davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc. (OH)

I received notification on XXXX from XXXX XXXX that a collection had been placed on my credit report by West Asset Management. I contacted their customer service, and their rep informed me there were no active accounts placed with their office in my name and the reporting was an error and it would be investigated. I received notice on XXXX, and XXXX that it had been placed on the other XXXX bureaus so I contacted their customer service group again. 

This time their representative stated that I had a bill due to XXXX XXXX by XXXX for {$240.00}, and it had not been paid. It was sent to their office on XXXX and eligible for placement on my credit report on XXXX. 

I then requested the reason I was not notified of this bill, and the answer I received was that their office sent a letter to me at an address that I moved away from in XXXX of 2015. I explained that they sent the information to an old address and I was never notified and granted my 30 days to review and dispute the collection. Their representative told me that it does n't matter if I received the letter, because their only responsibility was to send it and it mattered not where it ended up. 

I then said I would pay it, but that I required it be removed from my credit report. Their rep answered by stating it would be marked paid, but not removed. I restated my demand and informed the rep that West Asset Management did not act within the limits of the Fair Credit Reporting Act, and the answer I received was that their lawyers were n't afraid of me. 

I contacted XXXX XXXX, and explained to them what had happened. Their customer service rep saw in their system where I had left my new address but their office was still communicating with me at the old address and the error was on their end. 

I paid the outstanding bill over the telephone with my checking account on XXXX and it cleared my account on XXXX. The XXXX XXXX rep informed me that they apologize for the error and they would have the collection agency remove the item from my credit report. 

West Asset Management has since marked the item " paid '' but refuses to remove it. It should have never been placed there, and did as a result of an error beyond my control, therefore they are obligated under the law retract the false reporting.
Consumer complaint received 2022-05-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM TIRED OF GOING BACK AND FORTH WITH YOU AND THE CREDITORS WITHOUT RESOLUTION OR PROOF OF VERIFICATION! THIS IS YOUR LAST CHANCE TO CORRECT AND COMPLY BEFORE LITIGATION! 

I recently sent you a request to reinvestigate the information previously disputed. The computer-generated response I received is unacceptable and I have lost patience. Your unlawful conduct and willful neglect has caused me a lot of stress and financial harm, including out of pocket costsexpenses, and loss of personal credit opportunities. 

It appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Which is a violation of FCRA 15 USC 1681 ( e ) ( b ) Compliance procedures-Accuracy of Report. I have attached an audited report from XX/XX/XXXX I request that you remove this incorrect information IMMEDIATELY and send me an updated copy of my credit file. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : UPDATE XX/XX/XXXX TO PAID ON TIME Provide Method of Verification and Procedure used Inaccurate terms- Never received statement of late Never Paid Late XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : DELETE ACCOUNT IMMEDIATELY Provide Method of Verification and Procedure used Inaccurate Payment History Misrepresenting the date of status and date of last activity resulting in the account being re-aged XXXX XXXX- Date Opened : XX/XX/XXXX Balance : {$0.00} Reasons : DELETE ACCOUNT IMMEDIATELY Provide Method of Verification and Procedure used Reporting past due amount on a collection/charge off. 
Misrepresenting the date of status and date of last activity resulting in the account being re-aged. 
Credit limit and High Credit Amount Incorrect Failing to report a previously disputed account as disputed to the credit reporting agencies XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Reasons : DELETE ACCOUNT IMMEDIATELY Provide Method of Verification and Procedure used Reporting past due amount on a collection/charge off. 
Misrepresenting the date of status and date of last activity resulting in the account being re-aged. 
Inquiry : XXXXXXXX XXXX XXXX Inquiry Note : HARD Inquiry : Individual Date : XX/XX/XXXX Reason : Unauthorized-Remove this inquiry under section 604 Inquiry : XXXX XXXX  XXXX Inquiry Note : HARD Inquiry : Individual Date : XX/XX/XXXX Reason : Unauthorized-Remove this inquiry under section 604
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I have a mortgage with Santander Bank. On XX/XX/2021, I submitted the property tax bills that I received in the mail on the same day to the company so they could pay the right amount to the county from my escrow account. After I submitted the bills through email, I called to confirm with the customer service representatives and they confirmed receipt of the bills, and instructed me not to make the payment by myself because the company would take care of it. The amount was due on XX/XX/2021 with a 10-day grace period. Getting closer to the deadline and seeing no payment was made, I contacted Santander again and was told the same thing : not to make the payment myself, they would take care of it and if there is any late penalty they would be responsible for it.

Santander ended up paying the property tax late and a penalty of {$560.00} was charged. However, instead of being responsible for that amount as promised, Santander charged it to my escrow account and made me pay it. I have contacted Santander multiple times, filed dispute with multiple departments but they still refused to pay it and said I did not submit the bills early enough and it was my responsibility to pay the penalty fee. They completely ignored their promise to me and blame me for not paying it myself, even though their customer representatives told me multiple times that I should not make the payment.
Consumer complaint received 2019-11-21
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: NAVY FEDERAL CREDIT UNION (IA)

The only service any of the three credit reporting companies offer is the opportunity to dispute information in the credit report, but this complaint is about how the credit score is actually generated. 

Its a programming issue inasmuch as all three companies apparently use the same or similar key factors ( Att 1 p. 1 & 2 ), but in my case those key factors do not track with my credit reports, " Your credit score ... reflects the number in your consumer report '' notwithstanding ( Att 1 p. 2 : X'ed block ).

For examples, factor 00011/01 : Amount owed on ( Revolving ) accounts is too high is a report Debt-to-Credit ratio of 4 %, 028 Number of Established Accounts is 03 Too Few Bank/National Revolving Accounts IS MY CHOICE, 10/010 : Proportion of Balances to credit limits is a variant of 00011, and 014 length of time accounts have been established is reported as a 21 year average in a 30 year credit history. 

" Know how to get rich? Spend less than you make. ''
Consumer complaint received 2022-05-19
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. (GA)

After reviewing my credit reports I noticed that you are alleging that the following accounts are Charge off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$100.00}
Consumer complaint received 2022-05-19
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. (GA)

After reviewing my credit reports I noticed that you are alleging that the account is Charge off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXXXXXX Balance : {$69.00}
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Between the dates of XXXX XXXX XXXX I have called equifax literally a dozen times to fox the issue why my credit report is unable yo be pulled or why I am unable to access my free credit report and they have each and every time given me the run around as to why I am unable to access it. I am in the process of buying a home and this is ridiculous. It takes 10 minutes to get through all the automated messages and then the phone call is outsourced to someone with XXXX  English that doesn't have a clue as to what is going on with my account. I am lite trying to access my credit report and purchase a home.
Consumer complaint received 2020-02-26
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. (WA)

XXXX  XXXX # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.
Consumer complaint received 2022-05-19
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. (NY)

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
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 2022-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (AZ)

I have attempted to call Chase about my credit card multiple times. I called them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On both attempts I have spent ~an hour trying to reach a live person and then being transferred to other departments, with no one picking up. I was charged the XXXX XXXX yearly fee, but I don't want the card. Chase will not allow me to cancel.
Consumer complaint received 2020-02-26
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. (WA)

XX/XX/XXXX XXXX # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

WFDS XXXX Date Opened : XX/XX/2012 Balance : {$0.00}.
Consumer complaint received 2022-05-19
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. (NY)

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
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 2019-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

Care Credit  has been inadvertently charging me a security fee. I thought maybe I signed up and didnt realize, but I have family and friends who say they didnt sign up for it either. When I asked for a refund on the hundreds of dollars paid in since XX/XX/2018, they said some deadline had passed and that I could only get the last payment of {$20.00} back. They cancelled any future purchase but I did not sign up for it in the first place!
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: WELLS FARGO & COMPANY (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. 

WFDS XXXXXXXX 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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, 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: 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 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 an account without my written instructions.
Consumer complaint received 2022-05-19
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: ENCORE CAPITAL GROUP INC. (LA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-19
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: National Credit Adjusters, LLC (LA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

Equifax did not do a proper investigation about the removal of credit inquiries in accordance with the FCRA. I submitted my dispute two days ago and they sent me the results today. Nothing was corrected. There is no way they followed proper procedures because I tried to call a few of the companies listed and they are no longer in business! How could they verify the validity of the inquiry with no company in existence? I know that I never did or attempted to do business with the companies I disputed! Please help!
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/2023 I apply for an American Express XXXX XXXX credit card, I did receive approval and the advertisement stated I would receive a {$200.00} statement credit after XXXX to XXXX weeks from using the card to purchase a XXXX airline ticket. I took a screenshot, and this copy. I have called American Express 4 times to file a resolution, they are refusing to credit the promised {$200.00}. This appears to be false marketing. Please help me, many thanks XXXX