davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-01
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. (NC)

XX/XX/XXXX To Whom It May Concern : XXXX  It has come to my attention that continued requests for removal of credit inquiries and erroneous accounts that do not belong to me are still entered as accounts on my credit report. You also have an incorrect address, which is not normal. There is an immediate request for removal and blockage of incorrect and mis-represented information. 
I have listed below, the companies that have somehow gained my information to place an inquiry on my report. I do not have any open lines of business with them or ever have intended to. 

Correct Home Address : XXXX XXXX XXXX, XXXX NC XXXX Incorrect Address Info : XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX , XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 

Several inquiries that I noticed that does not represent a request from me. They all need to be removed as ASAP.. 

XXXX XXXX XX/XX/XXXX THIS IS AN IMMEDIATE DEMAND TO REMOVE ALL DISPUTED INACCURATE ACCOUNT, ADDRESS AND ANY INFORMATION BEARING MY NAME THAT DOES NOT AND HAS NEVER BEEN ASSOCIATED WITH ME! 

Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX XXXX : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2021-08-01
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)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-01
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: AMERICAN EXPRESS COMPANY (NY)

I am an American Express XXXX XXXX holder, for which privilege I pay {$5000.00} a year in fees alone. I have been an Amex customer since XXXX. You would think that qualifies me as a good customer, right? WRONG!!! I called the dedicated customer service line XXXX XXXX XXXX at XXXX XXXX  on Sunday, XX/XX/XXXX and spoke to a woman called XXXX based in Florida. I wanted to put a charge into dispute. I was on hold for 4 minutes and then for a further 8 minutes while XXXX " transferred '' me. After 12 minutes 30 seconds she came back to me to tell me the disputes department was closed on Sundays and she could not help me. This complaint is about three things : 1. American Express refuses to accept my dispute. This is illegal under the Fair Credit Billing Act. Amex encourages you to contact them via phone about disputes, but on weekends they refuse to accept disputes 2. This representative does not know what she is doing. How can I wait 12 minutes to be told the disputes department is closed? Why wouldn't she know that when I first spoke with her? When I told her that she should know this and she needs retraining she said I " insulted '' her. Fortunately these calls are taped 3. This is not the sort of service Amex advertises for the extortionate fees that it charges. This is a " bait and switch '' fee policy. My fees should be partially refunded for this lack of service, I am supposedly paying for
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (IL)

On XX/XX/XXXX, I noticed a pending transfer transaction of a negative - {$400.00} on my personal banking account to my open end consumer credit plan. This caused me to XXXX  out of control and I called Navy Federal Credit Union ( NFCU ) to find out who fraudulently transferred money out of my account. The NFCU customer representative named XXXX told me that my account was not hacked and that it was NFCU Collection Department who transfer the money fraudulent without my approval or request. When I asked XXXX why did NFCU Collection Department would fraudulently transfer my money to an open end consumer credit plan that I extended to NFCU to extend back to myself she responded by saying I should call their collection department to find out. 
In addition, NFCU Collection Department also sent a deceptive debt collection letter to me that included their company logo, false reporting to credit bureaus instead of credit reporting agencies, accusing me of owning a debt on my open end consumer credit plan that is suppose to reset after the balance hits its max limit and a finance ( interest/percentage rate ) charge ( {$50.00} or less ) is paid. NFCU also fraudulently transferred a negative - {$360.00} of my money to my open end credit plan on XX/XX/XXXX. NFCU is not properly handling my open ended consumer credit plan properly and that is causing me a great deal of XXXX XXXX  and reporting negative information to credit reporting agencies, and stopping me from extending line of credit.
Consumer complaint received 2021-08-01
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. (NC)

XX/XX/XXXX To Whom It May Concern : Equifax It has come to my attention that continued requests for removal of credit inquiries and erroneous accounts that do not belong to me are still entered as accounts on my credit report. You also have an incorrect address, which is not normal. There is an immediate request for removal and blockage of incorrect and mis-represented information. 
I have listed below, the companies that have somehow gained my information to place an inquiry on my report. I do not have any open lines of business with them or ever have intended to. 

Correct Home Address : XXXX XXXX XXXX, XXXX NC XXXX Incorrect Address Info : XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX , XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 

Several inquiries that I noticed that does not represent a request from me. They all need to be removed as ASAP.. 

XXXX XXXX XX/XX/XXXX THIS IS AN IMMEDIATE DEMAND TO REMOVE ALL DISPUTED INACCURATE ACCOUNT, ADDRESS AND ANY INFORMATION BEARING MY NAME THAT DOES NOT AND HAS NEVER BEEN ASSOCIATED WITH ME! 

Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX SSN : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2021-08-01
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. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-08-01
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. (SC)

I have sent FOUR LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.
Consumer complaint received 2021-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a text message fraud alert on XX/XX/2021 for {$2.00}. I logged into my BofA app to confirm if the text message was in fact providing correct info. Upon logging into my BofA account I was promoted to the suspicious out of state {$2.00} charge. Since the data matched I ended up calling the BofA phone number provided in the text alert XXXX. I was informed by the agent that my account was hacked and linked to someone elses XXXX account. I was sent a verification text code which I was informed would break the bogus XXXX account. I was also informed that {$2600.00} was transferred from one of my checking outs and {$300.00} from another. To get my money back the agent had me transfer {$2600.00} to myself via XXXX and {$300.00} via XXXX to myself. After completing the transfer I asked the agent why I had to transfer money back to myself and thats when the agent hung up. Afterwords I called BofA fraud department using a phone number I located on BofA web site. I was informed that I was scammed. The {$2600.00} and {$300.00} funds at that time showed as processing however the rep said they couldnt do anything to terminate these transactions. According to my research that might not be true.
Consumer complaint received 2021-07-31
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: Phoenix Financial Services LLC (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Phoenix Financial Services, LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
Consumer complaint received 2019-02-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MO)

XX/XX/2019 : Eight plus months of negotiation for loan modification to lower payment to the current interest rate on inherited family home. We are currently paying almost double at 8 % interest rate through USBANK. It has been nothing short of a nightmate. Was not allowed to make payments at Bank and was told that it was not necessary during process. Numerous attempts were made to have the heirs names put on mortgage. It never happened. Often times creating much difficulty, to even be allowed to speak with someone regarding the account. Constantly being told many different things through numerous agents, creating much confusion. Having to spend countless times resubmubmitting the same information over and over, only to be told that they did not " receive '' it, on their end, contraire to " proof '' on our end. Discrimination on who was living on the property. *NO COMPLIANCE TO FEDERAL MANDATES FOR HEIRS OF INHERITED PROPERTY WERE FOLLOWED. NONE. Not one, but two home appraisels were performed, of which we may have been charged with possible other fees added. Much time and money were wasted, to no avail. Much " jumping through unnecessary hoops '' only to NEVER RECEIVING ANY HELP only having to now make almost double payments to pay back the loan, including possible additional charges. One of the most stressful experiences I have encountered. Nothing short of a nightmare. It is sad that the millions that banks make off of others, with the majority of times making 100 % interest, often more, on loans, that they refuse to follow federal mandates to help heirs keep their family homes. Customers are often given penalties, through them, but they are never penalized. Iam thankful that my tax dollars pay for government agencies that hold them accountable. Your intervention is greatly appreciated, by someone who just wants to keep their family home after the loss of a loved one. I now understand WHY the federal mandates were put into effect for heirs of inherited property. This is not how they should be treated. US BANK needs to follow mandates, just like the rest of us. I guess compassion does not make them richer. Sad.
Consumer complaint received 2018-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MI)

XXXX XXXX says that we owe Steinmart which they gave us a GE Retail Bank card number that GE Bank is now XXXX XXXX. XXXX refuses to give proof of debt we had to track that ourselves. All they gave us was steinmart and card number and supposed last date paid which is XX/XX/XXXX conveniently within the 6 yrs for MI it now being XX/XX/XXXX. First they called several times threatening to take us to court. Then they called asking if they could send an email. The first email said we owed around 4000 and with taxes and interest we owed a total of 14000 but that we agreed to settle for 7000. Then they sent emails after they called and threatened us that said we agreed to settle for 4000. (  Approximate numbers ) All of those supposed settlements were lies. We never even shopped at steinmart our credit bureaus have no records and we tried GE Reail Bank/ Synchrony 4 different times even asking them if they would have GE records from 6 yrs ago. Of course they had no record of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MI XXXX phone # XXXX. Online the people say this is a scam company. We believe so too. Help
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2021-07-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX i have taken the steps to pay my collections and remove them I also pay my credit cards in full all 3 major companies are falsely claiming late payment and charge off not reflecting I paid in full XXXX  XXXX  on its sites indicate that if I pay my collection I get score increase by removing that debt I did that and no score was updated Ive email them proof ask them to update information and they have not done so XXXX car site promise it does not pulled hard inquiries o show proof they refuse to remove it please help me
Consumer complaint received 2021-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MA)

I had made a purchase totaling {$39.00} on a XXXX XXXX credit card on XX/XX/XXXX, half of which was delivered to me via mail at my address at the time. Prior to the purchase, I had changed my address with XXXX XXXX, online on their website, which clearly went through, as I began receiving catalogs, and my ordered merchandise, at that address. 
In XX/XX/XXXX, I received mail notification from Midland Credit Management ( MCM ) that I now owed {$310.00}, on the original unpaid {$39.00} purchase. The agency handling the billing for XXXX XXXX, XXXX, had been sending my statements to an old address from XXXX, despite my having changed the address with XXXX XXXX in XXXX. On XX/XX/XXXX, I called MCM to dispute the charges, and offered to immediately pay the original amount due, which I was told was unacceptable to them. I never received the billing statements, sent to my prior address, as my forwarding had run out 24 months before. Somehow between XXXX XXXX, XXXX, and selling my debt to MCM, my current address had been dropped. In the meantime, I had purchased thousands of dollars worth of home furnishings from XXXX XXXX, paid by XXXX, and was clearly good for the original purchase. I do not believe I should pay for their clerical errors or database merges.
Consumer complaint received 2021-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (OR)

Today I had a conversation with a representative of Quicken loans, XXXX. I thought that I was complying with this company 's request to explore some mortgage assistance plan. However, the conversation revolved around an extra payment of {$9.00} that was supposedly added on to my XXXX mortgage. if I paid this {$9.00} addon ( not listed on my XXXX bill ) then supposedly I wouldn't need to pursue my assistance goal?? This process seemed like a " set-up ''. I told the representative that I would mail the {$9.00} but that wasn't good enough. I had to give them my account # immediately to satisfy my mortgage payment ( by the way my mortgage payment was timely for XXXX XXXX. They wanted my bank account # etc. to fullfill their needs. I was totally frustrated by this turn of events. I ended the conversation with a request for a transcript of our conversation. So far they haven't complied!
Consumer complaint received 2021-08-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Experian refuses to move a collection that was reported to the credit bureaus during the debtors 30 day window for debt validation. I have uploaded proof to Experian dispute center directly from XXXX XXXX stating that I had 30 days to request debt validation, in which I responded to XXXX Credit requesting debt validation. Instead, XXXX XXXX broke their own rule and reported to the bureaus before the 30 days were up. Once I submitted a complaint against XXXX Credit for violating the FCRA, the collection was removed from two bureaus except Experian. Instead, Experian said the debt was valid without looking at the PROOF provided ... the time XXXX credit reported the debt vs the time XXXX XXXX mailed out the letter. Experian isnt cooperating with the removal of the collection that was reported before the 30 days were up
Consumer complaint received 2021-08-02
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (WA)

Navient did not keep their word. I was a co signer on my daughters student loan and was told after two years with her having a favorable payment history that I could be removed. It was a lie and I tried serveral times. To make a long story short she went through a period of hardship and I worked with Navient to assist her in catching up. She got to a point that she paid if off because Navient continued to harrass and lie. When she paid it off I was told that it would not reflect on my credit report. I am just finding out that this was a lie as well. I want the adverse reporting REMOVED! Your attention regarding this matter would be greatly appreciated. Respectfully, XXXX XXXX