davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (CA)

I have disputed XXXX XXXX XXXX ACCOUNT XXXX and they are claiming that the information they are reporting is correct and verified! Even the credit bureaus report that the issue has been resolved according to the creditor. The issue was not resolved and definitely incorrect and has been reported for several years which cost me a lot financially. The mentioned account is a secured credit card for only {$300.00} and XXXX is charging me SEVEN TIMES the original amount! From what I 've read online, according to TILA ( TRUTH IN LENDING ACT ), legally, only 10 % interest can be charged. These incorrect pieces of information they are reporting has damaged my creditworthiness for several years. I could not even afford the interest for new loans. They gravely violated FCRA and TILA.
Consumer complaint received 2017-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My bank card was stolen on late XXXX XXXX early XXXX with a balance in my checking account of {$85.00}. Who ever had the card made a series of fraudulent check deposits on for the amount of {$640.00}. The other for the amount of {$940.00}. I immediately went into the nearest branch and informed them as to what had happened and had the card cancelled and opened a fraud investigation. 
After sometime the bank reversed some of the fraudulent but not the others -- seemingly based on amount. What I would like is the before fraud amount restored to the account ( XXXX XXXX, XXXX NON-CHASE ATM FEE-WITH Fee {$2.00} {$85.00} ) and all other fraudulent activity voided.
Consumer complaint received 2022-05-25
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. (FL)

Experian is currently violating my rights under the Fairs Credit Act. I am a victim of Identity Theft. I disputed a fraudulent account listed on my credit report with EXPERIAN that was NOT made or authorized by me. I filed an official police report with the XXXX Police Department on XXXX XXXX, 2022 ( Report # XXXX ) reporting the fraudulent account XXXX  which I first noticed in XX/XX/ 2022. I also filed an FTC report on XXXX, 2022 reporting the fraudulent account. 
On XX/XX/2022 I received a response from Experian dated XXXX XXXX, 2022. Experian indicated that the fraudulent accounts " XXXX XXXX XXXX '' and " XXXX '' are currently NOT listed on my consumer credit report. However, the account " XXXX '' is still currently listed on my consumer credit report with a balance of {$410.00} ( Account # XXXX. Today after a second dispute with Experian, their results of their reinvestigation of the fraudulent account were The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
They also stated in the notices that We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. However, a copy of my current drivers license, copy of social security card and utility bill was provided to Experian several times. 
EXPERIAN is currently in violation of my rights under the Fairs Credit Act. These violations include ; Reporting inaccurate information on my consumer credit report Failure to comply with section 605b of the FCRA as a result of identity Theft Failure to remove the fraudulent account from my consumer credit report even after providing an official Police Report and FTC Report Failure to conduct a reasonable investigation of the dispute Making false statements to the Florida Attorney Generals office stating that the account is not listed on my consumer credit report Causing financial hardship due to the fraudulent account listed on my credit report Under The Fairs Credit Act, I am entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages.
Consumer complaint received 2021-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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.
Consumer complaint received 2019-06-14
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: Credit Plus Inc (AL)

I mailed a letter dated XX/XX/XXXX about two inquiries that were not authorized from mortgage reporting. I had 1 inquiry that was authorized on XX/XX/XXXX. However, I have two others that were not authorized dating XX/XX/XXXX and XX/XX/XXXX. I never received a reply from the inquiry letter I sent either.
Consumer complaint received 2019-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (FL)

Receive on average two calls per day asking if I am -some person 's name- and if so press! otherwise I am to ignore call. The name changes on each call and is never mine. This has been going on for several months now. My phone number has been on the national do not call list since XX/XX/2018. I have no debts except my mortgage which has never had a late payment.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (CA)

I received a XXXX XXXX from Square with my name on it, correct address, etc. 

I do not, and never have had, a Square account. When I called to ask them why I got this they cancelled and were very cordial, but I have no idea why this would've been sent to me, and don't see any glaring signs of fraud / identity theft with other accounts. Looking online it was recommended I file a note with the CFPB to review- it appears I'm not the only person this has happened to.
Consumer complaint received 2021-12-14
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. (CT)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a XXXX XXXX XXXX was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OH)

XX/XX/XXXX {$140.00} ATM withdraw no cash dispensed XX/XX/XXXX {$200.00} ATM withdraw ATM jammed didnt dispense cash Both charges were disputed one was issued a provisional credit which was reversed by the financial institute The other was denied multiple times
Consumer complaint received 2021-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit AmeriFirst Holdings, Inc. (MD)

I had a home improvement loan with Amerifirst. This loan was established in XXXX with XXXX and XXXX XXXX XXXX. The loan apparently was transfered to Amerifirst sometime after XXXX. I'm not exactly sure why or how but this is the company that I have made home improvement payments to. The original loan was between my husband ( now deceased ) and myself. I have made the payments the entire term of the loan agreement.. I am at the end of the debt and have made what I believe was the last principal payment which included interest. The XX/XX/XXXX statement reflected that the principal balance owed was {$160.00}. However the bill was for XXXX, which was my monthly payment. My principal balance owed was less than my monthly payment, but my monthly statement didn't reflect that. Once I made the payment in full, the statement reflected that I had a balance of {$2.00}. I attempted to make that payment and the Amerifirst online system would not accept anything less than {$25.00}. There are multiple issues going with my complaint. 1 ) My first problem is that I am disputing what Amerifirst claims that I owe over {$500.00} in service fees. 2 ) Secondly, Amerifirst hired another company to manage their online billing. The company did not provide statements or account balances until perhaps enough customers complained for months. 3 ) I was assessed a late fee of {$17.00} on XX/XX/XXXX after paying the principal balance in full on XX/XX/XXXX. 4 ) I received a call from a representative from Amerifirst and was told that the call was being recorded that if I did not pay the service/late fees this loan would be charged off as a bad debt. After paying off the debt in full. I have communicated in writing and over the phone with this company.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (SC)

Upon using cash app, I have mistakenly sent money to maybe XXXX or XXXX different people and have requested my money back as they told me to. Upon requesting it back XXXX incident occurred where the person did try to send the money back and cash app blocked it and they denied the claim. They also close down the other parties cash app as well as with their money still in there. They block their account as well with their money still in the account. This person is now not able to get their money or send me any money as well it is. I file a dispute. It gets denied! I read in there policy that when money is sent to the wrong person, its up to the bank to agree to return the money back to the center. I have been told that they are not allowed to do that that thats not in their policy and then again they arent allowed to do that.
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (FL)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-05-25
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. (FL)

Experian is currently violating my rights under the Fairs Credit Act. I am a victim of Identity Theft. I disputed a fraudulent account listed on my credit report with EXPERIAN that was NOT made or authorized by me. I filed an official police report with the XXXX Police Department on XXXX XXXX, 2022 ( Report # XXXX ) reporting the fraudulent account XXXX  which I first noticed in XX/XX/ 2022. I also filed an FTC report on XXXX, 2022 reporting the fraudulent account. 
On XXXX XXXX, 2022 I received a response from Experian dated XX/XX/ 2022. Experian indicated that the fraudulent accounts " XXXX XXXX XXXX '' and " XXXX '' are currently NOT listed on my consumer credit report. However, the account " XXXX '' is still currently listed on my consumer credit report with a balance of {$410.00} ( Account # XXXX. Today after a second dispute with Experian, their results of their reinvestigation of the fraudulent account were The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
They also stated in the notices that We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. However, a copy of my current drivers license, copy of social security card and utility bill was provided to Experian several times. 
EXPERIAN is currently in violation of my rights under the Fairs Credit Act. These violations include ; Reporting inaccurate information on my consumer credit report Failure to comply with section 605b of the FCRA as a result of identity Theft Failure to remove the fraudulent account from my consumer credit report even after providing an official Police Report and FTC Report Failure to conduct a reasonable investigation of the dispute Making false statements to the Florida Attorney Generals office stating that the account is not listed on my consumer credit report Causing financial hardship due to the fraudulent account listed on my credit report Under The Fairs Credit Act, I am entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

i applied for the citi business credit card saturday the XXXX of XXXX when i spoke to a rep  today XX/XX/2021 i informed i was denied. for me that is a shock because i had a XXXX XXXX  & a XXXX XXXX score for business credit. when spoken to a rep after a 2 hour hold and transfer process i was told i opened to many new accounts on my XXXX that is felonious i literally have one inquiry before this one from XXXX. i will add my current credit report below. just because you are a commercial bank does not give you rights to lower my credit score with a hard inquiry & deny a more then copiable applicant.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (FL)

Customer ordered appraisal with TD Bank and was charged for the appraisal. Customer decided to proceed with another mortgage company who proceeded to get the appraisal transferred. After numerous hours on hold and several unanswered emails TD Bank finally sent loan officer email about a week later stating that TD Bank does not transfer appraisals.
Consumer complaint received 2021-12-14
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. (VA)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Consumer complaint received 2021-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Consumer complaint received 2023-02-06
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-11-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX XXXX respond to the complaint, and only resolved 1/2 of the problem. BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to XXXX on 7 occasions ). This ongoing issue with XXXX is hurting our credit score and the ability to get a mortgage. 
Below is the email that I sent to XXXX on 4 occasions, going back to XXXX, 2017. 
Hello XXXX, Once again thank you for sending the summary / account activity report on our account. 

Please note the following as to our account. 

We have been and continue to make two payments per month. Each payment is for {$1200.00}. We have been making these two payments per month for over 2 years. 
Per your predecessor, XXXX XXXX XXXX, your company did not process the two payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account.
The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. 
In closing the following corrections should happen to our account. 

1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments.
2. Our account should not show ANY late payments.
Thank you in advance for correcting these errors on our account. 

Please feel free to contact me with any questions. 

Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!!