davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the account completely from my Credit Report : XXXX XXXX XXXX
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX all accounts listed are being incorrectly reported
Consumer complaint received 2022-03-08
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. (NJ)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX BANK XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

Hello I have a checking account and a debit card with Citibank When reviewing one of the statements I noticed a charge called " Foreign Transaction Fee '', I looked further and it turned out I was charged XXXXUSD of this fee in total over the past 15 months or so I raised this in the bank 's branch and ask to refund the fees as I wasn't aware about them, they told me that they notify the new clients about the fees and refused to refund it.., but I was never notified about this fee, neither verbally or in writing. Also other banks have never charged such a fee to myself so I couldn't imagine it was possible.. 
Can you please advise what could be my potential next step to try and have this fee refunded? 
If it helps - the Citi bank 's person name who refused to refund the fee is : XXXX XXXX ( Vice President, Branch Manager, NMLS ID : XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX ) thanks a lot in advance for your kind help with this have a nice day!
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Redfin Corporation (WA)

Redfin Mortgage handled our mortgage loan origination, and we were misled throughout. We were baited with appealing interest rates that they did not deliver, kept on the hook while they 'investigated " credit worthiness for weeks, only to be told they would stick to the original, flawed credit information that we had diligently corrected and for which we provided evidence. Being that the sale was scheduled to close a couple of days later, we were forced to stick with them instead of using a different lender. Throughout the process they kept losing documents and failing to convey information to the next person in the closing workflow. Only countless hours trying to fix their errors and laziness kept the closing on track.

After all of this, Redfin Mortgage transferred the loan to XXXX XXXX  dba XXXX XXXX, and they could not be bothered to pass on relevant information like our homeowners insurance policy. This resulted in the servicer, XXXX XXXX, threatening to charge us for high-priced, low-quality insurance. 

I would NEVER, EVER deal with Redfin Mortgage again.
Consumer complaint received 2022-03-08
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. (NJ)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the account completely from my Credit Report : XXXX XXXX XXXX
Consumer complaint received 2018-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jonathan Neil & Associates, Inc (TX)

To whom it may concern, I am being charged twice by a company which is attempting to collect a debt. They said I did not pay a bill to XXXX. I had been a long-time customer with XXXX and I gave notice to cancel my car insurance some time around XX/XX/XXXX in XXXX prior to moving to XXXX full time. To my knowledge, after cancelling with them, I never received any further bills from XXXX. 

On XX/XX/XXXX I received a notice from : XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX ( they dont answer their phones I left many messages explaining I never received a bill. 

Since I live in XXXX, I did not want to hassle with this nor did I want anything to effect my credit rating in the states so I and went ahead and paid {$69.00} ( which is what they claimed I owed ) on XX/XX/XXXX. I used my XXXX XXXX XXXX. They cashed it *see below and then, they recently sent me another notice to pay them the same debt. They sent that notice on XX/XX/XXXX. 

This is what appeared on my XXXX bank statement DescriptionTypeAmountXX/XX/2018Online Payment XXXX To Jonathan Neil & Associates , Inc XX/XX/XXXXBill payment {$69.00} I do hope you can help me. 

Thank you
Consumer complaint received 2018-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank is trying to take advantage me because I am XXXX. ( 1 ) They are putting false information on my credit report. They claim I own them money but state of limitation has pass to collect. ( 2 ) They have no contract with me with ink. I will like for Wells Fargo bank show me the original contract I sign. Pick one out of XX/XX/XXXX, we can meet in XXXX and I have expert look at contract to prove that not valid contract. 
This is not first time Wells Fargo Bank discriminate against people. 
On XX/XX/XXXX, Wells Fargo & Company ( Wells Fargo ) entered into a settlement agreement with the U.S. Department of Justice ( Department ). The Agreement requires Wells Fargo to compensate ( pay ) certain individuals who experienced XXXX discrimination in violation of Title III of the Americans with Disabilities Act ( ADA ) when trying to call Wells Fargo, visit one of Wells Fargo 's banks or retail stores, or otherwise access Wells Fargo 's services.
Consumer complaint received 2018-08-02
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: Experian Information Solutions Inc. (MD)

Experian is reporting an account with XXXX XXXX  that has surpassed the Credit Reporting Time Limit. The last status update occurred on XX/XX/2009 and indicates a Paid, XXXX Balance ; however, this account is well beyond the 7 year Credit Reporting Time Limit.
Consumer complaint received 2021-06-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Equifax continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Equifax 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section 1681c does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. TransUnion has abided by the guidelines set forth by the FCRA and removed the bankruptcy, yet Equifax continues with the erroneous misinterpretation of said guidelines.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Equifax must delete this information from my credit report and send me an updated copy when this action is completed.
Consumer complaint received 2018-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

I opened one account with XXXX XXXX XXXX for a wireless phone. I paid consistently on my bill. Somehow, there were 2 accounts created when I did this, and XXXX XXXX XXXX already told me I only owe {$170.00} total. They couldn't even figure out what the other amount was for. They admitted they had never seen this before, but it was their mistake. So of {$360.00}, I ony actually owed them {$170.00}, which I have paid. The XXXX   people called the debt collection agency, Diversified Consultants, Inc., and while I was there XXXX and I both spoke with the collection agency. They agreed to lower the amount that I owed to {$170.00}. I paid the amount a few days later. But there's still a balance of what was left from the {$360.00}, and it ended up on my credit report. XXXX  can not do anything about it but said to dispute the charges with Diversified Consultants.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience. 

In Violation of Consumer Law 15 U.S. Code 1681b Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom is relates.

Each Account is owed {$1000.00} due to Violation
Consumer complaint received 2022-03-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I SUBMITTED DISPUTES AND DOCUMENTS REGARDING INFORMATION THAT SHOULD NOT BE REPORTING ON MY CREDIT REPORT AND BY LAW THESE ACCOUNTS SHOULD BE REMOVED IMMEDIATELY. I AM IN THE PROCESS OF PURCHASING A HOME AND GETTING A SBA LOAN BUT THE ACCOUNTS ARE HOLDING ME BACK. THIS IS DEFLAMATION OF CHARACTER AND FRAUD.
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/2018 ( just now ) I applied for a XXXX XXXX XXXX Consumer Credit Card under the promotion I would receive {$45.00} credit on a purchase today, over {$45.00}. I followed the prompts, applied, was accepted. One of the conditions of the promotion was that I make a purchase today with the new card. However that was not possible. I did not have a credit card number and nothing in the checkout or my account allowed me to use the new account. I called ( XXXX  ) XXXX, XXXXXXXX XXXX Consumer Credit Customer Service. The answering operator gave me some double talk so I asked to be escalated and spoke to a manager. They could not give me the means to comply with the terms of the promotion so I canceled the card. The XXXXXXXX XXXX Escaltion Operator said she would make a note of this on my account but refused to give me anything in writing to that effect and did not guarantee that would allow me to meet the terms of the promotion. Meanwhile I received an email from my credit reporting service that my credit score dropped 20 points from this inquiry and the resulting change in credit parameters.
Consumer complaint received 2023-06-13
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2022-03-08
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 — Their investigation did not fix an error on your report
Company: American First Finance, Inc. (CA)

Account Number XXXX Name AMERICAN FIRST FINANCE and XXXX are falsely reporting an outstanding balance of {$2400.00}. 

AMERICAN FIRST FINANCE and XXXX are falsely reporting monthly payment updates/account activity/ active payment history on the account. The account was was charged- off on XX/XX/XXXX. The account is inactive since that time. 

AMERICAN FIRST FINANCE and XXXX falsified the last payment date on the account. XX/XX/XXXX, the last payment was changed from XX/XX/XXXX to XX/XX/XXXX by AMERICA FRIST FINANCE, there was no payment made. 

AMERICAN FIRST FINANCE and XXXX are manipulating the statue of limitations by showing activity and negatively impacting my family beyond measure. I've worked really hard to maintain good credit throughout the pandemic. The false appearance of recent derogatory events is impacting my ability to obtain decent housing.
Consumer complaint received 2018-08-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Credit Corporation (CO)

Nationwide Credit Corporation ( XXXX, VA ) continues to call me daily to collect a {$40.00} medical debt from a doctor I do not believe I have ever seen. 

I have spoken with their representatives many times over the past month or so. They are generally nice until I request a Debt Verification letter, then they turn hostile and begin shouting at me. I understand my rights and will not make a payment until they have provided a verification letter. I have no problem paying this debt if it is in fact mine, but I don't think it is. 

They claimed to have sent a letter to me, but I have not received one. I asked if they sent it certified, but they declined to answer, so how do I know they sent it or are just lying like another shady debt collector? I can't possibly know!
Consumer complaint received 2021-12-01
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian, XXXX, and XXXX credit bureau are reporting that I have a collection account with XXXX XXXX in the amount of XXXX dollars for services rendered for a medical procedure. They are reporting a date of XX/XX/2018 as the date of being delinquent, when in fact this collection is over 6 years old. The debt has been recently sold to a new debt collection company and The collection has be re aged which is illegal and has caused my credit score to drop significantly. I opened a dispute with Experian and the results stated " Updated '' but the dates were not updated and nothing was changed on my credit report to reflect the correct delinquent dates. This collection is showing on my credit report as a new collection and only reflects that it has been 1 month since the collection was opened instead of a collection that is over 6 years old. Please correct and advise.
Consumer complaint received 2022-06-21
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. (IL)

I received a copy of my credit report and around XX/XX/XXXX I asked for an investigation on my consumer report it came it came back on XX/XX/XXXX with some of the accounts deleted but XXXX XXXX  was still present it did not have my original contract dates it did not have my original balance it did not have my payment history and it had been sold to a dead buyer this account appears twice on my TransUnion account with web XXXX XXXXXXXX and also XXXX the account number is XXXX I have not received any written authorization to disclose my credit file the opening date is not accurate the last active is not accurate please delete this account so violated my rights to 15 USC 1681 section 604a section 2 the law clearly states a consumer report agency can not furnish an account without my written instruction also 15 USC 1681i section 61158 l I I it states that items are found inaccurate or can not be verified the consumer reporting shall be promptly deleted and the information from the file of the consumer
Consumer complaint received 2023-01-27
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-06-21
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 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