davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-11
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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 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 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AR)

EQUIFAX IS ONCE AGAIN REPORTING XXXX BANKRUPTCY PUBLIC RECORD BELONG TO XXXX XXXX XXXX, XXXX AND 4 ACCOUNTS IN OTHER SECTION, BEEN PENDING DISPUTE STATUS FOR 5 MONTHS NOW DELETE ALL 4.
Consumer complaint received 2018-11-17
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. (UT)

A fraudulent account from XXXX / XXXX XXXX XXXX XXXX has been been previously found to be fraudulent and they refuse to remove it and / or conduct proper investigation.
Consumer complaint received 2021-04-06
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2021-04-06
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. (TX)

I sent a dispute letter to the bureaus on XX/XX/2021 and haven't receive a response from them. I think they have 30 days to respond to my disputes. This is unfair. When you call them most of them are not very helpful. This doesn't make any sense.
Consumer complaint received 2018-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IL)

I have been in a dispute with Paypal for almost 1 year. They keep saying that they paid me but have not.. XXXX XXXX, Operations Counsel keeps sending information which does not show that the money they say they returned to my pay pal account. XXXX XXXX, quit sending useless spread sheets. I previously sent you a copy of My Paypal account. I do not see any of the transactions you claim you made putting the money back in that account. Either 1 ) you are not a very intelligent individual, or 2 ) you are trying to smoke screen me. I want you to send me a copy of my Paypal account and show me where the money was put in that account on the days you said you put it back. Do you want me to send our correspondence to the entire Board of Directors, to show them how much time you have wasted of mine and yours over such a small amount of money. Why are you making this such a big deal? I know Paypal has been the defendent is a similar class action suit before, do I have to take it to that level. I will. It's a shame that a big corporation like Paypal treats a XXXX XXXX Veteran like this In addition, you keep saying you will not reimburse me for my certified mail. I don't care what you say I agreed to, I would not have incurred those cost if your customer service people would have handled this thing correctly from the beginning, I also want {$1000.00} for the anxiety you have caused me.If you don't get this straight this time I will notify the Board. I want this settled once and for all.
Consumer complaint received 2022-06-11
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. (TX)

In accordance with the Fair Credit Reporting act 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 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 2021-09-14
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: WELLS FARGO & COMPANY (GA)

I HAVE REACHED OUT TO THESE CREDITORS MULTIPLE TIMES TO RESOLVE THE REPORTING ISSUES. THEY HAVE FAILED TO REMOVE ALL THE NEGATIVE INFORMATION FROM ALL OF MY REPORTS. WHICH I THOUGHT WAS A FCRA VIOLATION.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/XXXX, I received an email from Mr. Cooper Mortgage Lender letting me know that my home loan from XXXX XXXX had been transferred to Mr. Cooper effective XX/XX/XXXX. The email itself contained a sentence in bold letters that read, Rest assured, the terms of you loan remain the same. The terms of my loan, when it was transferred to Mr. Cooper was to have Fixed Interest, no Escrow Account and no Homeowner 's Insurance. 

In XX/XX/XXXX, I received a letter from Mr. Cooper saying that I owed my homeowners insurance. On XX/XX/XXXX, I called customer service and explained the situation. The customer service operator read my loan paperwork and agreed that I pay my own insurance. 

On XX/XX/XXXX, I received a letter from Mr. Cooper saying that there was a twenty-eight-cent shortage on my escrow account and starting XX/XX/XXXX my New Mortgage Payment would increase by ten-cents. 

On XX/XX/XXXX, I called customer service and explained the situation. The customer service operator read my loan paperwork and agreed that I pay my own property taxes however they couldnt help me over the phone? I was asked to email the Escrow Specialist at XXXX On XX/XX/XXXX, I emailed the above link, I explained the situation and asked to have the new projected escrow removed ( it's been over 30 days and I haven't heard back from them ). 

I recognize that a ten-cent difference on my mortgage is pennies on the dollar. Non the less, Mr. Cooper Mortgage Lender is breaking the terms of my loan regardless of the amount. I don't owe that mortgage company a penny more that what the terms of my loan are. If this mortgage company can break the terms on the loan of person who Does Not have an escrow account, it make me wonder how much more they are charging customer who Do Have an escrow account? 

In XXXX, California Attorney General XXXX XXXX reached a settlement against Nationstar Mortgage, which does business as Mr. Cooper because the mortgage servicer engaged in unlawful practices. Loan modifications was among the unlawful practices. This settlement was supposed to send a strong message that excessive fee or the harmful practices were not going to be tolerated. Im not sure that Mr. Cooper Mortgage Lender has changed their ways.
Consumer complaint received 2021-12-06
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 (IL)

SP * XXXX XXXX XXXX XXXX {$500.00} Ref. XXXX I purchased camera bags from them. It supposed to arrive within 2-3 days. It never did. They then sent me an email that they shipped something 2 weeks later or so. I was not waiting at home. Then eventually I got message from XXXX saying " delivered ''. Nothing was there. Then I got another email from company, again shipping. I thought ok, maybe they reshipping the same item. It then said again dropped on the street in the middle of the day.By the time I got back, nothing was here. Checked with neighbors, they said nothing was delivered to them either. The street here is lets say like XXXX XXXX, lots of people, lots of XXXX as well. Its main street of the neighborhood which has lots of stores. XXXX drops it off on the street if signature is not required.And you can ask them not to do it, they dont care. Then I contacted XXXX to check if they could provide any details, they said, its most likely " misdelivered ''. I contacted American Express, filled a non receipt claim. Claim was denied each time. After initial claim, i got email from XXXX from XXXX. I explained what happened. No more correspondence was received. However, Amex again denied my claim. About two weeks ago I spoke with supervisor. Explained the situation, supervisor said that he or she fully understood the situation and putting the noted. Spent 2 hours on chat. This morning I am getting email, saying claim was denied again! 

So basically with Amex right now, I have to pay for packages that are not received. Chat customer service promises to resolve. Then few weeks later case is denied. And game starts over. Is this normal with billing resolutions? 

I even had XXXX charge dispute with them. XXXX gave me bill of XXXX $ for 1lb item. Billed me XXXX XXXX ( Ref. XXXX ) Disputed maybe 5 times. Provided copies of receipts. Explained situation each time. Said to use common sense that 1lb doesnot cost XXXX. Told them how to go through their website and it still gives same XXXX bill.. Ok Ok... we willl resolve it for you! DENIED! 

Could you please look into their practice of claims investigation? It does not seem right.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

XXXX-Equalfax : I have two creditors on my credit report that are charged off accounts. XXXX XXXX  and XXXX XXXX. They both are over five years old. XXXX sent me a letter stating that they do not need to collect any money from me and will send a 1099 to my home. Which never happened. I sent the letter and filed a disbute complaint with the three bureaus and they wont remove or update my account.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX-Tranunion-XXXX  : I have two creditors on my credit report that are charged off accounts. XXXX XXXX  and XXXX XXXX. They both are over five years old. XXXX sent me a letter stating that they do not need to collect any money from me and will send a 1099 to my home. Which never happened. I sent the letter and filed a disbute complaint with the three bureaus and they wont remove or update my account.
Consumer complaint received 2022-06-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MI)

I have been charged a " minimum interest charge '' on my account even though I paid the entire amount ( actually rounded up I paid above the full amount ) onXX/XX/XXXX when the due date wasXX/XX/XXXX. I paid my account above in full 22 days early and I am still being charged some fee called " minimum interest charge ''. Additionally, there is not even a bill created that shows this fee. I am attaching screen prints of my transactions, statement balance and proof of no statement. This bank, Comenity, is in the wrong. Additionally, their customer service has disconnected me twice while trying to resolve this issue and have this illegitimate fee removed from my account.
Consumer complaint received 2022-06-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX. Account number XXXX, XXXX Account number XXXX, XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Account # 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 2021-12-06
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: LEXISNEXIS (MI)

I went on XXXX website to try to get my report and now they are saying they are not able to verify my information. I was also denied for two loans because they can't verify my identity due to pulling reports from XXXX... I have always been myself and would never steal anybody else 's identity
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting acXXXX XXXX  XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I went on transunion website to try to get my report and now they are saying they are not able to verify my information. I was also denied for two loans because they can't verify my identity due to pulling reports from transunion... I have always been myself and would never steal anybody else 's identity
Consumer complaint received 2019-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

I HAVE A TOTAL OF 4 COLLECTION ACCOUNTS ON MY CREDIT. I WAS NEVER NOTIFIED OF MY RIGHTS TO DISPUTE .... NEVER RECIVED A COLLECTION NOTICE IN THE MAIL.

I HAVE TWO COLLECTION COMPAINES ON MY CREDIT FOR THE SAME DEBT LVNV FUNDING AND RESURENT CAPITAL
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMCOL Systems, Inc. (NC)

I had a medical bill, Amcol called me and asked if I would be interested in setting up a payment plan, I told them yes, and the agreement was, XXXX a month to be drafted out of my bank account for 36 months. The first payment was drafted on XX/XX/XXXX it was an over the phone payment to get started. Each month there after Amcol drafted XXXX a month from my bank account. In XX/XX/XXXX, I received a notice from my bank saying we have been made aware your card number have been exposed in a data breach at a merchant location, etc ( I have the letter ) we are sending you a new card. I received a new card, and on XX/XX/XXXX I activated my new card. 
On XX/XX/XXXX I got a call from Amcol from a lady name XXXX, I tried to explain to her what happen and it was not a problem I just got a new visa/debit card and I will give Amcol the information so they could debit my account, I told her I would call them later that day because I was on the road driving to an appt. on XX/XX/XXXX, I called Amcol and I did not want to speak with XXXX again because she was rude, I spoke with a lady name XXXX, I gave XXXX my new debit card information and she said she was going to process the payment, on XX/XX/XXXX Amcol put the debt on my credit report. The last payment Amcol debit from my account was on XX/XX/XXXX. From the beginning of the agreement XX/XX/XXXX until now I have not missed a payment or been late. Amcol miss used there authority, Amcol normally draft my account on the 6,7 or 8th of each month, Amcol had my new debit card information on XX/XX/XXXX. Amcol had no reason to put this debt on my credit report when I was paying the bill in agreement with the arrangement we had made. I was not late when I gave Amcol my new debit card information. I would like to keep making my payments and I will give it my all to pay the debt off sooner so I don't have to deal with Amcol any more, and I would like for them to take that debt off my credit report, because its a lie to say the debt was not being paid or late. I have my bank statement of every payment I have made, ( XX/XX/XXXX ) This should be against the law for a debt collector to put any thing on any ones credit report when they are paying the bill. What I don't understand is why is Amcol willing to hurt the creditor they are working for to collect payments for them? I should not have to plead my case, when I am so willing to get my bill paid and keep my credit good. I am praying someone can help me. I have worked really hard to keep my bills in good standing. Hope to hear from someone soon. 

I have my bank statements and letter from bank, let me know if you need them.
Consumer complaint received 2019-08-27
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: EQUIFAX, INC. (PA)

I have submitted numerous disputes with XXXX, Exquifax and XXXX regarding a predatory loan that was paid in full via auto bank draft withdrawals and even after providing proof of all payments made, the aforementioned credit reporting agencies did not delete the erroneous information.