davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been actively requesting for verification of a derogatory public record that the credit bureau Experian has been reporting on my credit profile. I have sent numerous certified letters and have yet to receive any compliance in my request. I started the process of rebuilding my credit in XX/XX/XXXX and was told per request that the reporting was accurate. I sent a letter to the United States Bankruptcy Court to verify the correspondence with Experian and received notice by the clerk stating the following " the Courts does not report information to credit agencies ''. This was confusing as I had received confirmation that the reporting was accurate. Feeling discouraged I felt helpless and gave up my efforts to correct this wrong. In XX/XX/XXXX I started the process again felling more determined. I found information that the credit bureaus had been using " Third Party Companies '' to verify my information and not the original consumer. I sent a series of four rounds of dispute letters to both Experian & XXXX requesting verification of the bankruptcy reporting on my credit profile along with copies from the Bankruptcy courts. I also found the some of the names of the third party consumers ( XXXX XXXX & XXXX XXXX ) and sent letters to freeze accounts that I was unaware even existed with my personal information. The last request I sent to Experian for the verification procedure incurred me a letter from, XXXX XXXX, another consumer company that also contians my sensitive personal information. By XX/XX/XXXX i received confirmation from XXXX  that the erroneous reporting was deleted from my credit report while Experian continuously failed to do so. I sent a fifth round to Experian along with copies from XXXX showing that an error was made and corrected by deleting the account from my report. Still Experian continues to claim that they have complied in my request. I will be seeking council if this matter continues and need to have this matter brought to light to expose the wrong that i have endured to protect people from going through the same hardships.
Consumer complaint received 2022-12-29
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. (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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

BANK OF AMERICA AND SOMEBODY ELSE OPENED UP AN ACCOUNT UNDER MY INFORMATION WITHOUT MY CONSENT AND KNOWLEDGE... .I 'VE BEEN WITH XXXX FOR WELL OVER 20 YEARS AND I NEVER OPENED AN ACCOUNT WITH NO OTHER BANK OR CREDIT UNION SINCE THEN ... .I 'M PROVIDING A PHOTO OF A BANK STATEMENT FROM BANK OF AMERICA SHOWING THE ACCOUNT SUMMARY OF THE FALSIFIED ACCOUNT ....
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Debts result of ID theft, account takeover fraud etc-see links below ( court order, local police, FTC, iC3, etc included in links below for your verification-zip file too large for attachment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please delete lines immediately-waiting for months-accurate history needs to be moved to new credit profile granted for safety XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please correct and update.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

I received a letter ( dtd XX/XX/19 ) from Best Buy Credit Services stating that they were unable to process my application for a Best Buy Visa Platinum because there is a security freeze on my credit report. I never submitted an application for a Best Buy Visa. 
When I called the Manager, credit Review at XXXX and spoke to " XXXX '' I was told that the application included my social security number and date of birth. I asked how Best Buy obtained this sensitive information. XXXX told me the credit card application took place at the cash register when I made a purchase on XX/XX/19 at Best Buy store # XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. XXXX recommended I speak to the manager at that store. 
I went back to the store and spoke to " XXXX '', the acting general manager. She printed eleven pages of the " ejournal '' for my transaction on XX/XX/19 showing the transaction line by line. There was not sensitive information in the ejournal. She said she would look at the security tape for that day and call me back.
Consumer complaint received 2018-06-15
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I sent in a request for investigations to the credit bureaus. There were accounts reporting incorrect information. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2019-04-19
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One credit card company received a payment electronically from my bank, XXXX, on XX/XX/XXXX, but did not post the payment. Called Capital One on XX/XX/XXXX, and supervisor made 3 way call to XXXX to verify that payment was made. 
Capital One gave me a credit on XX/XX/XXXX statement, then reverse the credit on following month statement. Made numerous calls to Capital One on XXXX and XXXX, and it was promised that they will fix the problem, but has not done so. Now I received a letter from Capital One that I need to contact my bank for unauthorized transaction. I made all my payments to Capital One through electronic withdrawal. 
Please help me to resolve this issue. I want my money back. Thank you
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Performance Management, LLC (AL)

Years ago, I had a XXXX account. For one reason or another, I closed the account. In XXXX, I received correspondence from a collection company - Receivables Performance Management - in regards to an outstanding balance of {$1500.00} ( ref # 309948372 ).  I told the representative that I acknowledged the debt, but that I believe that what I owed was half of that. We settled on {$800.00}, split into two payments of {$400.00}. 
I made the first payment on XX/XX/XXXX and the second payment was made on XX/XX/XXXX ( I have receipts of both transactions ). 
The derogatory remark was removed from my credit report after the last payment was made. 
In XXXX, it showed back up under a different company - XXXX XXXX. I reached out to them on XX/XX/XXXX in writing, asking for an explanation. I also disputed it via XXXX XXXX ( to no avail ). 
A year later, I am still dealing with this outstanding debt that has been paid over 3 years ago. I contacted XXXX ( account number XXXX ) today, via phone, and spoke with a lady who was so rushed that I couldn't even catch her name. I explained the issue. She told me that I could sent the receipts to her via scanned email. When I asked what the follow up protocol is, she told me that it could be 30-90 days before I hear anything in regards to the issue. I think this is absolutely ridiculous and I told the lady so. She, then, told me that they have to reach out to XXXX and wait to hear back from them. I am confused, as the account is no longer with XXXX. It did not even come to XXXX from XXXX. It came from XXXX. I told her that I was thoroughly disappointed in both XXXX and XXXX. XXXX, the account is delinquent due to my original negligence, but I resolve this situation ( or so I thought ) 3 years ago, and now I am being told that it could be another 90 days before I know whether it's been resolved, or not. And, if it isn't resolved, what are the next steps?!
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (GA)

On or about XX/XX/2019, I changed my AutoPay settings online from payment in full to minimum payment only. Section 1 ( f ) of the terms and conditions ( attached hereto ) indicate that such changes are acceptable if made at least three business days before the payment date, which was  XX/XX/2019. 

Upon making such change, the next screen on the FNB website is substantially in the form attached hereto, which indicates explicitly that such " changes will take effect on the current billing cycle. '' On  or about XX/XX/2019, FNB Omaha attempted to make an unauthorized withdrawal of {$3900.00}. This was unauthorized because my instructions to FNB, and accepted by FNB, only authorized the minimum payment only to be deducted. I was then charged a {$29.00} NSF fee by my home bank due to this unauthorized withdrawal by FNB ( shown in the transaction attached hereto ). 

On XXXX XXXX  and XX/XX/2019, I reached out to FNB Omaha to notify them of the situation. I spoke to supervisor XXXX at or about XXXX on XX/XX/2019, who advised me of FNB 's deceptive practice of ignoring AutoPay changes for the current billing cycle. I told him about the Terms and Conditions to the contrary, as well as the explicit notification on the website that " changes will take effect on the current billing cycle, '' and XXXX confirmed that FNB 's practice was in fact the practice routinely used and what he advises to all of FNB 's other customers.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: REGIONS FINANCIAL CORPORATION (LA)

While checking my credit report, I notice an account from Regions Bank that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter, using the address located on XXXX XXXX ( See Attached ) informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). That letter was return to the sender as being an incorrect address. ( See Attached ) They are reporting an incorrect address on XXXX XXXXXXXX which is making it more difficult for me to communicate with them. I am asking you to look into this, to see why Regions Bank is reporting this incorrect mailing address.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

American Express closed my account ending in XXXX on XX/XX/2020 and sold the account balance associated with XXXX to XXXX and XXXX on XX/XX/2020 and yet they have reported my account as delinquent for 90 days. They are reporting inaccurate information to my credit bureaus which is in violation of the Fair Credit Reporting Act, and this has negatively impacted my credit as a result.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-06-13
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. (CA)

Equifax has my current information. I have sent in all documents numerous of times, It was me, that has disputed the information on my credit report. I have attached the same letter that I mailed into Equifax with all my current information. 

My current mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX
Consumer complaint received 2019-04-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mandarich Law Group, LLP (MI)

XXXX.XXXX XXXX & XXXX XXXX has prosecuted a civil action, in the name of XXXX , XXXX in the XXXX XXXX district court of Michigan, against this consumer since XXXX. Mandarich law group , LLP and XXXX XXXX ( p XXXX ) et al, have also become intimately involved in the action against this consumer. 

On or about XXXX XX/XX/XXXX, XXXX XXXX became aware that documents submitted in the district court action by XXXX.XXXX XXXX & XXXX, contained endorsement by an individual not authorized by the State of Michigan to act as a notary at the time of endorsement. 

On or about XXXX XX/XX/XXXX, XXXX XXXX received email confirmation from the State of Michigan Office of the Great Seal that the individual XXXX XXXX XXXX did not have an active notary commission at the time XXXX XXXX XXXX & XXXX created the affidavit that the XXXX XXXX district court used to find against this consumer. 

On or about XXXX XX/XX/XXXX, XXXX XXXX submitted a complaint to the office of the great seal along with the affidavit containing the false notary.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

Have had financial setback so called cc and asked for hardship plan. Two companies would not help me. Talked to XXXX and enrolled so they could help. PayPal credit was sent check for {$150.00} on XXXX-XXXX-18.  Had to mail cause this cc wont sign up for electronic payments that XXXX uses. The check was cashed on XXXX-XXXX-18. As of today at XXXX they have NOT credited my account. XXXX is a DMP that helps folks get their financial problems under control. XXXX has been in contact with PayPal credit and trying to get my account corrected. Please help me if you can. I think outrage that they can do this to consumers.
Consumer complaint received 2023-07-13
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. (WY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (NV)

I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : ACCOUNT NAME : MOUNTAIN AMERICAN CU Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2019-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

In contravention of Section 301 of Public Law 115-174 ( Amendment to the Fair Credit Reporting Act ), my Equifax credit report does not show my current fraud alert expiring on XX/XX/2019.