davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
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: AMERICAN EXPRESS COMPANY (AP)

In Reply to : Response of XXXX XXXX Credit Reporting Agency of : XXXXMEMORANDUM FOR : CONSUMER FINANCIALPROTECTION BUREAU SUBJECT : XXXX XXXX and its member/Agent AMERICAN XPRESSCOMPANY Inc. ( The Company ) CONTINUED KNOWINGVIOLATION OF THE FAIR CREDIT REPORTING ACT Re : CFPB Complaint # : XXXX Submitted to the CFPB on : XXXXTHISIS A TIMELY FILED COMPLAINANT RESPONSE TO THE XXXX XX/XX/2022 REPLY TO CFPBDear CFPB, on XX/XX/2022, I, a service member filed an FCRA Volition complaint with CFPB, regarding XXXX XXXX a Consumer credit reporting agency and its member AMERICAN EXPRESS COMPANY Inc. , reporting of false DECEASED inaccurate information on my XXXX Credit File , VIOLATION OF Title VI of the Consumer Credit Protection Act ). XXXX XXXX and American Express Company Inc., are both Subject to the Federal, Fair Credit Reporting Act ( FCRA ) XXXX XX/XX/2022 XXXX filed a response to CFPB and Service Member that stated in pertinent part,..... [ DESCRIPTION OF NON-MONETARY RELIEF According to our records, an indication of being deceased does not appear on your XXXX  credit report at this time. ] THIS IS FALSE. After having allotted sufficient time following XXXX XX/XX/2022 to elapsed of approximately26 days to be exact. Service members upon review of my most recent XXXX Credit Report # : XXXX reveal that, AS OF THIS WRITING XXXX XXXX ( XX/XX/2022 ) XXXX XXXX AND ITS MEMBER/AGENT AMERICAN EXPRESS COMPANYINC , KNOWINGLY CONTINUE TO REPORT FALSE DECEASED INACCURATE INFORMATION ONSERVICE MEMBERS XXXX CONSUMER CREDIT FILE.. my multiple request to XXXX  and its member American Express have gone an resolved , that resulted in negative impact on my Consumer Credit Score to XXXX CREDIT score , caused me to suffer serious financial hardship, suffer deprivation of federal relief in the meaning established and defined by the U.S. Congress under Title 15 United States Code 1681 ( a ) and ( b ), in direct violation of the Fair Credit Reporting Act and violation of Title VI of the Consumer Credit Protection Act, all in violation of Title 18 United States Code249, and infringed the jurisdiction of the Consumer Financial protection Bureau. Irreparable harm.Under the Consumer Financial Protection Bureau Act, the CFPB has jurisdiction to fine XXXX and its member AMERICAN EXPRESSCOMPANY for their continued violations of the act.
Consumer complaint received 2022-02-27
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. (WA)

Equifax Your listing that CREDIT CONCEPTS account # XXXX is closed however your still listing a monthly payment of {$330.00} thats a violation please remove this account immediately. Also XXXX is reporting 36 Months term and your reporting Monthly ( due every month ) thats also a violation please remove this account immediately XXXX is reporting Account Type XXXX XXXX XXXX XXXX and your reporting account type as Installment thats a violation please remove this account immediately. Your also listing XXXX XXXX {$7600.00} with a balance of {$11000.00} witch is more then your listed high credit thats a violation please remove this account immediately, there are also missed payment inaccuracies thats a violation please remove this account immediately
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc (CA)

on or about XX/XX/XXXX based on information given on my consumer report received from XXXX XXXX i lost my home owners insurance with farmers and also was denied insurance from XXXX XXXX. After receiving my consumer report, I found that the information was incorrect and that my claims were reported as XXXX claims verses XXXX. I informed XXXX and provided information the correct information. XXXX said they investigated the claim with XXXX XXXX and said they will not remove it, but I can add a dispute statement. I filed a claim against XXXX XXXX with the Department XXXX XXXX case # XXXX. After the investigation it was determined that the information originally reported by XXXX is inaccurate and incomplete. ( XXXX occurrence happened XX/XX/XXXX ) In fact, the homeowners insurance policy with XXXX XXXX is a per occurrence policy. Subsequently, the water damage was the same event but was reported as a second occurrence the ( 2nd occurrence, that was still the same as the first happened on XX/XX/XXXX ). Moreover, these mistakes on my XXXX credit report are devastating. These errors has caused denial of insurance and it is the responsibility of XXXX to maintain accurate reporting records. Since the records have errors, it has caused me unjust hardship and distress including economic damages.
Consumer complaint received 2022-02-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AR Resources, Inc. (PA)

On XXXXXXXX XXXX, I sent a certified letter to AR Resources Inc to cease contacting me on a debit I did not owe. This past month, AR Resources has begun calling my cell number. I do not answer as it is from a " restricted '' number. A minute later, another call comes in and a voice mail is left for me to call them back.
Consumer complaint received 2024-03-18
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. (PA)

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. 

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 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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2020-01-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union (VA)

" First Tech Credit Union '' is running a scam operation where they charge people for inactivity but make it impossible to close the account.How are they allowed to keep this fraud going? 

I have received communications from " First Tech Credit Union '' that due to inactivity in my account they will charge me fees. 

I have been living in Virginia for over 6 years and there are no branches in the state - which is why the account has been inactive. 

I have made multiple attempts to call ( as I can not physically get to a branch ) to close the accounts. 

Just today, I made 3 attempts and was put on hold for 16, 22 and then 27 minutes on hold but had to drop the call because there are other things i need in my everyday life and can not stay on hold forever.
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX >Sold ; was Charged-off< Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ) and its implementing regulation, Regulation V. Experian has failed to provide me with complete and accurate information regarding the reinvestigation of my dispute, in violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and Regulation V Section 1022.42 ( a ) ( 1 ) ( i ).

On multiple occasions, I requested that Experian provide me with a more detailed summary of the results of the reinvestigation process for the disputed information related to XXXX ( Report Number is : XXXX ). Despite several requests dating back to XX/XX/2021, Experian has failed to provide me with the requested information. The lack of accurate information has caused significant inconvenience and harm. 

Moreover, Experian violated FCRA Section 611 ( a ) ( 1 ) ( A ) and Regulation V Section 1022.42 ( a ) ( 1 ) ( iii ) by failing to provide me with a list of all documents and information reviewed during the reinvestigation process. I had requested this information to ensure that all relevant information was reviewed, but Experian failed to provide it. 

Additionally, I requested contact information for the data furnisher ( s ) or public records vendor that Experian contacted during the reinvestigation process, as well as any additional information that Experian may have regarding my dispute. However, Experian failed to provide me with this information. 

Furthermore, Experian failed to provide me with evidence of its processes and method of verification, in violation of FCRA Section 611 ( a ) ( 1 ) ( B ) and Regulation V Section 1022.42 ( a ) ( 2 ). Experian informed me that they " asked them to verify the accuracy of the information with which I disagreed and they responded verified that the remaining disputed information was accurate as reported. '' However, Experian did not provide me with any specific information about the verification process. 

Experian 's failure to comply with the FCRA and its implementing regulations has caused significant harm and inconvenience. I am requesting that the CFPB investigate Experian 's actions and impose appropriate penalties as necessary. Additionally, I request that Experian provide me with a detailed explanation of the results of the reinvestigation process, a list of all the documents and information that were reviewed during the process, and the contact information for the data furnisher ( s ) or public records vendor that Experian contacted during the reinvestigation process. I also request evidence of Experian 's processes and method of verification.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2023-02-17
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. (FL)

Account name XXXX Account number XXXX .... 
Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$2200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
Important note Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$10000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$800.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$810.00} written off. {$800.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$670.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
Important note Account name XXXXXXXX XXXX XXXXXXXX XXXX  Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$450.00} written off. 
Important note Account name XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Closed. {$680.00} written off.
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (NV)

I have contacted the Courts and have included their response. According to the United States Bankruptcy Court District of Nevada. The Bankruptcy Court does not report information to any credit bureaus. I demand that this information be removed from my credit report as it is being reported fraudulently. The courts didnt provide this information to you. The furnisher obtained this information from non-affiliated third parties. I demand immediate removal for the following account listed on my credit report : XXXX XXXX. Failure to do so will result in XXXX per violation of illegal report violations of my consumer rights. I have attached the Bankruptcy Court response below. 

I have also disputed this in the process with all three bureaus XXXX has deleted Experian and XXXX hasn't removed these items the credit bureaus are noon affiliated with third parties and can not report this information. I have attached the letter from bk court showing they have not to furnished nor do they report to credit bureaus.
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

Since our local bank sold our mortgage to LoanCare LLC, they have TWICE failed to post payments our bank guarantees LoanCare received. In the commission of those errors, they have also attempted to assess late fees. After LoanCare made the 2nd error, we sent a certified letter with attached proof of payment to LoanCare instructing LoanCare to acknowledge receipt of our letter within 5 business days, correct the error, remove any fees associated with their error, and correctly post our payment on the date it was received within 30 days of their receipt of our certified letter. The letter provided written instructions to contact us by mail for further information they might need to correct their error. We have received neither acknowledgment of their receipt of our letter nor communication requesting additional information or time necessary to correct their error. These errors are common for LoanCare and in continuing to make the same error repeatedly are in violation of the terms of our mortgage as well as in violation of Federal law under the Error Resolution Notice Act 12 C.F.R. 1024.35.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I sent Equifax a Fraud Alert Removal Letter/Form with all my personal information that Equifax requested XXXX Instead of removing fraud alert from my consumer report like I asked, Equifax chose to send me a stall letter ( see attached ) and quoted " We received your request to add an initial one-year fraud alert to my credit file ''. If I ask you to add to my fraud alert then I'm asking Equifax to please send me the letter/form for this claim you made.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( XXXX ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (CA)

This is not the first time that I made the complaint with Wells Fargo Bank. I have some unauthorized transactions which I made the disputed, and the bank denied all my requests and also closed my bank account. Firstly I didnt check my bank account so often, when I realized my bank account had too many unauthorized transactions which was charge from different merchants. After reviewing my bank account, I called Wells Fargo Bank Claim Center to make the dispute report directly. I got some provisional credit and they took them back because they said after investigation, the transactions were made by me. And because of my disputes, it has high risk and they closed my bank account. All the unauthorized transactions I have to report, I have to get my money back!
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (SC)

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. 

Account name : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-02-03
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. (FL)

I acquired my credit report and asked the credit Bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i. 

I waited XXXX days and I haven't received nothing. It has been over XXXX days. 

And XXXX more thing, they didn't even record the current status of the disputed information. 

Equifax, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family but XXXX is not doing its job according to the law.
Consumer complaint received 2023-05-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (TN)

I took a loan with TitleMax in over a year ago and they keep going up on my payments is not showing anything on the principal the loan was for {$1200.00} it hasn't gone down at all I've been making payments every month since I took out the loan