davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (CA)

I was unemployed for the first time in my adult life starting in XX/XX/XXXX. I continued paying my bills with credit cards during that time and all along with the expectation or hope that I would be employed soon. My unemployment lasted for about 8 months, so I built up quite a large amount of credit card debt. I am not one that doesn't like to pay what I owe or skip out on things. I continued to pay on my credit cards with no late payments until the middle of XXXX. I was very stressed with how much I was paying in credit cards and seeing the balances barely change. I looked into Freedom Debt Relief and they were quick to pursue my business. Even after I declined, they continued to pursue me. They sent emails telling me that I could be out of debt in 48 months. In XX/XX/XXXX I gave in to the stress of my credit cards and agreed to do that program with Freedom Debt Relief. I signed a contract that says I would be {$760.00} per month for an estimated 48 months. That put the completion date of XX/XX/XXXX. I've been looking forward to XX/XX/XXXX for over three years. Now Freedom Debt Relief is saying that I have to continue paying for an estimated additional 15 months, until XX/XX/XXXX. That's over 30 % longer than what I was lead to believe, and what was stated in the contract. I feel like they misrepresented the services that they provide and that they have not fulfilled their part of the agreement. If I was off by 30 % at my job, I would be unemployed again. They continue however to collect their fees which I don't feel like they were very upfront about. During conversations in XXXX they would state a payment and tell me that it would be for 48 months. I would do the math and it seemed reasonable. They never mentioned the over $ 10k they would collect in fees from me and that the program could go 15 months longer than stated. Please help me figure out what my rights are in this situation.
Consumer complaint received 2022-02-24
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: JPMORGAN CHASE & CO. (CA)

I made a purchase of a stay with XXXX the company via their online system for my personal use and that of my family. The purchase was for a total of {$2100.00} and it was made by paying with my Visa Check Card XXXX XXXX XXXX XXXX XXXX XXXX JP MORGAN CHASE BANK NA on two separate transactions of {$1000.00} on XX/XX/XXXX and on XX/XX/XXXX. In the month or around XX/XX/XXXX, XXXX. i made a timely dispute of the charges after coming to the conclusion that i could not resolve the issues with the vendor XXXX  of California XXXX 

My dispute was based for the following reasons : Billing Errors : 1. I was charged by services and good that were ordered, advertised and not delivered. Specifically, I was lured into a transaction for an advertised temporary rental and was provided with assurances that I would receive a unit with a working hot tub, water would be available, a clean unit, at least one without mold, safe and free of sexual harassment while staying there and an internet connection. This was my expectation and because I DID NOT RECEIVED THE services and goods as advertised, I disputed as it was my right.

Additionally, I disputed the charges made under : I dispute under CLAIMS AND DEFENSES with the card issuer but believe this was not properly documented by the Credit Card Issuer JP MORGAN CHASE BANK, NA.

My dispute under CLAIMS AND DEFENSES because the purchase was made online, it was for over {$50.00} USD, XXXX  is wihtin 100 miles of my residence but regardless the process was made online. I made a good faith effort to resolve this matter with the vendor to no positive result.

1. The unit was to have a working hot tub ; it did not have this.

2. Mold was discovered during the stay and was causing me problems as I have allergic reactions to this. The unit was not cleaned and protected as advertised.

3. The internet connection was not reliable and was subject to very slow speeds that could not possibly sustain several devices from being connected to the internet.

4. During the stay the water was shut off and I had not even vacated the property.

5. The property was not secured. As it allowed loitering and the conglomeration of individuals at the entrance of the property that XXXX harassed my partner and my XXXX daughters. I was promised a prompt reaction as this issued required an immediate response from the vendor, but the vendor stated to me that they could not react to the complain because under staffing during the holidays as they would normally. 

For these reasons I am disputing the charges and I am protected under the laws of the United States and The State of California. I also believe that my credit card issuer did not
Consumer complaint received 2022-02-24
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. (MI)

Experian has made claims to have verified an item on my credit report with XXXX XXXX and the items is not even showing on my consumer report with XXXX XXXX because it has been removed by them because they also could not verify the item. 


I have written confirmation from everyone they have listed on my credit report and on their website as their source used to verify this data and none of which agrees with Experians claims and/or statements. These sources include, The Michigan Bankruptcy Court and XXXX XXXX. I contacted them directly and their responses are attached. 

The item XXXX XXXX XXXX XXXX  XXXX needs to be removed per the FCRA 15 USC S 1681 est seq.
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (WI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my tXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-08-31
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 accordance with the Fair Credit Reporting act XXXX  XXXX Account Number # 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 instruction
Consumer complaint received 2022-08-31
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. (VA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I've tried on one other occasion to get inaccurate findings off my report but nothing has changed. Accounts being reported as late but also appear as a charge off and dates do not match. Is it late or charged off, cause it can't be both!
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cascade CISS Holdings, LLC (CT)

Hello I am reported the social services office of the state of Connecticut. I contacted them XX/XX/22 in regards to an incorrect balance of my account that was reported on my credit .. the XXXX XXXXt balance has been paid off in full. There is currently a XXXX $ owed. When I contacted social services office they reassured me that by XX/XX/22 this would be cleared off and reported as paid off on my credit. However this still shows a balance on my credit and is very much affecting my score. I need this fixed & removed. Thank You
Consumer complaint received 2022-08-31
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. (GA)

This complaint is not being filed by a 3rd party and is not a duplicate complaint. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have 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. 


1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX Account # XXXX 5. Account Name : XXXX Account # XXXX 6. Account Name : XXXX Account # XXXX 7. Account Name : DPT EDXXXX Account # XXXX 8. Account Name : DPT EDXXXX Account # XXXX 9. Account Name : DP OF EDUC Account # XXXX 10. Account Name : DPT EDXXXX Account # XXXX 11. Account Name : DP OF EDUC Account # XXXX 12. Account Name : DPT EDXXXX Account # XXXX 13. Account Name : DP OF EDUC Account # XXXX 14. Account Name : DPT EDXXXX Account # XXXX 14. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX 15. Account Name : XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX 16. Account Name : DPT EDXXXX Account # XXXX 17. Account Name : DPT EDXXXX Account # XXXX 18. Account Name : DPT EDXXXX Account # XXXX 19. Account Name : XXXX Account # XXXX 20. Account Name : XXXX Account # XXXX 21. Account Name : XXXX Account # XXXX 22. Account Name : DPT EDXXXX Account # XXXX 23. Account Name : DPT EDXXXX Account # XXXX 24 Account Name : XXXX  XXXX  Account # XXXX 25. Account Name : DPT EDXXXX Account # XXXX 26. Account Name : DPT EDXXXX Account # XXXX 27. Account Name : XXXX Account # XXXX
Consumer complaint received 2022-08-31
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: EQUIFAX, INC. (VA)

My personal information was exposed in the Equifax data breach and XXXX  XXXX data breach. I would like for the following accounts to be removed from my Equifax, XXXX and XXXX credit report immediately. I would like for the XXXX credit account and XXXX credit builder loan from the following company XXXX XXXX XXXX removed from my Equifax, XXXX and XXXX credit reports. I also would like for the following company XXXX/XXXX XXXX  loan account to be removed from my XXXX, XXXX and Equifax credit report. All three accounts was fraudulently open without my consent.
Consumer complaint received 2022-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I noticed Experian LLC fails to provide legal documentation for proper verification of the inaccurate accounts it continues to furnish on my credit report. The inaccurate account is as follows : XXXX. XXXX XXXX Account # XXXX Consumer law violations : Failed to provide XXXX documents to me for proper verification of accounts furnished on my credit report. 

LAST WARNING! IF YOU CONTINUE TO FURNISH INACCURATE ACCOUNTS ON MY CREDIT REPORT. I WILL FILE A MOTION AGAINST YOU WITH THE STATE OR FEDERAL COURT. 

Inaccurate information : 1. XXXX late payment Unfamiliar company
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AZ)

I have a mortgage with US Bank ( # XXXX ). 
I have always made my payments on time. 
In XX/XX/2022, the payment went up from {$2600.00} to {$2900.00}. I failed to adjust the automatic payment of XX/XX/2022 with the increase of {$300.00} for the escrow account. 
US Bank applied my payment of {$2600.00} to principal and cause the loan to be in default without immediately informing me that I should pay the additional amount of {$30000.00}. Notices were send weeks after the payment was made. 
Also US Bank charged me a late fee of {$11000.00}. 
When I found out I immediately called US Bank and the person I talked to reversed the transaction and collected my {$30000.00} over the phone and told me that the fee was waived. 
The late charge of {$11000.00} is still charged in my account and the Bank informed me that management refused to confirm the waiver. 
In my opinion this is unfair and shady behavior by US Bank probably created in order to charge excessive late fee 's. 
I have no doubt that the papers I signed when I took the mortgage are drafted such that I have legally no issue and that the Bank is never liable for anything. 
I am glad that we have the CFPB that protects clients against this type of behavior.
Consumer complaint received 2022-08-31
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. (CA)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}.
Consumer complaint received 2022-08-31
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: EQUIFAX, INC. (CA)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX  XXXX Date Opened : XX/XX/2012 Balance : {$0.00}.
Consumer complaint received 2023-06-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

On XX/XX/2023, I received verification from the XXXX investigation that the accounts mentioned below were reporting accurately. I have attached all documents and circled the inaccuracies. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-31
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. (VA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.