davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-16
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. (IL)

I have been disputing with Equifax since XX/XX/XXXX for every month up until now. The first issue is they keep stating accounts are verified. But the FCRA clearly states that the XXXX system is not the only way the bureau can verify a debt. I have been receiving account verified updates since XX/XX/XXXX-XX/XX/XXXX thats about 8 months worth of disputing. I have yet to receive any paperwork from your bureau stating how it verified any debt. So its safe to say your bureau only used XXXX system meaning your bureau is in clear violation of the law. Additionally XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX has multiple FCRA & FDCPA violations. Just to name a few failure to notate account is disputed by consumer, loan type incorrect, balance amount wrong, how is it scheduled payments on closed account.Theres a lot more errors please see attached files. 
Also XXXX XXXX  Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations just to name a few failure to note account is disputed by consumer, charge off amount different from balance, original monthly payments inaccurate.There are a lot more errors on account please review attached files. 
Additionally XXXX XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations as well. One of the main ones are Reporting a late pay when collection accounts are close-ended and can not be late ( unlike open-ended credit card accounts ) please review attached file theres plenty more. 
Additionally XXXX XXXX XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations as well.Just to name a few failure to notate account is disputed by consumer, debt buyer who bought debt not listed.Please see attached file for additional errors. Remove and delete all accounts listed before your bureau faces serious legal recourse from me. This is unbelievable how your bureau has so many violations.
Consumer complaint received 2022-06-14
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)

In accordance with the Fair Credit Reporting act XXXX  Account Federal Loans, 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 2022-06-14
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: EQUIFAX, INC. (NC)

A request was sent to Equifax and XXXX on XX/XX/22 and XX/XX/22 for an collection account in the amount of XXXX $ for account # XXXX. With doing so I requested copies of the original contracts due to illegal collection and fees not agreed to signed by either merchant or myself. These request made is asking for signed contracts not for these credit agencies to continue updating this collection on my credit profile. This account still remain on both Equifax and XXXX credit file and have not been fully validated as requested.
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (MO)

I was in New York on XX/XX/XXXX and purchased two single ride tickets that were suppose to be {$2.00} a piece at a XXXX machine. I was instead charged {$33.00} a piece by XXXX which caused my bank ( BMO Harris ) to charge me {$71.00} in overdraft fees. XXXX refunded the two separate {$33.00} charges the same week, but BMO Harris refuses to refund the {$71.00} overdraft charge. XXXX emailed me saying they will not refund the {$71.00} charge either
Consumer complaint received 2019-03-22
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. (IL)

In my attempt to correct inaccuracies reported by ; XXXX, Equifax, and XXXX, all three have failed to do so as regards the correct spelling of my name, the address at which I live, phone numbers that don't belong to me, an incorrect social security number listed by XXXX, unauthorized hard inquiries, re -insertions of an alleged debt made by XXXX XXXX of {XXXX} and reported by various collection agencies - once by XXXX XXXX and XXXX XXXX and now by a company referred to as XXXX.According to the date of the report by XXXX  , it appears that my right regarding the five day notification law was side-stepped by entering the date of report as XXXX - actual date not shown. I also made mention of the accuracy of the bankruptcy statement mentioned, whereas their reports show that the bankruptcy information came from the court. 
The date of my first attempt to correct matters was made by certified mail datedXX/XX/XXXX, which was sent to all mentioned credit bureaus. I followed with a second and third letter because in each case, their response was 'we have re-investigated and the reports were verified. ' My request for correction/deletion was ignored in that I asked for their method of verification to be shown in detail ; how was it verified, what was shown, was there documents shown bearing my signature of authorization, people who verified the information, their names, address and phone numbers - none of which was provided in the results of their investigations. 
In making my request, I provided proof of the correct spelling of name ; correct address, social security number, and a letter from the court stating that they do Not conduct any activities with credit bureaus.I provided copies of my drivers license ; social security card, mail with my correct address.I even reminded them of some the FCRA and FDCPA laws that apply. I mentioned filing a complaint with these protection agencies, the state 's Attorney 's office, the XXXX XXXX XXXX, and even my considering a small claims action against their company. To this day I am still trying to get these matters corrected.
Consumer complaint received 2018-04-24
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 did NOT properly investigate the 6 collection accounts that STILL appear on my reports, all they are USING is XXXX which automatically puts your dispute into a 2 digit code. 

I am requesting a METHOD OF VERIFICATION as allowed by law. These accounts should be REMOVED from my report!
Consumer complaint received 2018-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC (CA)

I received a letter from DYNAMIC RECOVERY SOLUTIONS stating I owe {$440.00} to XXXX/XXXX XXXX XXXX XXXX and the current creditor is XXXX XXXX   XXXX. I had a financial consultant repair my credit a few years ago. This was debt was not there. I paid all my debt in full. I don't know where this bill came from. I called the lady said it was a bill from XX/XX/2007.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I have tried over a year to access my Equifax report online through their website and annual free credit. I received the same error message from their site stating they can not verify my identity. I have submitted copies of my ID, pay stub and utility bills with my current address, name, and other important information. I made several calls to the company to gain access to my credit report online and been informed they can not give me online access but can send me a paper copy of my report. If I need to dispute anything on my report, I need to submit it back to them in paper format. I have disputed several items on my previous report but never received anything on a status of them. I have even heard them never received my request in the mail. I do not understand why I have not or am not able to gain online access to my credit report. No one can explain to me the reason why either. I need online access to my credit report so I can make documentations that the report was submitted with a potential deadline on my request.
Consumer complaint received 2022-07-21
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. (PA)

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. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (GA)

On XX/XX/23, I ordered 8 pairs of leggings for XXXX a pair from a company called XXXX. and they only mailed me one pair. So, I contacted the merchant and asked for a refund for the remaining pairs because one ; it took forever for the 1 pair to come and two ; if you go on XXXX and XXXX they have been scamming people this way for the longest and for cashapp to keep denying my claim for a refund, when they are not even asking for my proof of a company defrauding many of people and blatantly stealing from hardworking people, I guess cashapp must be getting a cut from the sales to not want to give a refund when I have proof of these scammers!! I just want a refund! Also, I made a complaint with XXXX  and now out the blue I can't use my card and nor will they give me a reason why.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 

and list of Inquiries. 

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 2021-07-15
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: Tiffany & Bosco, P.A. (AL)

There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (AL)

I called customer service several times to inquire about an account that I see on my credit. When calling I have spoke with several different agents and supervisors. They have all told me that they can not find my account in their system. I have asked to have the account removed from my credit report due to the fact that they can not find any information in their system in regards to my social security number and name and they are refusing to do so. I have also asked for them to send me written validation of this debt and they have not done so. I have spoken to XXXX XXXX and XXXX who is the supervisor.
Consumer complaint received 2024-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: FIRST NATIONAL BANK OF OMAHA (NV)

On or about XX/XX/2022 I was given a pre-approved offer by First National Bank of Omaha ( XXXX ) for their " XXXX '' credit card. I completed their application process, they accessed my credit report and my application was approved. I received my credit card on approximately XX/XX/XXXX and the following day I received a letter stating that they tried to contact me by phone or e-mail and were unsuccessful. They asked me to call them. Their letter specifically also stated that the block they placed on my cards " can easily be removed after we speak with you. '' First of all, they are liars. They NEVER tried contacting me by phone or by e-mail. Second, XXXX has failed miserably to comply with the Americans with Disabilities Act. I am, unfortunately, XXXX XXXX XXXX XXXX I tried calling the number they gave me at least 50 times between XXXX and XXXX and it is impossible to reach them via TTY / RTT. I tried using the XXXX relay service and also via their listed number for RTT. Each attempt failed. On approximately XX/XX/XXXX I reached XXXX via the XXXX Relay Service and communicated with an unknown individual who was very reluctant to communicate with me even after XXXX explained by disability. In the end, simply because they could not speak with me as any other non-disabled person, they told me I must provide *notarized* copies of my SSN and ID. 

I do not believe the ADA allows any company to require additional documentation from an individual just because they are disabled. Also, requiring a person to pay a notary for copies of documents is absurd. Further, they lied in their initial letter.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

Greetings and Blessings from the Most High XXXX, Per the FCRA as a federally protected consumer, I XXXX XXXX XXXX am now opting out of any and all authorization, I the consumer may have given you XXXX XXXX XXXX  XXXX written, unwritten, verbal and nonverbal per 15 usc 6802 and Family Educational Rights and Privacy Act of 1974. You are hereby ordered under the command of the Most High God to cease all transmission of XXXX XXXX XXXX non-public personal information to any nonaffiliated third parties as it pertains to account XXXX. To include but not limited to the Credit Report Agencies and their subsidiaries. 
Thank you for your full cooperation in the matter. 

Blessings and Peace upon You.
Consumer complaint received 2017-09-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called Bank Of America Bank several of times and spoke to different managers and filed a complaint with them multiple times about the inquiry that they have put on my XXXX credit file on XX/XX/XXXX, a member of their branch office which pressured me while I was there inquiring about some fees that I was being charged for. 
When I was there the lady assured me an approval for a new credit card, she was pressuring me to do something that I was not wanting to do. She asked what my credit score was and she tried getting me a new credit card, I told my score was low but she said do n't worry its good enough, she said you will be approved for a new card with that score, she came back and said you will get something in the mail. 
After trying to resolve this now I 'm filing a further complaint.
Consumer complaint received 2024-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2018 I owned on my XXXX XXXX Credit card issued through Chase {$2200.00}. They received payment on XX/XX/2018 of {$100.00}. Leaving a balance of {$2100.00}. Additional charges came in at {$16.00}, {$3.00}, and {$14.00}. A statement was sent out for XX/XX/XXXX with the balance including interest at {$2200.00}. On XX/XX/2018 I paid off the entire balance by mailing in a bank check for {$2200.00}. The next payment date would have been on XX/XX/2018. I owed them nothing at that time. Yet, Chase states I owed tacked on interest of {$43.00}. I did not get a statement for XX/XX/2018 and as far as I was concerned was paid off and paid off. I made just two additional charges on my XXXX XXXX card. 

I went from owing them little to nothing to somehow now owing them over {$190.00}. I contacted the company and they refused to remove the {$43.00} accrued interest charge but did remove the late fee and just {$2.00} interest from the recent purchase. This is to me credit card fraud. 

On XX/XX/2018 I contacted Chase and ended up paying them off again and not only paying them off but automatic payment out of my checking account of {$150.00}. They told me they are again going to tack on interest charges even when I paid the entire balance off. Under their scenario even if you pay off the entire unpaid balance they still keep tacking on interest charges which makes no sense. Under that scenario a consumer will never get Chase paid off. They just keep tacking on interest charges and late charges. Chase phone number XXXX. My name is XXXX XXXX, Phone XXXX, address is XXXX XXXX XXXX, XXXX, SC XXXX.
Consumer complaint received 2018-12-11
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. (CO)

I filed bankruptcy in XX/XX/2010 its been discharged. Its been over 8 years and XXXX XXXX, TransUnion, XXXX, and the other credit reporting agencies refuse to remove it. I contacted TransUnion and XXXX via internet and phone. Today, I spoke to a person at TransUnion who stated they do not have to remove the bankruptcy, EVER! She also stated that if I was to hire XXXX XXXX XXXX which specializes in credit repair then the deregulatory items on my report would be fixed. I feel that I'm being blackmailed!!! Hire XXXX XXXX XXXX or I will have a bad credit report forever ... I'm wondering if XXXX XXXX XXXX and the credit reporting agencies have come to some kind of financial agreement?! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

XXXX credit Report of XX/XX/2019 derogatory remarks removed by XXXX with the communication of Prestige Financial Services.

I marked with word of delete for Credit Reporting agencies to delete negatives and for evidence for Prestige that negatives of my Auo loan # XXXX was removed by XXXX. 
Prestige administration made communication with XXXX to delete derogatory from my credit Report for XX/XX/2019.
Consumer complaint received 2018-12-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I have several private student loans with this company. The repayment is very high, but I have made all efforts to best accomodate this loan including communicating often with the servicer, navient. I have not been able to recieve much assistance and have been spoken to brasenly several times about my inability to pay. I don't feel like all of my options were provided nor was I given an option that wouls help me accomodate my debt. My interest rates have nearly trippled on these loans, sinking more into a hole than when I started. They also took liberties with my co-signers credit reports and sent derogatory comments that were false in nature. Once identified, they were contacted and refused to resend the comments thus negatively affecting their credit scores. This was the most appaling part. After all I attempted to resolve my loans. Paying more and more to accomodate this company, and it has a negative affect on the people that believed in my education.