davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I contacted Experian on XX/XX/XXXX in regards to a collection account on my report. The account is for XXXX - a debt collector on behalf of XXXX  XXXX XXXX in regards to services received XX/XX/XXXX. Despite making payments on the account, XXXX sent the debt to collections in XX/XX/XXXX, I was notified of the debt in XX/XX/XXXX and I paid it off in XX/XX/XXXX ( receipts enclosed ). The balance was updated with Experian as paid in full. Per the changes to medical reporting by thee credit bureaus as of XX/XX/XXXX, this PAID debt should be removed. I have been blocked by Experian from disputing the account online and upon calling to dispute, there was a considerable amount of confusion with the customer service person I was speaking with. She placed me on hold several times while she attempted to gain clarification with another representative. Eventually, I was rudely told that I was misinformed and that they are not obligated to remove any paid off medical debts until after the beginning of XXXX. I was also dismissed and hung up on.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-26
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. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received a letter in the mail from Kohl 's fraud dept. It reads " We identified activity on your account that is uncharacteristic of your normal shopping patterns and have been unable to contact you by phone to confirm that you authorized this activity. We placed a temporary block on your Kohl 's Charge Card account for your protection ''. I looked at my credit reports and all of them had a hard inquiry from Kohls/Capital One but no opened account. I then called the fraud dept phone number listed on the letter ( XXXX ) and a lady told me that she would put a message in the system that I did not open/apply for this card. She told me that they'd already opened an investigation and would keep me informed by mail. A week goes by and I check my credit reports only to find that a brand new Kohls account has been added to all of them. It has no charge on it. All say {$0.00}. This started in late XXXX and the account was officially opened just recently in XX/XX/2022.
Consumer complaint received 2023-03-26
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. (OR)

In my response to my CFPB complaint previously sent as complaint number XXXX dated XX/XX/2023, the disputed company is using more misdirection tactics and offensively saying they apologize for any difficulty I may have experienced as a result of their fraudulent activities and violation of my consumer rights. I am providing further evidence of the escalating injury being caused to my person 's reputation and emotional well-being due to Transunion 's continuing fraudulent activity. As of this second complaint I am sending on XX/XX/2023 against Transunion, their fraudulent activity and multiple violations of my consumer rights is still occurring In the middle of an already abusive response received by Transunion on XX/XX/2023, via my CFPB complaint, I received three separate harassing and equally unwanted communications from Transunion via email on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, suggesting, to my disbelief, I provide feedback to make sure they are providing the highest level of customer service support ; this is gaslighting, I have attached said emails. 

I am XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and there is increasing escalation of hardship because of this extended situation with Transunion not complying. I am not able to improve my current quality of life and launch my new business because I can not get approved for any funding. I am also highly stressed out and experiencing severe relationship-ending issues as a result of how long I am feeling violated by Transunion and the agents who are trained by Transunion who bulldoze the consumer with their fraudulent internal policies instead of following the law as mandated by congress. 

It is obvious I am being treated unlawfully by Transunion. The actions of Transunion are causing injury to my personal reputation and above all, I am a consumer and I have a right to my privacy under law and as stated in 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting. Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence while is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the pdispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... When I investigated my credit report, I realized that some of the information was erroneous. The Transunion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-10
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. (FL)

I checked my account and noticed an unrecognized account on my credit report. I have sent multiple letters to the credit bureaus asking for evidence ( a signed and dated contract or agreement ) of the alleged debt. They have sent me the same letter multiple times, saying it is verified yet providing NO evidence. 

*FCRA Act Section 611 gives me the right to request an explanation of the verification method used by the credit reporting agencies.
Consumer complaint received 2019-07-16
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. (UT)

XXXX XXXX # XXXX is reporting a debt I do not owe. This account is fraud and I have filed a police report # XXXX with officer 's XXXX and XXXX. XXXX has yet to prove this debt is mine and it needs to be removed.
Consumer complaint received 2019-09-25
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE CLOSED ACCOUNTS THAT ARE REPORTING AS DEROGATORIES AND DELINQUENTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, BECAUSE OF THIS IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2024-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (UT)

Carrington Mortgage Services LLC has been charging us for insurance as if we were a single family home when we are covered under our XXXX  because we are a town home. They recently purchased our mortgage from another lender, and they began sending us letters that we needed to provide proof of insurance. They have rejected every document we have attempted to send them and explained multiple times that we are in a townhome and the insurance is through the HOA. E so not have a document with our address because it's the entire building that's covered. I called them multiple times and never got a call back. I called today and they told me they would send me a letter within 10 days when I asked simply who I could speak to. They already bought an insurance policy and have charged us for this. I'm not sure how they purchased this insurance when they don't even have the right dwelling type listed for us. I can not get a hold of anyone that can help me, and it has never been an issue before because we are insured for hazard through the XXXX. I'm being forced to pay for insurance on a property that doesn't exist. Our address is not a single family home.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (MO)

On XX/XX/2022 I transferred XXXX from my upgrade checking account into my XXXX checking account and as of today date XX/XX/2022 the transfer still has not be completed. I have suffered {$88.00} overdraft charges. I called and spoke to someone and was told that it usually takes 4 days to transfer, but mine is going to take 10 days. I was told it would be in my XXXX account XX/XX/2022. I still have not received this transfer and still have autopay coming out until this money is in this account which will be charged XXXX overdraft charges to accumulate. Please help me with this issue. XXXX is almost here and I dont have any money for bills, groceries, gas and the rest of my bills. 

Thank you XXXX XXXX
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

Regarding Wells Fargo Small Business account checking. 
Wells Fargo is charging me these fees for an unknown service that I did not sign up for. 
I called in and the initial representative thought they were from a 3rd party.

A 2nd representative found they were from a " treasury services '' department in Wells Fargo but he had no info on the charges himself. 
In the treasury department under a service called XXXX  ( something I did sign up for about that time but did not see any info in that contract not had anything explained to me about client analysis fees ), after long research time on the phone Wells Fargo XXXX XXXX told me they also had no info what these charges were for. 
They refereed me to my 'relationship manager ' XXXX XXXX XXXX 
I have informed Wells Fargo before that XXXX XXXX when I called her told me she was not my relationship manager, the system was defaulting to her because she was the branch manager, but she just changed positions out of there and was not longer the that branch manger and was in fact not my relationship manager. 
Wells Fargo suggested course of action was to send an email to my relationship manager XXXX XXXX, but to date I have not heard a reply from that and doubt that I will. I beleive Wells Fargo Small Business is charging me for a service that I did not sign up for, is irrelevant to my company situation that is not actually providing a service, and can not provide me any info about it or how to stop it or get it refunded. 
Lastly, I as overdrawn this month by an amount similar to these unexpected fees which has caused additional fees, problems paying my other debts/financing and general issues with cash flow management impact on my business, and maintaining my credit score. 

I have recordings off all the calls and a copy of the email available on request. 

Fees charged to date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

the following accounts appear on

my credit report, without any authorization, do not belong to me Identity Theft BK OF AMER Account Number : XXXX  This is not mine. Identity Theft BK OF AMER Account Number : XXXX  This is not mine. 2. Identity Theft BK OF AMER Account Number : XXXX  This is not mine. 3. Identity Theft BK OF AMER Account Number : XXXX  This is not mine. 4. Identity Theft XXXX  Account Number : XXXX  This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine. 6. Identity Theft XXXX  Account Number : XXXX  This is not mine. Identity Theft XXXX/XXXX  Account Number : XXXX  This is not mine. Identity Theft. Identity Theft XXXX  XXXX  Account Number : XXXX  This
is not mine.

.
Consumer complaint received 2023-03-26
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. (IL)

XXXX XXXX XXXX, Acct. # XXXX is OBSOLETE. 

Delete this account IMMEDIATELY.
Consumer complaint received 2022-10-14
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 act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A. 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, other than records of convictions or 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 in accurate.
Consumer complaint received 2021-07-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

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 I'm 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (KY)

I was told that a notice of the rate increase was sent to me on XX/XX/XXXX. I have informed delivery USPS and I have no record that this piece of mail was delivered to me. I went back and looked t all me email to see if it was delivered. Also I signed up for paperless bills and notifications so I really don't look at most of mail because I expect delivery via email which I had signed up for. American Express increased my interest rate by almost 6 percentage points. 


I contacted American Express on XX/XX/XXXX to question this large interest increase. I was told by them it was a business decision to raise rate to bring it current to what someone who was applying for a credit card today. I have been arbitrarily penalized because of a business decision they made. This has increase my payments by almost {$200.00} a month.
Consumer complaint received 2022-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

We have a garnishment agaouint us and we have been having payroll deduction since thew court case. On XX/XX/XXXX we made a large payment against our judgement of {$4700.00}. We had a few more payment garnishments in XXXX and XXXX. During these garnishments we actually have paid enough of the debt and now we have actually over paid approx {$400.00}. Because of my work schedule my husband has been in conmtact with Midland. He has contact Midland Credit Management over 5 times to discuss the balance and over payment. I even requested verbally and via email a complete payment history and interest charge for our account. They told me I can receive this information online which only goes back 1 year. I told Midland this and they said they are not under obligation to give me payment and interest charges history. I am asking for this to see how much we were charged interest because I received a statement from Midland on XX/XX/XXXX showing a balance due of {$62.00}. Then he got online on XX/XX/XXXX and the account showed a balance of {$230.00}. We were told this is because of interest charges. Then he spioke to another Midland rep on XX/XX/XXXX and she confirmed this si an issue with the correct balance and they will look into this difference and let me know. Midland rep also told us the reason for overpayment is the XXXX XXXX XXXX did not XXXX XXXX them the most recent payments and we needed to conct XXXX. I contacted them on XX/XX/XXXX approx. XXXX and went over the account details. XXXX told us that they never received a Credition Reduction Letter of our {$4700.00} payment from back in XXXX. And my next paycheck on XX/XX/XXXX will have yet another garnishement. This is totally unacceptable and lack of responsibility on Midland Credit and lack of willingness to help in this matter.