davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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. (CA)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union What its going on is they will determine how much I overdrawn at the same time leave the account with money in it help me believe in that money is in account wait till all the charges occur then charge me an overdrive fee This is a rear current incident my direct deposit goes to the bank so they know exactly when to take the money out this incident occurs every other week
Consumer complaint received 2022-04-11
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. (WI)

In accordance with the fair credit reporting everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the data last if the open date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S. C 1681 SECTON 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 account without my written instructions.

Also the credit bureaus took more then 30days to complete my investigation here is my certified mail tracking.
Consumer complaint received 2021-05-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30dayXXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-28
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. (TX)

in according to the fair credit act XXXX accounts XXXXXXXX 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 XXXXXXXX XXXX XXXX Has violated my rights.15 usc 1681 section A states i hava a rights to privacy.Also 15 usc 601 section 604 section A 2 it also states a concomer reporter agency can not furnish a account without my written instruction
Consumer complaint received 2021-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please do dear help, It appears to me that this consumer reporting agency is committing several acts of fraud. They've created fraudulent accounts on my name. I've disputed the information several times and this company still refuses to handle the situation in accordance to the FDCPA. It is illegal and incompetent for XXXX XXXX TO continuously assume a essential role but only to report fraudulent accounts of consumers. They've never sent me investigation status and results in due time. They violate me of my human God given rights. They violate me in accordance with the fdcpa and ignore there civil liability. There disgrace to society and to uphold their assumed role is detrimental to me in my private dwelling. Due to their actions I've been deemed of my rights as a consumer to extend credit because of their physiological warfare schemes and tactics to infiltrate me the consumer in to undermining my God given rights. I never given XXXX XXXX any permissible purpose to publish my private information as I the consumer has the right to privacy. Please help as XXXX XXXX is shadow casting onto my estate and depriving me of my human rights.
Consumer complaint received 2017-03-29
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Suttell, Hammer & White, P.S (WA)

I paid my debt and when i was getting the amount i was offered a lesser amount to pay and i took the offer and paid and was told that my debt was now paid in full. The company later told me it was not paid in full. This is not right and falls under fraud.
Consumer complaint received 2022-04-11
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (GA)

I filed a dispute regarding the incorrect items on my credit report It has been well over 30 days. I have not received any investigation results, or any satisfactory solution. I previously submitted a CFPB complaint ( case number : XXXX ) with all required and Identifying information and items still remain on my credit report. I received a request for information as a resolution. They do not have any investigation results at all.
Consumer complaint received 2022-04-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I dsiputed these accounts with the credit bureaus and some were deleted and reinserted without me knowing and some I have heard nothing about my dispute as if they are ignoring me. I also see an account was reinserted with a different account number. I do not know whats going on or how they can be doing this without informing me first.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (TX)

I had a credit card with American Express account ending in XXXX and they sent me a letter around XX/XX/2021 and it was a letter about pay over time option but gave me the option to opt out. I called and opted out first thing and they assured me I would never be charged interest. 

Unfortunately, they did start charging me interest and for the most part they reimbursed most of it. But there were four charges of interest that they never reimbursed me for. I should have never been charged interest and they should have made the adjustments all of them but they have refused repeatedly. I even have printed out a chat that they blatantly say that because I was late on my last bill they will not adjust the account. I explained that the late fee of {$170.00} was to cover it being late and has nothing to do with the interest charges since I opted out that should be considered fraudulent charges in my opinion. 

The dates and amounts of charges are as follows : XX/XX/2021 XXXX, XX/XX/2021 XXXX, XX/XX/2021 XXXX and XX/XX/2021 for XXXX this totals {$280.00}. 

Please help me get the adjustments made to my account so they can send me a check.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2022 {$1100.00}. XX/XX/2022 {$1900.00} & {$1400.00}. XXXX XXXX {$1900.00} & {$1900.00} these are fraud charges on my BANK. also fraud charges on XXXX XXXX
Consumer complaint received 2022-04-11
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX  DOB:XXXX  SOCIAL SECURITY: *XXXX
TRANSUNION CREDIT BUREAU
XXXX XXXX XXXX XXXX, PA XXXX  
PHONEXXXX XXXX  TODAY'S DATE: XXXX  REQUEST INVESTIGATION OF CREDIT INQUIRY ON MY BEHALF.
DEAR TRANSUNION REPRESENTATIVE,
         AFTER A RECENT REVIEW OF MY CREDIT PROFILE ON XXXX I NOTICED A HARD INQUIRY FROM XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX  UT, XXXX  ON XXXX. THE INQUIRY IS UNAUTHORIZED, INACCURATE, AND/OR MADE IN ERROR.
THE FOLLOWING INQUIRY IS IMPERMISSABLE:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX  ON XXXX.
PLEASE REMOVE THIS INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. SHOULD THIS COMPANY CLAIMED TO HAVE PULLED MY CREDIT REPORT VALIDLY, THEN IT IS WITH MY LEGAL RIGHT TO ASK FOR VERIFICATION DETAILS:
1: THE NAME AND JOB TITLE OF THE INDIVIDUAL WHO PULLED MY CREDIT.
2. THE DATE THEY CLAIMED TO HAVE RECEIVED PERMISSION TO PULL MY CREDIT.
3. THE METHOD THEY CLAIMED THAT I AUTHORIZED THEM  TO PULL MY CREDIT.
PLEASE ALSO ATTACH DOCUMENTATION TO SUPPORT THE VERIFICATION OF THESE CLAIMS.
THANK YOU FOR YOUR PROMPT ASSISTANCE.
XXXX XXXX XXXX
Consumer complaint received 2022-01-26
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)

XXXX XXXX, XXXX a credit account was removed from my credit report by Experian. This account was in good standing and I did not dispute its existence. The removal cause my score to drop due to a shortened credit history. The account was not due to be removed until XX/XX/XXXX.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (MA)

I got a Vanilla Gift card Visa with {$200.00} on it, took it out of the packaging to use it at a store and they said it only had {$1.00} on it. The balance had already been used before i took it out of the packaging. I contacted Vanilla immediately they say it was used in California and I live in Massachusetts. I dont understand how this can happen when the card never left my presence and had not even been open yet. I started doing some research online and it appears this has been an ongoing problem with Vanilla. Lots of people had the exact same issue. Seems like a someone is getting the information on the cards before people can use them.
Consumer complaint received 2022-01-26
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: EQUIFAX, INC. (SC)

I found two different hard inquiries only on my Equifax credit report. I called and informed them that I have never entered their place of business in my life. I then asked for the documents that they had in their possession so I could see for myself. I was told they only had the one because I had submitted an application twice and when that happens they simply change the date on the original. I also asked for a copy and was told to just dispute it with Equifax. The party above with the two hard inquiries was XXXX XXXX XXXX of XXXX XXXX with one inquiry on XXXX XXXX and again on XXXX. 
I was also informed that during this time frame the people I spoke with had not yet began employment there and that all parties who were working during this time frame were no longer employed there.
Consumer complaint received 2019-07-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services (MD)

I applied for loan on XXXX XXXX effective date XXXX XXXX. I was approved for {$620.00} total payments {$4800.00}. On XXXX XXXX {$170.00} was debited from my account then on XXXX XXXX {$180.00} was debited. My bank account was in the negative so I called inbox loans & ask them to remove me from ach on XXXX XXXX which they did. Then I had car problems which cost over {$500.00} & the garage ran my check through before they was suppose to which my account went overdrawn again on XXXX XXXX. I messaged inbox loans on XXXX XXXX & told them why I fell behind. Then on XXXX XXXX I recd an email that since I havent made a payment they was going to garnish my wages. Right now I cant afford that. I will send you a screenshot of the email. I would greatly appreciate anything you can do. Thank you. I didnt realize that this company was not legit in Maryland
Consumer complaint received 2021-05-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

FILED A DISPUTE ON XX/XX/XXXX CREDIT AGENCY STILL HAS NOT FINISHED THEIR INVESTIGATION WHICH PER THE FAIR CREDIT REPORTING ACT, SECTION 611 ( A ) ( 5 ) IF YOU CAN NOT VERIFY THE INFORMATION WITHIN THE 30 DAY TIME FRAME YOU MUST DELETE ALL THE DISPUTED AND UNVERIFIED ACCOUNTS.
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to get my information updated on my credit report. I have reached out to XXXX. TransUnion, & XXXX. They have not updated anything in over 90 days. I have even tried to resolve this through the furnisher with no help. I just want my information to be updated and they fix their reporting errors.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

in XXXX / 2021 I was notified I had a past due balance. I called the company and explained it was not my charge. they agreed to look into and remove. they notified me it was fraud and they would correct and remove any negative credit. they did correct the balance but still have a past due amount showing in XX/XX/XXXX and XXXX XXXX they have NOT been removed as a paid late account
Consumer complaint received 2022-01-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I.C. Systems is a debt collection agency that has taken my debt from XXXX XXXX XXXX. I have called I.C. Systems and have attempted to get in touch with XXXX XXXX XXXX several times now, but to no avail. I have always paid my bills and am on-time for payments. I have never seen so much as a bill or any kind of alert from this medical group. 

I contacted I.C. Systems to find out what the collection was for and was told that it was in regard to the birth of my daughter. My daughter was born via c-section on XX/XX/XXXX, where my medical team saved my life and I was being treated by an in-network OB-GYN at an in-network hospital XXXX They are attempting to collect payment for a service where I had complete insurance coverage and they should have had my full policy information. At no point were my husband or I informed ( by hospital personnel or the attending pediatrician ) that the pediatrician who was present during the c-section was out-of-network. These services were rendered when I could not consent, and I am reiterating that I never received so much as a bill from this company prior to them sending this charge to collections. I.C. Systems is dating this charge to XX/XX/XXXX, which makes absolutely no sense. Please review this case I implore you to erase this collection from my credit report, as it does not make sense to belong there, and I am worried that this is a fraudulent charge. Thank you so much.
Consumer complaint received 2021-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened a checking account on XX/XX/XXXX using promotion code XXXX. I followed and met the requirements such as direct deposits totalling {$1000.00} within 60 days of account opening. I am still waiting for the {$400.00} to be deposited into my account.
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (NC)

XXXX of XXXX  my identity was stolen since that time several fraudulent accounts have been opened .... this account from XXXX XXXX is one of them and they are trying to collect on a debt that I did not create acct # XXXX
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (IL)

XXXX XXXX have inaccurately reported late payments to the credit bureaus on my consumer report. I pay my car note as agreed. I was never late. I have contacted them but they still have not corrected this issue.
Consumer complaint received 2022-01-26
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. (MA)

Dear Credit Reporting Agencies, Experian, XXXX and XXXX ; I'm getting anxious every time i looked at my credit report with those alleged negative items listed below because you're failing to truthfully investigate my previous requests. Sorry, my English is not that perfect, but i'm stressed out. There is no way that your company can say that they complied with my investigation because there are still multiple errors, incomplete, and unverifiable information. 

Here are the 3 items I'm concerned about and I demand an immediate deletion. ( XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX ). As you can tell, those accounts still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. 

Plus, for the last 3-4 months, I'm getting generic template responses from your agency. It's my understanding reading the recent articles from cfpb website that XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

Last year when I was check my credit score I realized that someone steals my information and opens a credit card since 2018. Then they spent XXXX dollars. I dont believe they have all my informations correctly, so how can they use un sufficient information to open a credit card.
Consumer complaint received 2022-09-28
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. (IL)

XXXX XXXX have inaccurately reported late payments to the credit bureaus on my consumer report. I pay my car note as agreed. I was never late. I have contacted them but they still have not corrected this issue.
Consumer complaint received 2022-01-26
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. (MA)

Dear Credit Reporting Agencies, XXXX, XXXX and Transuion ; I'm getting anxious every time i looked at my credit report with those alleged negative items listed below because you're failing to truthfully investigate my previous requests. Sorry, my English is not that perfect, but i'm stressed out. There is no way that your company can say that they complied with my investigation because there are still multiple errors, incomplete, and unverifiable information. 

Here are the 3 items I'm concerned about and I demand an immediate deletion. ( XXXX XXXX ; & XXXX XXXX XXXX XXXX ; & XXXXXXXX XXXX XXXXXXXX ). As you can tell, those accounts still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. 

Plus, for the last 3-4 months, I'm getting generic template responses from your agency. It's my understanding reading the recent articles from cfpb website that XXXX, XXXX, and TransUnion relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond.