davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX / XXXX XXXX U.S.C. 1681 section 602 A states I have a 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 permission, consent, or instructions. 

4. XXXX XXXX XXXX Acct # XXXX a. Company does not have a contract on file. The company denied my consumer right to receive a contract. 
b. I have attached documentation from the company denying me the right to receive the contract allegedly on file. 
c. The company failed to notate that the account was in dispute after I sent them a direct letter of the dispute via Certified Mail XXXX d. Violation of my consumer and privacy rights i. 15 US CODE 1681e ( b ) ii. 15 US CODE 1681a ( 2 ) ( A ) ( i ) iii. The Privacy Act of 1974 5 U.S.C. 552a e. Attached documentation has been provided to show that this company failed to provide a contract with my signature after requesting it. I have also attached the dispute letter that was sent to this company as well The letter sent to them was very clear and precise in what I was requesting and they intentionally and fraudulently failed to provide me with this information.
Consumer complaint received 2021-12-15
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 disputed these items on my credit report multiple times I have not heard anything from XXXX of the main credit bureaus XXXX XXXX and transunion I have not received any notification or any verifiable information for these accounts on my report this is truly hurting me because I am trying invest in my business and my credit report is hurting me
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (MA)

On XX/XX/XXXX-19 CMC funding sent us a late notice stating that we had not made our XXXX payment but our web bill pay from our checking account showed that the payment was sent and received and cashed by them on XX/XX/XXXX. We have spoken to supervisors and various people and still our account has not been updated or changed and we even had to pay the late fee for XXXX.
Consumer complaint received 2021-12-15
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. (ID)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2022-07-06
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. (IL)

Hi I am submitting this XXXX XXXX this isn't 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 21 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 XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-04-19
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 — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION (FL)

To whom it may concern, i was working on refinancing my loan back in XXXX and XX/XX/XXXX, my refinance was finalized in XX/XX/XXXX and my mortgage for 2 properties were paid off in XX/XX/XXXX. Originally, the refinance was supposed to be finalized in XX/XX/XXXX but was delayed 1 month. I made my mortgage payments for both loans for XXXX as soon as I found out that the closing is not happening until XX/XX/XXXX. I paid both mortgages from the same back account on XX/XX/XXXX. Both payments went through and I received a confirmation. only to find out on XX/XX/XXXX that my payment to Suntrust  was returned, I called Suntrust and they couldn't find the issue so they submitted a new request and the payment went through. I don't understand how the payment for 1 mortgage went through but not the other. I had over $ XXXX in the account I paid from. Both accounts were paid off on XX/XX/XXXX. I don't think it is fair for me that my credit score is ruined by over XXXX points because of this mistake. I had the money to pay my mortgage, i made my payments within the month of XXXX and both mortgages were paid off on XX/XX/XXXX.
Consumer complaint received 2023-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

On XX/XX/XXXX I received a letter from Credit Collection Services stating I owed {$120.00} to them on behalf of XXXX XXXX. Soon thereafter, I authorized payment of {$60.00} to be removed directly from my bank account on XX/XX/XXXX and {$60.00} on XX/XX/XXXX via bank draft to be taken directly from my back account for Credit Collection Services. 
Afterwards XXXX kept sending me messages stating I needed to make the payment of {$120.00} again. Therefore, on XX/XX/XXXX i paid {$120.00} directly from my bank account via Bank Debit Card payment to XXXX from my banking account ( see attached receipts and bank statements. 
On XX/XX/XXXX i received a refund of {$120.00} from XXXX. On XX/XX/XXXX I called XXXX and asked them why they sent me a refund. After placing me on hold for about 10 minutes XXXX came back online and stated they sent me a full refund because I already made my payment in full with Credit Collection Services ; However, Credit Collections continue to share negative, inaccurate and false information on my credit report after i made all reasonable attempts to resolve the balance by paying in full. I would like to request for this false, inaccurate and negative information to be removed from my credit report. It is not okay for information to be displayed on my credit report stating i have paid XXXX dollars after i have shown evidence i have paid this account in full. 
I would like to ask What kind of games are you playing with me here XXXX and Credit Collections? I have provided all of my proof of scheduled payment to credit collection services and I have provided additional proof of payment to XXXX and proof of refund from XXXX. As of today I owe XXXX and Credit Collection Services no new debt and I would like it to be displayed on my credit report as of XX/XX/XXXX I paid my account in full and i would like the negative information to be removed completely from my credit file from all three credit bureaus.
Consumer complaint received 2024-02-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation (LA)

I have a complaint about One Main Financial. I have recently had trouble with them, and XXXX is extremely rude when I question anything about my account. I have got to where I refuse to talk to him. He also calls my phone so much it is borderline harassment. When I do not answer after calling literally every minute for 5 minutes straight they call my mom and tell her a crazy story about my account. I go on the website and set payments up for the next month. Whether it is every two weeks or every week. I have never had issues like I am having now. I paid my XXXX payments in 2 payments, but now the office here is saying I did not pay it. My past payments show I paid it, and then it shows a reversal of the payment. How did that happen when I did nothing to reverse it? I also have nothing on my bank account showing where it even tried to go through since they are trying to say they got my payment back, saying it was NSF. My bank said these payments never came through the bank. I get paid the night before making the payments, so I know the money is there. I have proof of all of this. Something needs to be done quickly. What can be done? Now I am being told the way I make my payments each month is not good enough. In 2 days my payment will be complete for XXXX and they are telling me it is not good enough.
Consumer complaint received 2021-08-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (IL)

L J ROSS ASSOCIATES at XXXX XXXX XXXX, XXXX, MI XXXX has been sending me collection notices in the amount of {$460.00}. The collection has been reported as past due. I do not know this company. I have never did any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have had some issues with my information being compromised.
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

This is a follow-up to an earlier complaint ( # XXXX ), Wells Fargo sent a letter to me, dated XX/XX/19, stating that they could not address issues related to my son XXXX 's account without a letter from him. XXXX sent them a letter, signed by him, on XX/XX/19. A Word copy is attached. I have called the bank to point this out. The person who wrote the letter refuses to talk to me, and said file another complaint. So I am doing so.
Consumer complaint received 2024-02-16
Product: Credit reporting 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)

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 15U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX, Department of EducationXXXX XXXX XXXX, XXXX XXXX # XXXX XXXX 

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

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

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

I RECENTLY PULLED MY CREDIT REPORTS AND FOUND INFORMATION LISTED THAT SHOULD NOT HAVE BEEN THERE. I OFTEN PULL MY EQUIFAX REPORT BECAUSE THEY ARE THE REASON MY INFORMATON WAS LEAKED OUT IN THE FIRST PLACE. DUE TO THEIR HUGE BREACH THAT THEY KEPT FROM CONSUMERS. I NOTICED THAT THERE WERE A LOT OF XXXX XXXX XXXX ACCOUNTS THAT HAVE BEEN CLOSED THESE ACCOUNTS WERE OPENED IN XXXX AND YET THEY ARE STILL REMAINING ON MY CREDIT REPORT. I CONTACTED XXXX XXXX XXXX ON TODAY ( XX/XX/XXXX ) AND ASKED QUESTIONS ABOUT MY CREDIT REPORT. I WAS MET WITH HOSTILITY AND QUESTIONS THAT DID NOT PERTAIN TO ANYTHING LISTED IN MY CREDIT REPORT WHICH I HAD IN FRONT OF ME. PER EQUIFAX " CLOSED ACCOUNTS STAY ON YOUR CREDIT REPORT FOR 10 YEARS SINCE THE DATE OF LAST ACTIVITY '' I HAVE A COPY OF EACH OF MY CREDIT REPORTS. XXXX  IS DOING THE SAME THIG. THEY ARE REPORTING AND UPDATING XXXX XXXX XXXX ACCOUNTS AND THAT WERE OPENED IN XXXX. THEY HAVE BEEN CLOSED BECAUSE THEY HAVE BEEN CONSOLIDATED. AND WERE CONSOLIDATED YEARS AGO. XXXX  IS DOING THE SAME. THESE COMPANIES WERE SENT A IDENTITY THEFT REPORT AND REFUSED TO REMOVE XXXX AND XXXX. ONCE I CONTACTED THESE COMPANIES THEY SAID THEY WERE NOT MADE AWARE THAT A IDENTITY THEFY REPORT HAD BEEN ISSUED. XXXX  SENT ME A LETTER STATING THAT THEY HAD CONTACTED THESE COMPANIES. THEY LIED. THERE NEEDS TO BE AN INVESTIGATON DONE INTO THESE CREDIT BUREAUS BECAUSE THEY ARE CRIPPLING CONSUMNERS BY REPORTNG FALSE INFORMATION AS WELL AS UPDATING INFORMATONON THEIR OWN.
Consumer complaint received 2020-02-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

I opened my IRA in PNC in XXXX ( no minimum required and no fee ). In XXXX and XXXX, there were no fees charged. In XXXX, I left PA for training but still got my mail and all notifications. I just got back from training and recieved my XXXX statement a few weeks ago. I noticed a {$25.00} fee. I looked back at my other statements and through every single piece of mail. {$25.00} was charged for {$2000.00} also ; there was no reason given nor notification sent. The {$25.00} was more than I earned in interest! I called PNC on the XXXX and they claimed it is a custodial fee they " recently started '' and issued because I had less than {$2000.00} in the IRA. I informed them I have many IRAs and have never been charged a fee 'all of a sudden ' and I was never informed upon opening the account to have a certain amount in. That and for 2 years, I was never charged .... They said " as a one time courtesy, we will give you {$25.00} back '' .... I want the {$50.00} back and the ability to either put the money in to not get charged again or just transfer it out to another IRA. They said they'll have to charge for the transfer ... .. Four weeks have gone by now and PNC is still not able to admit their mistake upon charging me and will not put the remaining {$25.00} back into my account. It is absurd to have to pay PNC for holding my retirement money for me and 1. not make any money for it 2. not be able to have this quickly rectified so I can do my part and put money in until its due and take it out w/out yet another fee.
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (FL)

Hello, my name is XXXX XXXX, and Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. tel:13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. tel:13407 ( 1 ) BREACH OF SECURITY. The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

YOU HAVE 30 days or you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on. The items I need deleted are listed in the report. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( inquiry. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the ( accounts ) in 15 days I will take legal action.
Consumer complaint received 2021-12-15
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. (MD)

FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I DO NOT VALIDATE THIS DEBT
Consumer complaint received 2015-06-03
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NY)

I filed a complaint with American Express and it seems that they have overlooked my issue and concern and have not fully investigated my problem. 
american express claims that since the merchant allegedly try to contact me that the issue could have been resolved however indicated to them that no one has contacted me other then to purchase more items at a higher quality. American Express seems to be taking the side of the other party without fully taking into consideration of what I have endure by making a purchase using their American Express protection plan. It seems as if they do n't want to hear my side of the situation and it is making me feel like I am being discriminated against. I have lost money due to purchasing this product and no one has addressed that issue. American Express has also failed to fully investigate the faulty items I received and solely sided with the other party because they claim the other party has offered to replace the item with a similar item. With all due respect if the item I purchased was damaged why would I want to buy the very same item again? I would rather take my business elsewhere. Furthermore I have several of the items which are faulty in my possession. 

Thank you for your time and attentionPlease see below in that American Express failed to respond to the Better Business Bureau with regards to my matter. 

Complaint ID # : XXXXBusiness Name : American Express Financial AdvisorsThe XXXX has made several attempts to contact the business regarding the above referenced complaint. We regret to inform you that we have not received a response from the company. 

The XXXX develops and maintains Reliability Reports on companies in our service area. This information is available to the public and is frequently used by potential customers. In the case of your complaint, the company 's failure to promptly give attention to the matter will be reflected in the report we give to consumers about them. 

If the company has contacted you in the interim, please notify the XXXX immediately at the address or e-mail provided below. DO NOT RESPOND DIRECTLY TO THIS E-MAIL, AS IT WILL NOT BE RECEIVED BY THE XXXX. 


Sincerely, XXXX XXXXDispute Resolution SpecialistXXXX Complaint XXXXXXXXXXXXXXXX Serving Western XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (KY)

My Avant card states that if you can avoid paying interest on your card by paying it off in full by the payment due date. On XX/XX/2021, I paid my statement balance in full and payments are due on the XXXX of the month. When I received my next statement there was interest charge for {$4.00}. I immediately contacted Avant and was told that the interest could not be removed so I ask to speak with a Supervisor. I spoke with XXXX/Supervisor and explained that I am a good customer, I pay more than the minimum due and this time I paid the balance in full before the due date but was still charged an interest fee. XXXX stated that I needed to pay my balance in full 2 months in a row before they would waive any interest fees. I told XXXX that did not make any sense, if I paid my balance two months in a row there would be no interest to waive. And their statement says that if I pay it in full during the grace period which I did, there would be no interest charged. XXXX refused to waive the late fees and I informed that I would be filing a consumer complaint, they are taking advantage of customer with false information. There has not been any purchases on my account for months, just interest charges.