not believe that these charges reflect the actual cost to US Bank of my unauthorised overdraft and consequently believe them to be unlawful. 

Therefore, I am requesting that you refund me {$72.00}, an amount which represents the total charges applied to my account during this time. 

For your reference I have attached full details of these charges. 

XXXX XXXX I would ask that you deal with my request immediately rather than waiting for me to escalate the case traditionally as I currently am experiencing financial difficulty as a result of loss of employment. 

I look forward to receiving a response from you within the next 14 days. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I walked into work this morning as " Ms. XXXX '' was on the phone with my boss, to try to do an " employment verification '' because I had not returned her calls. I had not returned her calls because she was supposed to send me proof of a debt that she was calling repeatedly about. " Ms. XXXX '' from XXXX XXXX XXXX XXXX called me at work and stated that I had an outstanding debt from XXXX  and offered to settle. She would not give me her first name, furthermore, I told her I needed proof of the debt as my identity had been stolen. I asked her to physically mail me proof and she said with the mail system it would be better to email me. I complied stupidly, however stated that she emailed me as well as her XXXX, but I was on the phone with her as I looked for the email and I told her it wasn't there or in my junk email. I searched by name and date. 

I told her then that I would be happy to discuss this further once I got proof of the debt and she became aggressive telling me the phone calls would not stop. She said the identity theft was between me and my attorney, and I told her he would be happy to speak with her. I then asked for her address and she would not give it to me. I told her to cease calling me at work and she said no that the calls will continue. I have found their address online and if I hear from " Ms. XXXX '' again I will be pursuing further action.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Since XX/XX/2021, Bank of America has charged me over XXXX worth of overdraft fees and will not reimburse me the money that was charged. Nobody should be charged more than 30 overdraft fees in a 2.5 -3 month time period regardless of how much money was in my account!
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$510.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2021-09-27
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. (AL)

I have written and called TransUnion several times about the account at XXXX 'XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is reporting to TransUnion as a charge off but is showing a balance. Not only are they showing a balance, this account has been sent to a collection agency. They are also reporting C/O each month on my TransUnion report to reset the last date of activity. I have explained this to TransUnion several times via phone and letter. They have yet to remove this account for inaccurate reporting.
Consumer complaint received 2021-09-27
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. (LA)

On XX/XX/2021, XX/XX/2021 XX/XX/2021 and again on XX/XX/2021 I sent a certified letter to Experian about some unauthorized credit inquiries which are listed below, they have not responded to my request. These inquiries were not authorized by me and are fraudulent. 

XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp. (MA)

I took out a loan from United Auto Credit in XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX with my final payment on XX/XX/XXXX ALL payment were made on time as reflected on my credit reports. In XXXX I traded in my vehicle to XXXX which they paid off the loan to United Auto Credit on XX/XX/XXXX in the amount of {$3200.00} paying off the loan. United Auto Credit continues to report a 30 day late payment in XX/XX/XXXX and refuses to remove it.
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

One Saturday XX/XX/2021 I send XXXX us for my XXXX grandma to my aunt using the system where the money would be available on her debit card to get supplies for my grandma, day past she I was told the money didnt get delivered, waited to see if would get an email stating an issue or call nothing today is XXXX the XXXX called money gram days up and days all Im being told is being held and they dont know why, putting me out of XXXX dollars more because my grandma needed supplies shes on her death bed, money gram couldnt even tell me when the money would be delivered the most info I got it could take up to 90 days no email confirmation on the fact my money is stolen by money gram
Consumer complaint received 2023-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

in XXXX of 2021, I received a copy of my credit report and ARS was reporting a collection on it. I reached out to ARS in an attempt to dispute the matter and asked them to verify the account they believed belonged to me. The company in turn send me an internal bill with none of the method of validation I asked for. No signed contract, no itemized bill for goods or services they claimed to have provided to me. I don't know who this company is and don't remember doing any business with them.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

I originally contracted and booked a trip with XXXX XXXX for XX/XX/XXXX. They debited {$4600.00} from my account on XX/XX/XXXX. On XX/XX/XXXX they informed me they would not be moving forward with my trip and that they would not be refunding my money. Per their contract if they did not give notice of 40 day or more the client ( myself ) had the right to request a refund or a future date. I requested a refund of which they declined to give me back my money. This was in XX/XX/XXXX. I at that time disputed the charge with Citi Bank. I was denied my claim because XXXX XXXX said that they were rescheduling my trip to a future date of XX/XX/XXXX. 

On XX/XX/XXXX from XXXX saying they were NOT going to give me my money back, they were NOT rescheduling my trip and that they were going into bankruptcy. I then went back to Citi to reopen the dispute and appeal as XXXX did NOT do what they promised. Citi bank again denied my claim This time claiming that the date of the transactions had already passed their appeal limit even though they acknowledged and accepted that the XXXX reschedule trip was a valid reason to deny my claim Citi Bank reopened my claim after my first complaint and have now again denied not for any of the previous reasons but now because the merchant has claimed I was suppose to go through an insurance policy that does not apply because it only cover customers in the XXXX XXXX and I am in the US. Citi accepted a screenshot of their most recent website as reason, which is not protecting me AT ALL instead of looking into what the policy was and who is covered. 

Further more .... the owner of this same company who rejected my claim is stating that what they stated is wrong when they disputed the claim ( see attachments ) and gave proof that I am NOT at all covered by their argument.
Consumer complaint received 2021-09-27
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: EQUIFAX, INC. (NY)

I contacted XXXX and requested a debt validation pursuant to 15 USC 1692g. In order to validate a debt, an alleged creditor has to submit 5 criterias, this is not optional and no part can be missing. Pursuant to 15 USC 1692g, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Attached is the correspondence I received from XXXX proving they were unable to validate this alleged debt. I have disputed this debt several times with Equifax and you repeatedly concluded your investigation as this debt was validated and it remains on my consumer report. I need to see what they are sending you that is different from what they are sending me. I demand Equifax provide me with the method you used to investigate this an valid and ALL documentary evidence pertaining to this account and why you feel you have enough evidence to keep furnishing this information on my consumer report. If you can not provide me with this evidence, I demand you delete this account immediately
Consumer complaint received 2021-09-27
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: TD BANK US HOLDING COMPANY (NY)

To whom this may concern target store credit card / TD BANK USA/TARGETCRED been on my report for some time now since I found out about the account I been trying to dispute this with them and all three credit bureaus and no help has been giving the information such as address and phone numbers and email has all been incorrect information that doesnt belong to me. The last rep I spoke to try to convince to me keep the account open even thought I didnt open it. And I had no knowledge of this account and I asked her to closed it she kept me on the phone for a very long time to convince me to stay with them. I want this account removed off my credit report I told them that a family member open this account behind my back and they are in jail now. This is frustrating that I have to go threw this this is fraudulent and wrong and I know my rights
Consumer complaint received 2021-09-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: TRUIST FINANCIAL CORPORATION (MD)

On XXXX  XX/XX/2021 I submitted a Paycheck Protection Loan ( PPP loan ) Application $ XXXX {$25000.00} and Loan Forgiveness via Suntrust Bank Business Portal . The subject PPP loan application due date was May XX/XX/2021. Please find attached SBA XXXX PPP loan application. On XXXX  XX/XX/2021 Suntrust Bank notified me regarding PPP loan funds depletion. I have contacted Small Business Administration ( SBA ) in writing on XXXX XX/XX/2021 regarding three XXXX pandemic economic damages and losses applications : PPP loan & Forgiveness $ XXXX {$25000.00} ; XXXX XXXX XXXXXXXX {$15000.00} and XXXX regular loan {$260000.00} ( approved by SBA ) as well as 7j XXXX XXXX XXXX  Grants. Based on the programs criteria, I qualify the subject four programs. I hereby demand both Suntrust Bank and Small Business Administration to pay the above referenced amount. If you need additional supporting documents, please contact me via email.