davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX CARD, XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

All 3 reporting agencies have XXXX credit card information stating a charged off account. The information should be deleted as it is a result of identity theft from XXXX security breach in 2017. 15 attempts were made and incorrect information continues to be reported which has caused credit refusal, hardship and discrimination. All information was filed wit FTC, CFB and should be removed removed immediately.
Consumer complaint received 2019-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (IL)

I have received a debt collection letter for something i never had. The state that the services done is not a state i have ever been to. the state the services being billed for is a state outside of my current state and is false. I apparently received medical care at an emergency department which i never have been to. I receive all my care at one location which is the a gov hospital. The bill sent to me for a collection amount of XXXX for services done is false.
Consumer complaint received 2021-06-15
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: Receivables Management Corporation (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-03-08
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. (CA)

I have tryin to clear up some incorrect items on my credit report. For some reason I can not get he credit bureaus to answer my disputes and send me that out come of their findings. I do not understand why they arent working .They are reporting late payments which i have never been late on anything in my life. I filed disputes and on all the incorrect items and i have attached those disputes so you can see what I am disputing.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax refuses to correct erroneous Data ( Balance, Current Status ) Regarding XXXX XXXX   XXXX. They have been sent copies of a Mortgage Statement and a Bank Statement showing The Balance was wrong, the correct payment amount and a statement on it showing that all payments RECEIVED after the XXXX of the month would be considered late. 
The bank statement shows the date of the check being processed on the XXXX of the month by the Bank. Common sense tell us that for it to be processed by the bank on the XXXX of the month, it had to be received by XXXX  on or before the XXXX of the month. 
Also in the cover letter I stated that I was in contact with a REPRESENTATIVE from XXXX that advise that they were aware of problems with reporting DATA to the Credit Agencies and told to do the above per their instructions and they DO NOT expect any corrections soon because of another party involved and to give the agencies their phone number which I did. 
Equifax has NOT supplied me per date with how they investigate per their own statement.
Consumer complaint received 2022-12-01
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. (NJ)

I sent a dispute letter via certified usps mail and it was received XX/XX/2022 @ XXXX I received a email on XX/XX/2022 @ XXXX stating it was received and they will not process my dispute. I called on XX/XX/2022 to inquire why and they told me they have no record of receiving my letter and do not know why i received that email. According to 15 usc 1681i- procedure of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/19 I called Transunion to address the two issues they are reporting inaccurately on my credit file and they were unable to provide information for both accounts. 

So I called the account : XXXX XXXX And ask for information which they stated it was a error and that they were sorry for the negative impact to my exceptional credit rating by wrong information reporting on Transunion. 

I then called XXXX XXXX to ask for information and was told the amount that should be reporting is {$990.00} not {$1400.00}. 

XXXX ). XXXX XXXX XXXX The amount reporting is {$3600.00} The accurate amount is {$3600.00} XXXX ). XXXXXXXX XXXX XXXX XXXX The amount reporting is {$1400.00}. 
The accurate amount is {$990.00} For both these accounts in question I request that Transunion return my score to its exceptional credit rating and rectify theses errors.
Consumer complaint received 2019-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners Holding, LLC (IL)

I have received a debt collection letter for something i never had. The state that the services done is not a state i have ever been to. the state the services being billed for is a state outside of my current state and is false. I apparently received medical care at an emergency department which i never have been to. I receive all my care at one location which is the a gov hospital. The bill sent to me for a collection amount of XXXX for services done is false.
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (ME)

I am disputing a deceptive finance charge associated with my XXXX XXXX credit card. Comenity Bank claims the due date for the final payment was three weeks earlier than the other 11 months of payments because it was based on the purchase date. This is in direct contradiction to what I was told by the sales associate at the time of purchase. The sales associate stated that my payments would be due at the end of each month. Despite paying all of my payments by the due date of the XXXX of each month I was assessed a finance charge for all 12 months of interest exceeding {$600.00}. I have tried to resolve the dispute with the bank but the customer service representative told me I would have to dispute the charge with the credit bureau in order to get the bank to respond. The banks practice is unfair and deceptive and therefore I am disputing the finance charge.
Consumer complaint received 2019-10-12
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. (AL)

In the past three months i have disputed information on my equifax report. A fraudulent account was opened through XXXX and money was taken out of my personal bank account. After disputing through my financial institution and XXXX both agreed the account wasn't mine and blocked access/removed fraudulent information from my credit report. Equifax is the only company that disagrees and will not remove the information that is damaging my credit score. 
I have never had an account with XXXX or XXXX XXXX. When i disputed the account with XXXX   they could not find an account with my name or email.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint against Equifax for multiple violations of my consumer rights. On XX/XX/2024, I sent a letter addressing unauthorized activity on my credit report, which I neither recognized nor authorized. Despite more than 30 days passing, Equifax failed to respond to my letter. Subsequently, I filed a complaint with the CFPB, and their response indicated they were still working on the dispute. 
On XX/XX/2024, I sent a second letter to Equifax, reiterating my request for the removal of fraudulent inquiries from my consumer credit report. Finally, on XX/XX/2024, I received a response from Equifax regarding my dispute, which I found extremely frustrating and unsatisfactory. 
Equifax 's response was evasive and unhelpful. They claimed they were unable to locate a credit file in their database with the identification documents I provided. This response is not only upsetting but also a blatant violation of my consumer rights. As a consumer, I have the right to address such matters promptly and have them resolved. Instead, I am faced with deceptive and illegal practices that violate my rights. 
I provided Equifax with all necessary identification documents, including a copy of my driver 's license and my most recent utility bill, to verify my identity. Despite this, Equifax 's response was dismissive and insulting. I have attached their response, along with all three letters I sent to Equifax, my FTC report, and any other relevant documentation. 
I have filed three complaints with the CFPB regarding this matter, attaching all correspondence with Equifax each time. I am now seeking your assistance in holding Equifax accountable for their misguided practices. Equifax has no legal grounds to report fraudulent, false, or misleading information to my consumer report without my written consent. 
I demand that Equifax immediately delete all the information mentioned in my letters from my consumer report. I have attached all three letters I sent to Equifax, my FTC report, the identification documents that were sent to Equifax, and any other useful information to assist with this matter. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION (IL)

ON XX/XX/21 AT XXXX MY WIFE AND I CLOSED ON THE PURCHASE OF A NEW HOME, THAT MORNING AFTER REALIZING WE WERE BEING CHARGED OVER {$3000.00} IN TITLE FEES WE CONTACTED THE TITLE COMPANY TO QUESTION THE FEES AND THEY HUNG UP ON US WITHOUT OFFERING ANY EXPLANATION. I THEN CONTACTED THE TITLE COMPPANY MANAGEMENT WHO TOLD ME THEY WERE VERY COMPETATIVE AND REFUSED TO DO ANYTHING ABOUT THEM OTHER THAN REMOVE AN {$80.00} DOLLAR WIRE FEE ( THEY ARE CHARGING US FOR WIRING FUNDS THAT THEY REQUIRED, THEY WOULD NOT ALLOW A CASHIERS CHECK ) THEY DIDN'T EVEN DO THAT. I TRIED TO EXPLAIN THAT ALL THE TITLE FEES THEY WERE CHARGING US WERE DISCLOSED BY OUR LENDER AS NOT BEING BILLED TO THE SELLER OR BUYER BUT RATHER BEING PAID BY SOME " OTHER '' PARTY & THEY ALSO TACKED ON {$6700.00} UNDISCLOSED PROPERTY TAX CHARGE. LEARNING ALL THIS HOURS BEFORE CLOSING AND BEING TOLD IF WE DIDN'T AGREE DON'T CLOSE DID NOT LEAVE US MUCH OF AN OPTION SINCE SO MANY OTHER OBLIGATIONS REVOLVED AROUND THIS CLOSING.OUR UNDERSTANDING OF THE DISCLOSURE REQUIRMENTS IS TO MAKE SURE THE BUYERS ARE NOT BEING CHARGED LAST MINUTE UNDISCLOSED FEES, IN THIS CASE {$10000.00} OF UNDISCLOSED FEES. WE CHOOSE TO PAY A HIGHER RATE FOR OUR MORTGAGE IN EXCHANGE FOR THE ELIMINATION OF CLOSING COSTS. WE CAN UNDERSTAND THE {$6700.00} TAX FEE BUT IT WOULD HAVE BEEN NICE TO BE TOLD THAT FURTHER IN ADVANCE. THE TAX FEE ASIDE WE DO NOT THINK ITS RIGHT TO TELL SOMEONE IN THE PRELIMINARY DISCLOSURE SOME " OTHER '' PARTY IS PAYING THESE FEES AND THEN FINDING OUT AT THE LAST MINUTE YOUR BEING REQUIRED TO PAY THESE FEES. IF THIS WERE A TRIVIAL AMOUNT OF {$50.00} OR {$100.00} WE WOULD NOT MAKE AN ISSUE OF IT, BUT ITS OVER {$3000.00}. IF THIS IS NOT AN EXAMPLE OF THE PURPOSE OF THE DISCLOSURE PROCESS I DON'T KNOW WHAT IS. WE ARE ASKING FOR A FULL REFUND OF ALL THE TITLE CHARGES WE PAID. PLEASE HELP XXXX AS NO ONE ELSE WILL LISTEN. THANK YOU, XXXX & XXXX XXXX
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MN)

I can no longer login to my account online. I have spoken to a few representatives. I have not received a statement in almost a year. I can not see my E-statement online. I don't have my card number anymore. I don't have any statements. I can not login online. I have been bounced around and no one is able to help. How can I restore access online? I have been advised my account is restricted due to returned mail. Its probably due to not receiving a statement in almost a year.
Consumer complaint received 2019-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, I noticed a debit/hold on my checking account in the sum of {$670.00}. I contracted the bank the same day but they were already close due to time difference. On Saturday XX/XX/2019, I go in contact with customer support and was told that I need to file a claim but claims was not opened during the weekend. On Monday XX/XX/2019, I was on the phone with with customer support for almost 3 hours trying to figure out what happened to my money. I was placed on hold and transferred to several different departments of the bank ( claim, closing account, risk management ) ; None of which was very helpful. However at the end of the call I was notified that there was a claim for a check by a customer that was traced back to my account. The check in question was issued to my by the company I work for as salary on XX/XX/2019 and was deposited into my account via ATM on XX/XX/2019. This i believe is considered some sort of fraud and for this reason they were considering closing my account. I then contact my employer whom them informed me that there was never a claim made by her or by the company in regards to the check in question. I went into the bank and spoke with a customer service representative and informed her that there was never a claim from my employer as I was told earlier. I was there from XXXX - XXXX and was unsuccessful in getting anything resolved and was asked to return the next day. On Tuesday XX/XX/2019 I came into the back with my employer and spoke with the branch manager. He tried to figure out who made the claim and why the money was taken out as well as why my account was in closing and debit card deactivated. He never got a reason to why they were closing my account and who made the claim. However he figured out the the problem with the check was that it was never deducted from my employers account. He then stated that the account is currently handed over to an analyst who should see where the error was on the banks part and in the meantime my employer can reissue me a new check for the same amount being that it was never deducted from the company. I left and later retuned with a new check for {$670.00} which I proceeded to cash. I was told that my account is not coming up and I was to be treated as a non customer and charged an {$8.00} fee for cashing my check. I refused to pay and eventually the bank manager waived the fee. He was busy at the moment to look into the account to see what happened. Later I went back to the back to figure out whats going on now because upon checking online I noticed that all the rest of my funds had a debit/hold on it and I was unable to do anything. The branch manager was unable to figure out why they closed the account. It has now been two days after speaking with them and I still havent gotten any explanation and I have no access to my funds that had remained on my account. This is totally unacceptable as a long-standing customers of Bank of America.
Consumer complaint received 2019-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (IL)

This happened to me with TCF. I was in possession of my ATM/Debit card at the time of both incidents. On XXXX, a ATM withdrawal for {$200.00} was taken from my account. The next day, WHILE I was at the branch filing a fraud report, another {$200.00} was taken from my account, while the Assistant manager was looking at my account. It seemed like it was obvious that there is fraud involved. She filed the second claim. Today, I was notified that both claims were denied because " I let someone have my card and PIN ''. In the branch today, I was told that they were " re-filing '' the claim and that the decision is not up the branch. In short, the thief has my {$400.00}, I am out {$400.00} ( the two withdrawals plus two ATM fees ). The thefts happened on XX/XX/2019 at XXXX XXXX and XXXX XXXX XXXX. I reported this to the TCF Branch at XXXX XXXX XXXX inside of the XXXX XXXX to the Asst. Manager XXXX XXXX ph. XXXX I also filed a police report. I've been to the branch, as of today, on three separate occasions to deal with this issue to no avail. I've also contacted the fraud department.
Consumer complaint received 2019-10-12
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: Early Warning Services, LLC (TX)

Early Warning Services never sends me my consumer report, even after asking for it by phone and email which is my Legal Consumer Right under the Fair Credit Reporting Act. Early Warning also has fraudulent information contained on my consumer file. There is a XXXX XXXX AKA XXXX XXXX AKA XXXX bank checking, savings and money market account that is listed on the report all of which are fraud, I have never done any business with this company and it has already been reported to the company. Additionally they have 2 accounts from XXXX listed which are also fraud, again I have not done any business with this company. These accounts are fraudulent and I want these blocked. There is also two XXXX XXXX Accounts a Checking and A Savings. Which I did not open nor authorize to be opened, I have never lived at the addresses they have listed for these fraudulent accounts. They are opened by an identity thief who stole my identity. I am attaching my identity theft affidavit below.
Consumer complaint received 2019-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have faxed and mailed these same disputes to transunion many times and they refuse to respond or to do an investigation on the items.
Consumer complaint received 2023-03-22
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. (GA)

I sent a letter off on XX/XX/2023, to remove personal information that I don't want on my credit report. Here are my tracking numbers : # XXXX # XXXX. 

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 6802 no financial institution is supposed to share my information to 3rd parties.

These are clear violations of my federally protected consumer rights.