davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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. (SC)

There was technical issues with the auto payment set up for my credit card, so the payments were taken out, but then credited back to the card. I called as well as emailed the bank about this issue and was told to just re-input the account information and it should be fine, but it still did not fix the issue. I even tried making one time payments and bank transfers but it was denied each time, even though there was more than sufficient funds in my bank account. I also did not receive notice that the credit card account was in default until a few days before it would be considered late, and by then it was the weekend, so I could not go in or contact the bank until monday, which by then the payment would be considered late. I explained to them that I did everything I could to fix the issue before the payment would be considered late, but I also had no way of knowing their systems would have issues and cause my account to go into default. I was told by the credit union that I should have kept a close watch on my account, but then why is auto-pay given as an option to avoid late payments if I'm going to be told I have to check my account constantly to make sure it gets paid, even with auto-pay set up and on. I also did everything I could to remedy the issue before it was late, but the credit union did not give me sufficient notice, nor sufficient help in ways to avoid the issue of late payment.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX # XXXX Reporting late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and XXXX reporting late XX/XX/XXXX Equifax XXXX XXXX XXXX reporting late XX/XX/XXXX XXXX and XXXX In Accordance with the Fair Reporting Act these creditors has violated my rights under U.S.C 1581 section 602 states I have a right to privacy 15 USC 1681 Section A ( 2 ) consumer reporting agencies can not report an account without my written instructions 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
I have made at least 3 attempts to solve this issue before reporting to you XXXX and XX/XX/XXXX
Consumer complaint received 2023-07-17
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. (NC)

I reviewed my consumer reports and noticed I had late payments on accounts that I was never late on. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these were late. 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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts and delete the following late payments from my report XXXX, Equifax and XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. Even after uploading proof should be deleted, they still remain on the bureau illegally. 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 2023-03-08
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. (CA)

I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with fair credit reporting act this creditor has violated my rights. 

Under 15 USC 1681 sec 602 : States i have rights to privacy.

Under 15 USC 1681 sec 604a sec 2 : States a consumer reporting agency can not furnish any information without my written consent. 

Under 15 USC 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. 

THE FOLLOWING ACCOUNT FROM XXXX XXXX ACCOUNT NO. XXXX SHOWED THAT I WAS LATE 30 DAYS IN XX/XX/2021 WHICH IS IN ACCURATE.
Consumer complaint received 2023-03-08
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. (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 2021-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M&T BANK CORPORATION (MD)

I have been contacted repeatedly by M & T bank about an amount I owe to them from an account that was never opened by me. My account with them was closed in 2020. They have reported this debt to collections, lowering my credit score!
Consumer complaint received 2023-03-08
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 XXXX is reporting an inaccurate repossession on my reports that I have been disputing for some time now. 

I have contacted them numerous time requesting all documents and information pertains to this debt. I sent them debt validation requests on XX/XX/2021 and XX/XX/2021. It has been well over 30 days and still no response. 

Furthermore, they re reporting inconsistently and verify invalid information between the credit bureaus. How are they able to verify inaccurate information and not respond to my disputes? If they have not replied to me I know they have not sent any valid proof to the credit bureaus concerning this debt. 

It is the consumer reporting agencies responsibility to acknowledge and respond to any and all dispute request and XXXX XXXX is in violation of my right to dispute. I am demanding that this account is deleted from my reports and all documents concerning this account is mailed to my address.
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (MI)

PNC Bank has stated that the State of Michigan needs to request funds back from deposits that were made in the name of XXXX XXXX. The XXXX states this is not something that they do and if the funds that were deposited were for an individual that was not on the account, they should have been returned back to the originator initially. PNC allowed several deposits to post for several months and is now refusing to return funds that were for the account holder as well as the person who had been receiving the funds. Account owner has attempted to contact PNC bank and the XXXX several times regarding this matter and not only has PNC refused to simply return all funds to the sender, they have stated that due to the funds that were posted, the funds that were also posted for the account holder will not be returned either.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (TX)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since my last dispute Transunion continues to retaliate against me Transunion refuses to give me access to my credit report Transunion refuses to provide my credit score Transunion keeps preventing me from disputing incorrect items : 1-Phone Number ( XXXX ) XXXX -- - not my phone must be Deleted 2- C/O XXXX XXXX XXXX XXXX XXXX {$540.00} -- -- Not Mine must be Deleted XXXX XXXX XXXX XXXX XXXX {$970.00} -- -- -Not Mine must be Deleted While XXXX and XXXX Deleted these incorrect information Transunion Refuses to Provide Details about Validity and Authority to collect this debt.

1. My signature on the contract for this debt 2. Chain of title for this debt 3. Chain of title that gives XXXX XXXX XXXX XXXX XXXX XXXX XXXX  legal authorization to collect on these debt. 
. 
6. Any and ALL insurance claims filed on this debt 7. Original signed contract that shows I am responsible for this debt 8. My credit application for this debt 9. Provide verification and documentation about why this is a debt that I am required to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  10. Proof that you have the legal authority to collect on this debt 11. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor.

12. Provide a copy of the written agreement that created my original requirement to pay? 
13. Does XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXhave a debt collection license from my state? If not, say why not. 
14. If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

15. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place?

16. If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (IL)

I recently got scammed by a friend. I was in need of some financial help, so he wrote me an echeck. I thought the check was legit turns out it was not, and he was part of a new scam. Unaware of this and being too trusting I deposited the check, only to receive an email that my bank accounts are closing, as a result of this my credit score dropped significantly. This all occured on XXXX XXXX, 2023. I asked the bank to keep my account open as I am a victim of a scam as well, I have a constant deposit into the bank and good standing with them.
Consumer complaint received 2023-03-08
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. (MD)

I have reached out three times over the last three years, requesting information be suppressed, that were made on my account fraudulently. I complied with all FCRA guidelines, regarding what I needed to send in, including, but not limited to a identity theft report. The credit bureau has not acknowledged receipt of the suppression request ; have not given me a reason as to why the suppression has not been granted, nor communicated with me, within the legally obligated 4 days. I have certified receipts of the mail being delivered as of XXXX 7-8 business days ago. This is the exact non-response from XX/XX/XXXX, and XXXX
Consumer complaint received 2021-01-02
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: EQUIFAX, INC. (MA)

XXXX and XXXX have not investigated my dispute and added a false comment on my file for the below account. 

" XXXX  didnt review this item because you asked them to cancel it. If you changed your mind, contact XXXX  '' file number XXXX Completed on XX/XX/2020. 
Also when I try to dispute this again I got a pop-up message : XXXX  didnt review this item because you asked them to cancel it. If you changed your mind, contact XXXX  ... I never cancel this dispute!
Consumer complaint received 2023-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (CA)

I received a credit report alert from my personal bank on XX/XX/XXXX of a new inquiry on my account with all three credit bureaus. I logged into my XXXX account to see a debt collection on my account. The debt was placed on credit report on XX/XX/XXXX. I have no knowledge of this debt and was never notified by the debt collector. I immediately file a dispute with XXXX of " no knowledge '', which XXXX refused to assist. Stating the debt collector said the amount owe and debt was accurate and verified. My question is my whom? I was not made aware of any debt from the debt collector or original creditors. I was able to file a dispute or complaint in the allotted due to the debt collector 's failure to notified me prior to XX/XX/XXXX.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Payfare International Inc. (NY)

At XX/XX/year> at XXXX XXXX i am make the purchase at XXXX store for amount of XXXX XXXX and first one transaction was declined of system problems, them i was pay second time. I have the recipe on my hands that shows, that i have two transactions and the first one was declined. So i pay only once, and the XXXX of the XXXX provide for me XXXX journal report, that they charged me only once for my purchase. But the dasher direct bank charged me twice. Them i call them many times, and they ignored me/dont want solve the problem/dont want to listen to me. And every time just hanging up the call. I have the recipe of purchase and the store payment report on hands. The store didnt charge me twice. There is a problem on the bank side on dasher direct bank of doordash organization. They totally ignored me and dont even want try to solve this situation
Consumer complaint received 2023-03-08
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. (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX computer system inaccurately reported a " XXXX XXXX XXXX '' for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it to be corrected as he agrees it was NEVER late! XXXX  XXXX has uploaded the corrected information TWICE asking Experian to correct the error of XXXX XXXX XXXX. This process started XXXX XXXX XXXX ... ... ... ... XXXX Tuesday, XX/XX/23 I receive email ; from Experian saying my dispute has been updated, only to see that they ( Experian ) only updated the outstanding loan balance and did not correct the XXXX XXXX late. I've called weekly only to be told to wait XXXX XXXX ... .here we are, XXXX XXXX later, still not corrected. I filed a " SECOND DISPUTE '' inorder to correct the first dispute and to call Experian only to get the runaround. My lender is more than willing to talk to anyone to get this corrected, XXXX a very large line of credit with an XXXX lender and if they see this inaccuracy, I XXXX be out of a lender and out of business, HELP!!! Call me, email me, I need help to get this done. I asked to speak with an Experian supervisor, after XXXX minutes I was transferred, then call disconnected, accomplishing nothing!!!! I'd love to sue them, if I was an attorney. Thank you for your time. XXXX XXXX XXXX # XXXX XXXX XXXX
Consumer complaint received 2019-09-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I wish to file a complain regarding the results of the investigation completed by XXXX XXXX which was completed earlier this month. In Mr. XXXX response, he made a false and/or misleading statement. He acknowledge receipt of my RMA on XX/XX/2019. He claimed that the reason for not reviewing my request for mortgage  assistance was because Chase did not receive my application the required number of days before the foreclosure date on XX/XX/2019 According to my records, the document was sent XX/XX/2019. But that is not a big concern. My concern is that my RMA was not reviewed at all. In a phone call to my previous dedicated manager, which is recorded. He said my application was not reviewed at all. He referenced notes on my account from an earlier call from the 1st week in XX/XX/2019. When the letter dated XX/XX/2019was received, I knew it was a fictitious document sent by Chase to pretend that they are in compliance with rules and regulations. In addition, Mr. XXXX in his investigations indicated that if my situation has changed for me to call XXXX for assistance. Well my situation has changed, and I will be reapplying for assistance in leaving the property. I have attached correspondence received from Chase today.
Consumer complaint received 2021-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

I am un essential worker affected by XXXX XXXX pandemic I was very sick not able to work, speak and eat for several time, My wife contacted credit card banks on my name by phone on XXXX XXXX requesting help with payments assistance with my auto loans and credit card payments because XXXX XXXX pandemic effected me. Home mortgage and auto loans banks and credit cards creditors help me with this request and agree to put my accounts of a DEFERMENT plan FOR 3 MONTHS I was happy with this. BEFORE BEEN INFECTED WITH XXXX XXXX I NEVER WERE LATE ON MY PAYMENTS I HAVE 100 % ON TIME PAYMENTS RECORD. all my family XX/XX/XXXX with this XX/XX/XXXX our economical situation was very bad we only can be thinking in how to fill better to return at work nothing more. 
Later I found a very unexpected notice my credit cards. CHASE XXXX, XXXX XXXX XXXX AND XXXX THIS THREE BANKS reported late payments on my credit reports Missing payments on XXXX, XXXX and XXXX I mailed several dispute letter to credit report agencies XX/XX/XXXX, XX/XX/XXXX and to my creditor but they don't want to correct this wrong information they want me to prove them when I called to request help how can I prove it do I have to record every calls? AT THIS TIME I PAID ALL MY LATE PAYMENTS I AM NOT BEHIND I just want to update my account same status It was before differed payments plan I KNOW I am protected by CARES ACT I LOOSE A VERY GOOD JOB OPORTUNITY BECAUSE THIS WRONG MARKS ON MY CREDIT REPORTS I am looking for legal advice to move this to a court room if this banks don't correct this in 30 days. 
Thanks
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MI)

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. which is false and misleading.

These alleged late payments have not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX Application ID XXXX They refused to approved me for a credit card base on false information from XXXX, TransUnion, and XXXX. 
They say that based on my application they can not approved a credit card because my application is incomplete which is not true. If you dont complete the application it does not goes through because I did it on line. The say false statement like frequent delinquency what does not show you what? False statement in my credit report and old statement in my credit report. Length of time revolving account have been stablished. What revolving account if I dont have a credit card. I was a victim of identity theft.