davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
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. (FL)

On XX/XX/XXXX i contacted Transunion about several inaccurate accounts on my credit report. Transunion used their stall tactics about things i needed to do. I let them know that I am also a victim of identity theft and to remove all of the inaccurate info including incorrect addresses, and accounts. The accounts are as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I sent in several copies of my Drivers License, with the correct address and transunion still have yet to remove any accounts. They have stated the accounts were verified but have not sent me anything verifying the alleged debt is mine. 
According to 15 USC 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation " any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act.
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I attached a Chase Freedom credit card to my XXXX account to make payments. When I make a payment, I am asked to agree to a 3 % charge before proceeding and I agree to that. 
When I received my latest credit card statement I saw that for each XXXX payment I made, a {$10.00} fee was charged. ( This month {$60.00} in fees. Next month 's statement I saw online there were {$110.00} in fees ). I did not agree to these fees and was unaware that I would be charged. 
I called the credit card and customer service told me that I would have to contact XXXX because they made the charge as a cash advance. The agent told me that Federal regulations would not allow him to reverse the fees. 
I contacted XXXX and was told that I would need to contact the credit card compant regarding the fees as they are who received the fees, not them. 
I called Chase Freedom again and a customer service agent told me that he could give me {$13.00} toward the fees. I declined as I believe all of the fees should be returned. He said he could not do that. I asked for a superviser and she told me that she " was not allowed to waive the fees ''. 
Had I known about these exorbitant fees I never would have attached my credit card to my XXXX account. Needless to say, I will no longer use XXXX as a means to pay others.
Consumer complaint received 2023-03-09
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-09
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (MA)

On XX/XX/2020 I received a phone call from Credence Resource Management LLC, claiming I have a debt of {$3200.00} with them. I called my insurance company since it was from an ambulance service on XX/XX/2020. My insurance company said that it was grounds for an investigation because I had coverage from XXXX XXXX XXXX and XXXX for that date in question. This company, Credence Resource Management was very incisive and offering immediate plans to pay by credit card the supposed debt. I'm very surprised I didn't get any notifications from the ambulance company or my medical insurance. Today, I received a letter with the same information given above. I would like to know my right to appeal or how can I resolve this matter.
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hello, I have Opened 2 Account with bank of America, and the When i get bounced checks, they will charge me The fees of bounced checks and over drafts many times-maybe 5 or more times until i bring the balance above, and when I have compained about it they closed my both account.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I do not understand why this is so difficult. I provided my driver license and a copy of my passport with my other complaints to CFPB. 
Now I look at my transunion report and they have the wrong date of birth. They have XX/XX/1971. As shown on the submitted documents it is XX/XX/1971. It was always correct before but now all of a sudden it has changed. Do I need to get a attorney to handle this? This is crazy! This is taking hours, days, weeks even months of my time.
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (AZ)

I am making additional principle payments to my account and BSI financial services continues to apply them towards future payments in lieu of reducing the principle of the loan. 

I made the following payments that were not applied correctly : XX/XX/2021 I made a {$1600.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$1000.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$4300.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$4300.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$50000.00} payment that was not applied towards principle on that date
Consumer complaint received 2022-10-30
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. (PA)

I been recently pulling my credit to make sure it's in good standing to purchase a home. So, I've come across some errors. I initially called the 3 agencies to have these accounts removed which wasn't much especially since I really don't have many things in my name. 
items weren't removed in which I filed another dispute. Once it was supposed to been verified, I was then told to file an FTC report which I did. Still not removed. Also, on the credit report it shows the accounts were sold which I'm told that's illegal. when I reached out to the creditors i got no response, yet when the credit agency reaches out the accounts get verified. But I know verified doesn't mean validated, and why can't I get anything that's verified by me? The accounts have no payment history listed, and if the account was wrote off why is money still trying to be collected, furthermore even if the account was XXXX mines I was never reached out to, so I never even knew this was put in my name. One account shows it was paid for a few months but when I ask for proof of the card use, bank account, address etc. or the original contract I supposedly signed but I can't get any of this info. Validation letter for the creditor has also been sent. And all mail was certified which I was told there was a 30-day time frame to respond. I have all the violation that have been broken against me listed which have been pointed out by a professional but I'm trying to handle this in the most simple way. 

XXXX XXXX XX/XX/XXXX {$480.00} owed but limit was {$300.00} XXXX  XXXX XXXX XX/XX/XXXX {$450.00} owed but limit was {$300.00} XXXX XXXX XXXX XX/XX/XXXX {$450.00} owed but limit was {$300.00}
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My loan service company, NewRez, has not paid my property taxes from my escrow account and continues to ignore my inquiries about the same. Last year they paid the taxes on the same property on XX/XX/2019 so theres no excuse for not paying the taxes this year.
Consumer complaint received 2020-12-29
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: Persolve, LLC - Legal - Series 2 (IL)

On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were INNACCURATE. Under federal law, you have thirty ( 30 ) days to complete your investigation. It has been well over 45 days, almost 2 months.
Consumer complaint received 2022-10-30
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. (TX)

I have been requesting information from XXXX XXXX be removed from my report. They removed 2 accounts from my credit due to not be able to verify them, but they recently added them back which is illegal. Once something is removed you can not add it back. They did this on my XXXX report between XXXX and now. For account beginning XXXX, on my XXXX it shows the account was opened on XX/XX/XXXX and show date of last activity as XX/XX/XXXX and the original creditor as XXXX XXXX  and on my XXXX, it shows Date opened as XX/XX/XXXX, date of last activity XX/XX/XXXX. This is definitely not my account and is blantantly obvious that it is inaccurate. How can an account be opened on XX/XX/XXXX with the date of last activity showing as XX/XX/XXXX. I submitted a previous dispute with XXXX XXXX due to the fact that this was not an account of mine and because XXXX  has not been accurately reporting my accounts and updating my report. On my experian report this same account is showing date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. I ask that they verify and validate this account by providing an original contract with my handwritten signature. The next account with XXXX begins XXXX. On my XXXX report it shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. For experian this same account shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. The same account shows on Experian with a date opened on XX/XX/XXXX, date of last activity XX/XX/XXXX. You can not have a date of last activity that comes before the date the account was supposedly opened. This company has been purposely padding my reports with incorrect information. The more I dispute the inaccuracies, the more they pad my reports with fraudulent activity. The next account begins with XXXX with XXXX. On my XXXX it shows the account was opened on XX/XX/XXXX, date of last activity XX/XX/XXXX, on Experian it shows date opened XXXX and date of last activity XX/XX/XXXX and for XXXX it shows date opened as XX/XX/XXXX, date of last activity as XX/XX/XXXX. This is not my account as I have stated in every single dispute. This should show that they are inaccurately adding information to my report. The next account begins with XXXX on my XXXX report that shows date opened as XX/XX/XXXX and last activity as XX/XX/XXXX. Another account that is not mine. They did not even list the original creditor which proves they are adding information to my account that is fraudulent. None of these accounts have been verified and validated with the original contract with my handwritten signature.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-03-07
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 the Fair Credit Reporting Act XXXX XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also stated a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit account under an open-end consumer credit plan as late for any reason
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep dissatisfaction and frustration with the repeated unsuccessful attempts to remove charge-offs from my account. Despite multiple requests and efforts on my part, these charge-offs persist on my account statement, causing significant distress and inconvenience. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these charge-offs. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the charge-offs remain unresolved. 

It is extremely disheartening to see that despite my repeated attempts and persistence, the charge-offs continue to negatively impact my financial standing. These unresolved charge-offs not only affect my credit score but also hinder my ability to access financial products and services. 

I have made several calls, sent numerous emails, and submitted multiple written requests in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of charge-offs on my account have left me feeling frustrated and disillusioned. 

As a valued customer, I expect prompt and effective resolution to any discrepancies or errors on my account. The repeated failures to address this issue reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all erroneous charge-offs be promptly removed from my account, and that measures be implemented to prevent any recurrence of such errors in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the charge-offs on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution. I am asking for your assisstance to remove these accounts in my credit file XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$20000.00}.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

This complaint is to inform the CFPB that XXXX and Equifax are being uncooperative in removing an old account that was sold to another debit buyer. 
The XXXX XXXX XXXXi has sold the following accounts to XXXX XXXX. Account number XXXX. 
Partial account number XXXX When a consumer has multiple collections for the same account listed on their credit report it is considered double jeopardy. This can happen when the debt is being reported by both the original creditor and the collection agency on your credit report or when the debt is sold to another collection agency. By law, this is considered fraud. And XXXX and Equifax are enabling this illegal act.
Consumer complaint received 2020-07-10
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. (MI)

This was not my account. It was closed XXXX  years ago. There is no way they could Verify this account. I have asked to remove it. They have lied and said it was verified. That is not possible. Over XXXX years old. XXXX XXXX Account Name XXXX Account Number Credit card Account Type Individual Responsibility XX/XX/XXXX Date Opened Paid, Closed. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$300.00} Credit Limit {$290.00} Highest Balance NA Terms XX/XX/XXXX On Record Until - Balance Updated -
Consumer complaint received 2022-10-30
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. (MI)

I have over 30 credit being reported on my personal credit reports. I have tried numerous times to get them removed. I've even hired credit repair agencies, still those 30+ unauthorized credit inquiries remain on my report. I pray the XXXX can assist in clearing these fraudulent inquiries off of my report.
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (OH)

A payment for a fitness facility was taken when the pandemic dictated they be closed. Per their CEO and website, the facility advised the accounts would be reimbursed. When the next billing cycle arrived, the credit did not appear. I was then advised it would occur on the first billing cycle after the facility was permitted to be open. The credit did not appear on the first cycle after the fitness center reopened. The emails to the fitness center then went unanswered. I contacted US Bank, IMMEDIATELY, on the date the fitness center last advised I was to receive the credit. I explained ALL of this to the US Bank representative recording my dispute. I telephoned US Bank twice, after disputing the amount, asking if it was normal for the process to take this amount of time, as I had not been reimbursed, nor had I received any documentation from US Bank. Today, I received a letter from US Bank stating they closed the case, as they were unable to locate a transaction in the amount of {$23.00} to XXXX XXXX on XX/XX/2020. I advised this amount was {$23.00}, many times, while speaking with the US Bank representative taking the information regarding my dispute. US Banks correspondence to me, dated XX/XX/2020, included the correct date of the transaction in dispute, the correct corporation charging the amount in error, and was a mere difference of ten-cents off ( their error ). I did not receive a call to request further info, nor any paperwork, to question if this could be the transaction being disputed, nothing. US Bank could not seem to figure out the ten-cent difference was their error. I telephoned US Bank after receiving the letter, but tired of waiting on hold. This was handled very poorly by US Bank.
Consumer complaint received 2023-03-07
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. (IL)

I have been a victim of fraud and someone opened up a credit card in my name along with my personal information... I also received a letter from the credit card company stating that the account was opened in fraud and they asked the credit bureaus to remove it, but it is still showing on my credit report as a negative item, account name is ( XXXX ) .... ( XXXX XXXX XXXX XXXXXXXX ) i will attach the letter from the company.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure