davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-06
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. (AL)

I applied for a car and was not approved. There are accounts on my credit that I dont know anything about. Please remove these from my credit XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX. I also saw some inquiries as well I dont know about XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I received a XXXX payment for a item i sold online the person send me the money i received item was shipped XXXX customer received and loved it a month later TD holds the funds as reclamation and its been pending in my account for almost 3 months now
Consumer complaint received 2023-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

I've tried three times to resolve this dispute with Chase bank. Chase continually sides with the merchant even with the evidence I have provided that XXXX is not abiding by their own policies. 

In the paperwork that Chase has sent to me, it clearly states on page 6 that XXXX allows 24 hours for cancellation for non-refundable purchases. Yet somehow, remarkably, Chase has failed to read the paperwork themselves and see that I made the purchase on XX/XX/2022, and I tried cancelling on XX/XX/2022 and I am within the 24 hour period. 

Chase 's failure to read through the paperwork has now caused this escalation to drag on unnecessarily for five months and is in no way indicative of their responsibility to consumer protection.
Consumer complaint received 2020-01-06
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-02-05
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. (MO)

Incorrect balance reported on my XXXX XXXX XXXX XXXX. Its being reported from old info Im over my credit limit. See attached STATEMENT
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I got a alert on my XXXX XXXX  that a inquiry was made that I did. Not consent to XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX  were fraudulent inquiries and need to be removed from my credit report
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (SC)

Collections showing on account after disput and proof provided that accounts were ex spouses and not mine. 
Collections showing amount owed when account is closed. 
XXXX loans showing when they have been paid and XXXX balance. 
Medical bills that were covered by insurance and provided all documentation
Consumer complaint received 2020-03-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: POPULAR BANK (MI)

Had 2 Home Equity Loans through E-Loan, one XX/XX/XXXX ( Liber 3075 Page 904 ) and one XX/XX/XXXX ( Liber 3151 Page 336 and Liber 3428 Page 169 ). Both loans were paid off but only the XX/XX/XXXX loan that was transferred to MERS and XXXX XXXX shows a certificate of discharge and was recorded with the Register of Deeds. It appears that XX/XX/XXXX loan was transferred to XXXX, from the statements I have showing I paid it off with a check number XXXX. I contacted both XXXX and E-Loan, beginning in XX/XX/XXXX and in XX/XX/XXXX and XX/XX/XXXX to resolve the XX/XX/XXXX and XX/XX/XXXX loans still showing outstanding on my title so they could be recorded as paid off with the Register of Deeds. In XX/XX/XXXX, MERS and XXXX XXXX sent certificates of release for the loan dated XX/XX/XXXX to the Register of Deeds for recording. The XX/XX/XXXX loan continues to show on the title in Liber 3075 Page 904 even though it was paid off XX/XX/XXXX by me. When I send them copies of the payoff information, they still reference the XX/XX/XXXX loan that was released in XX/XX/XXXX. It's like they don't read the documents I have submitted showing the two different loan numbers under the different Liber and Page numbers. I have been trying to refinance my house since XX/XX/XXXX and have been unable to because of the XX/XX/XXXX loan still showing outstanding on my title when it was paid off. They both have received all of the attachments I will be forwarding with this complaint but I still have not been able to get a resolution to this. There were two different Home Equity Loans, one paid off through MERS and XXXX XXXX and one paid off by me.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

All credit bureaus have outdated information of personal information. The only valid information is as follows : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XX/XX/1988 or XX/XX/1988 or XXXX XXXXXXXX XXXX
Consumer complaint received 2020-03-06
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. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off of {$4100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have not now, nor in the past, ever had an account with XXXX XXXX. This false reporting of a charge-off account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I am writing to express my frustration and disappointment with the handling of the correction process for a late open account on my credit report. Despite my initial efforts to rectify the situation, the inaccurate information persists, necessitating a second attempt to correct the record. 

To my dismay, the correction process failed to resolve the issue, and the inaccurate late open account remains on my credit report. This oversight has had adverse effects on my credit standing and has undermined my efforts to maintain a positive financial reputation. 

As a result, I am compelled to submit a second dispute in the hopes of finally rectifying this error and ensuring the accurate reporting of information on my credit report. I have attached copies of all relevant documentation, including statements and correspondence with the creditor, to support my claim and expedite the resolution process. 

I urge your agency to prioritize the prompt investigation and correction of the inaccurate late open account on my credit report. It is essential that all necessary measures are taken to ensure the fair and accurate reporting of information to prevent further harm to my creditworthiness and financial standing. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance Owed : {$20000.00}.
Consumer complaint received 2020-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc. (CA)

XXXX XXXX  defaulted my XXXX  account using unfair and deceptive practices by failing to deliver billing statements, failing to notify me of an issue, and not providing any notice of late payments or account delinquency. In speaking with XXXX XXXX, they claimed my initial statement was returned to sender. I have verified with them that they have had my correct address on file the entire time. They made no attempt to contact me via mail, email, or phone to resolve the issue or confirm my correct address. XXXX also made no attempt to contact me about issues with my address or account. My account was then sent to collection with Client Services  without notification. Client Services  was able to send me the debt collection notice to the address XXXX XXXX  and XXXX had on file. I have not received one statement, late payment notice, or account delinquency notice from XXXX XXXX  or XXXX. This account delinquency has had a major negative impact on my credit score. The account I was very willing to pay, is now in debt collection because of XXXX XXXX XXXX  and XXXX XXXX actions.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

In XXXX of XXXX, I received an American Express Rewards card in exchange for being bumped from an oversold flight from Delta Airlines. 

To be sure of when I could use the card, I searched americanexpress.com and other sources. All the information found online about " American Express Reward Card Cardholder Agreement '' says : -- -- Begin Quote -- -- FUNDS DO NOT EXPIRE The funds on the Card do not expire. 

VALID THRU DATE The " valid thru '' date on the front of the Card is the date through which your physical plastic card may be used. This date is required to process transactions at merchants that request a plastic expiration date. Even if the " valid thru '' date has passed on the Card, its Available Balance remains unchanged and intact. If an Available Balance remains on the Card after the " valid thru '' date, call XXXX to obtain a replacement Card or for instructions on how to redeem the Available Balance. 
-- -- End Quote -- -- I found the above quote in many, many links from americanexpress.com,  including but not limited to : https : //www.americanexpress.com/us/prepaid/gift-cards/terms-and-conditions.html https : //www.americanexpress.com/us/customer-service/faq.gift-card-expiration.html https : //www.americanexpress.com/us/prepaid/gift-cards/Reward-CHA.html https : //balance.amexgiftcard.com/using-your-card ( see Attached printouts of those pages ). 

After an exhaustive search, I never found anything to contradict the quote above so I had no reason to doubt that my card could be replaced with a new expiration date. The expiration date on it is XX/XX/XXXX, which was 6 days ago. 

Today, I want access MY money and they tell me that it is expired and there is " nothing they can do '' as they have created some sort of exception to this card. I escalated the call as high as they let me escalate it ( XXXX, manager from Guest card Services, she said they are not allowed to give last names ) but did not solve my problem. 

This is false advertisement. I only want to access funds that belong to me. 
I am XXXX and this is causing undue stress in my life. I counted on that money to pay for my expenses. Not that this should matter but I am an American Express customer with a high limit and a FICO credit score over 810. 

I expect American Express to do better and make this right ASAP!
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days past due on the DPT ED/XXXX and US DEPT OF ED accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX XXXX I have contacted XXXX and Transunion requesting verification in regards to the accounts that are listed in an open status. { XXXX and XXXX XXXX } My report has since been updated with the current year showing the accounts are still showing open. The company that they are getting the information from is reporting inaccurate information.
Consumer complaint received 2020-03-06
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. (WV)

I contacted XXXX XXXX to dispute information on my credit report. There is two things that need updated. They have not updated them with the credit reporting bureaus. I need that updated ASAP. One XXXX XXXX credit card should be removed from my credit report as I am no longer an authorized user and the balance should be update on the other one to {$24.00}.
Consumer complaint received 2020-03-06
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. (WV)

I contacted XXXX XXXX to dispute information on my credit report. There is two things that need updated. They have not updated them with the credit reporting bureaus. I need that updated ASAP. One XXXX XXXX credit card should be removed from my credit report as I am no longer an authorized user and the balance should be update on the other one to {$24.00}.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the accounts listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to these accounts. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-02-05
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. (IL)

i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate past due balances violation to Metro 2 PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS- # 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 A ACCOUNT WITHOUT A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED - Also Never received 1099 C?
Consumer complaint received 2022-02-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLIANT CREDIT UNION (NY)

Received communication from Alliant that my request to open a savings account was denied because they were unable to verify my identity. I never applied for this account. 
I contacted Alliant, and they noted that this was a fraud, and took care of it on their end.
Consumer complaint received 2023-05-11
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. (CT)

I have items on my report that should have been remove due to improper use from a identity theft that has taken place This has greatly affected my life health and financial responsibilities I am unable to get approved for a house car or any kind of credit card This is affecting my mental health
Consumer complaint received 2020-03-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP (TN)

On XX/XX/2020 Security Finance of XXXX contacted my mother ( I am XXXX years old so definitely not a minor ) because she was on my reference list. They then disclosed exactly how much was overdue on my account and how late it was behind. My understanding is that this disclosure of information is illegal since I am not a minor. I have not given them permission to discuss my account information with anyone other than myself.
Consumer complaint received 2020-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (NY)

Received a bill from Balanced Healthcare Receivables at  the beginning of XX/XX/2020. I called XXXX XXXX at the number to tell them to cease and desist or I would contact CFPB. They said okay. I was fine with this acknowledgement. However, after contacting the originator of the healthcare fee listed on document to follow up, XXXX Hospital, the Hospital billing department told me that I had a {$0.00} balance. That made me think that this mailing was a scam so I wanted to contact you regardless.
Consumer complaint received 2020-03-06
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. (FL)

I contacted all three ( 3 ) credit bureaus numerous times in regards to my social security number being compromised. I have let them know each time that I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX via the XXXX XXXX police department. I have been advised they may contact them at ( XXXX ) XXXX to verify the report and have informed them of this in each request. I have asked each time for them to remove and block all information from my credit report that I included in each request, and to send me a copy of my credit report proving they have done so. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX  - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Opened XX/XX/XXXX XXXX XXXX Credit Card - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX BANK XXXX XXXX  - XX/XX/XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX/XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX I asked them to remove and block all information resulting from identity theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within four ( 4 ) business days of receipt.

Again, I also asked them to please send an updated copy of my credit report at no charge as the act says there should be no charge for this updated report. I also requested that they please send notices of corrections to anyone who received my credit report in the last six months.

The only responses I have received are generic responses saying these items have been validated. I have requested numerous times for them to provide proof of how they obtained validation and have received no response.

According to the Fair Credit Reporting Act, Section 609 ( 1 ) ( 1 ) ( A ) they are required by federal law to verify, through the physical verification of the original signed consumers contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account.