davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (PA)

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-29
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. (VA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

American express closed my credit card automatically in a month after annual fee charges apply to my account, but charge me the annual fee for the whole year. My annual fee was charged on XX/XX/XXXX for {$230.00}, and american express close my account on XX/XX/XXXX. I make a phone call to american express, but they reject to refund the annual fee.
Consumer complaint received 2019-12-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$7500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated  on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account.
Consumer complaint received 2019-12-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$7500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account.
Consumer complaint received 2023-01-21
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: Grow Credit Inc (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported the account 30 days past due. 
15 US Code 1666B - Billing Error, I did not give them consent and this company is not protecting my privacy.
Consumer complaint received 2021-12-29
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. (AR)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. 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, TransUnion 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 and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2021-12-29
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. (AR)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

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 and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I have a consumer credit card that was included in bankruptcy from Bank of America. This data is now being reported past the statute of limitations, and needs to be removed immediately. 

I do not have the account number ; however, my SSN is XXXX and my DOB is XX/XX/XXXX
Consumer complaint received 2021-12-29
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: OneMain Finance Corporation (TX)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP. ( ONEMAIN XXXX )
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stephen L. Bruce, P.C. (AR)

On XX/XX/2021 I receive a letter from Stephen Bruce and XXXX stating that they had a Writ of Garnishment against me. Stephen Bruce and XXXX have violated my protected rights as a consumer under 15 USC 1692. I have proof of these violations in the Displays I have attach.
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (OR)

I have auto payment scheduled where my bank is paying my mortgage payment to BSI Financial Services. Payment is due on the first of the month so my bank cuts the check a week before its due, dates on the first of the month. Received mortgage statement today stating I missed XXXX payment with {$80.00} late fee charge. I contacted my bank which said check was mailed on XX/XX/23 but BSI cashed it on XX/XX/23 which is out of courtesy time ( 2 weeks ). Called BSI and asked to have late fee reversed which I was not promised that it will actually happen. Agent did say that BSI was having problems with getting their mail!! How is that OK to charge late fees to customers when it was their issue and problem. Also why did they not contact us regarding not receiving payment? This is such a bad scam and terrible customer service, charging customers for their issues!!! Ive lost all my trust to BSI and wish we could change mortgage company!
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I HAD APPLIED FOR A BOFA CREDIT CARD IN XX/XX/XXXX BUT NEVER RECEIVED AN APPROVAL EMAIL SO I ASSUMED CARD WAS NOT APPROVED. IN XXXX I THOUGHT OF RE-APPLYING AND CONTACTED BOFA CUSTOMER SUPPORT INORDER TO KNOW MORE ABOUT THE CARD BENEFIT I WAS APPLYING. TO MY SURPRISE, THE CUSTOMER SUPPORT REPRESENTATIVE TOLD ME THERE IS A CARD ISSUED ON MY NAME IN XXXX AND I TOLD HER THAT I NEVER RECEIVED ANY CARD. SHE SAID NOT A PROBLEM AND CAN SEND ME A NEW CARD AND THAT I WOULD GET THE BENEFITS THAT I WAS SUPPOSED TO ONCE I ACTIVATE THE CARD THAT SHE WAS GOING TO SEND. I CONFIRMED MULTIPLE TIMES AND SHE WAS SURE THAT MY BENEFITS ( {$200.00} WELCOME BONUS ) WILL BE COUNTED STARTING XX/XX/XXXX AND ALSO I WILL GET 12 MONTHS 0 % APR. AFTER I SPENT MORE THAN {$500.00} I CONTACTED THE CUSTOMER SUPPORT ONCE AGAIN TO ASK THEM WHY I DID NOT GET {$200.00} BONUS AS I MET THE WELCOME BONUS CRITERIA AND THE REPRESENTATIVE TOLD ME THAT I WONT GET THE OFFER SINCE THE CARD WAS ISSUED ONE YEAR BACK. I TOLD THE REPRESENTATIVE ABOUT THE GIRL WHOM I SPOKE TO EARLIER IN XX/XX/XXXX AND SHE CONFIRMED ABOUT THE OFFER. HE SAID HE WILL INITIATE A REQUEST AND THE CONCERNED TEAM WILL GET BACK TO ME. CASE WAS RAISED ON XXXX XX/XX/XXXX. NO ONE BOTHERED TO CONTACT ME AND AFTER WAITING FOR TWO WEEKS I CALLE BACK AND THE OTHER REPRESENTATIVE TOLD ME THE CASE IS CLOSED AND HE WILL OPEN A NEW CASE AGAIN. I ALSO SPOKE TO A SENIOR MANAGER ( A LADY ) AND TOLD HER THE ENTIRE STORY AND SHE WAS SO RUDE TO ME. I ASKED HER WHY WAS THIS FALSE INFO GIVEN TO ME AND HER ANSWER SHOCKED ME. SHE SAID, 'INORDER TO SELL THE CARDS OUR REPRESENTATIVES LIE ' AND HUNG UP ON ME. I WAITED AGAIN FOR 10-15 DAYS AND CONTACTED THE CUSTOMER SUPPORT AGAIN. THIS TIME A  LADY SPOKE AGAIN AND SHE PROMISED ME THAT SHE WILL WRITE AN EMAIL ABOUT THIS INCIDENCE TO HER MANAGER AND HER MANAGER WILL GET BACK TO ME AFTER ONE BILLING CYCLE. I ALSO TOLD HER PLEASE  ASK YOUR MANAGER TO HEAR THE FIRST CALL I MADE IN XX/XX/XXXX TO ENQUIRE ABOUT THE NEW CREDIT CARD AND HOW THINGS WERE PROMISED TO ME.BUT AGAIN, NO ONE BOTHERED TO GET BACK. 
THEY ALSO STARTED CHARGING ME INTEREST WHEN THEY SAID 12 MONTHS 0 % APR. AGAIN I CONTACTED THE CUSTOMER SUPPORT AND THEY TOLD ME THAT IT HAS BEEN ONE YEAR AND SO THERE IS NO MORE 0 % APR BENEFITS. THE JOURNEY WITH BOFA HAS BEEN REALLY FRUSTRATING, STRESSFUL. I HAVE BEEN ON CALLS WITH THEM FOR ALMOST 10-15 HOURS INCLUDING ALL THE CALLS, SPOKE TO MULTIPLE REPRESENTATIVES, MANAGERS BUT NO ONE BOTHERED TO GET BACK TO ME. I HOPE TO GET WHAT I WAS PROMISED AND WANT THIS TO BE PUBLISHED SO THAT BOFA DOES NOT FOOL ANYONE IN FUTURE.
Consumer complaint received 2023-07-14
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. (GA)

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-29
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. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am distressed that Experian have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment and high credit amount reporting inaccurate information. 

Account XXXX XXXX XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Why is high credit reporting XXXX XXXX it should state XXXX XXXX not XXXX XXXX Where is the proof? 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I will sue your company for failing to report inaccurate information and damages caused by your company! You are in violation continuing to report! 

In this complaint accompanies a copy of my current credit report showing proof of the inaccuracies reporting on my credit profile
Consumer complaint received 2017-01-14
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (DE)

Paypal is making it difficult to remove a credit card on file. I added a new card and wanted to remove an old card. I clicked on the remove card option and even after waiting 30 minutes the process has not been completed. This was attempted 3 times XX/XX/2017 at XXXX est. There is no way to find a phone number to call. Paypal does not want to spend any money on tech support so they hid the customer service number. It is far easier for me to file a complaint with CFPB to get them to do this that should only take a few seconds.
Consumer complaint received 2021-12-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage approved my Loan Modification on XX/XX/XXXX, my call history and promised date back to XX/XX/XXXX. Finally got a manager XXXX ID # XXXX on XX/XX/XXXX he promised an overnight the modification paper next day. I waited til XX/XX/XXXX called and talked to operator whom then got me to XXXX ID # XXXX, whom started an email conversation with QNA department to expedite my process. The company acknowledges it knows the law and has up to 45 days to get me my documents for the modification loan. Still didn't get a answer so I called back XX/XX/XXXX and was still stone walled with excuses. I need my modification documents, please help.
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

I saw a debt on my credit report that i do not recognize, I contacted the debt collector carter-young inc on XXXX with that actually being the 3rd request i asked for this debt to be validated and actually send me a signed contract bearing my signature, and I also requested the Dunning letter XXXX They have a legal duty to comply to my request if they cant produce the signed contract then the debt must be removed from my credit report, I also disputed with the credit bureaus as well and it came back verified, so if it was verified then it should be proof that i own this debt and I demand validation of this debt if not then my rights under FCRA, FDCPA has been violated and I demand that the debt be removed from my credit reports immediately
Consumer complaint received 2021-12-29
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. (CA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I am applying for a mortgage. The mortgage company had no problem getting my XXXX and XXXX credit report but can not get my Equifax. They are told the credit file is frozen. 

I called Equifax 3x and thy said there is nothing wrong with my account, it isn't frozen and all my personal information is correct. 

Now I can not get the mortgage because they need the Equifax report. 

What am I supposed to do. Can you make Equifax fix this problem?