davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
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. (MD)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NC)

On XXXX I called the cardmember services for the XXXX XXXX XXXX XXXX XXXX having just received in the mail the lasted statement. On the statement was a late fee of XXXX. I had made a recent payment of XXXX which is on the same statement. Previously, I had received on XXXX or XXXX XXXX. A payment late notice. Yes I had forgotten to make the payment due on XXXX. So, I immediately upon the notice phoned in the XXXX payment. Oddly it did not post until the XXXX. So, here we have a bank company that charges a late fee moments after the due date without any other consideration. I am remarkably unhappy about this and want a refund of the XXXX fee.
Consumer complaint received 2022-05-03
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. (MA)

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 Account number : XXXX, XXXX  XXXX XXXX XXXX. Account number : XXXX XXXX XXXX XXXX XXXX. Account number : XXXX XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-05-03
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. (CA)

For months of XXXX XXXX and XXXX the mortgage company said that I was late on payments but, I have sent proof and complaints dozens of times proving that I had never missed a payment.
Consumer complaint received 2019-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (IL)

I ordered laser checks from a branch of the bank and I was charged a fee. The checks were not what I ordered and they were not picked up at the branch. The branch then reordered the checks and I was charged another fee - but the original check fee was never reversed.
Consumer complaint received 2022-08-17
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

From XXXX XXXX to XXXXXXXX XXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Consumer complaint received 2023-07-04
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. (NY)

im not liable for this debt posted on my credit report. I do not have a contract or sign any documentation so how is these my accounts.I sent numerous letter in the past disputing the negative accounts.I sent out request to the original contractors asking for proof and all I received was a bill. XXXX does nothing to assist in this matter and continue to report on my credit please assist in these
Consumer complaint received 2022-05-03
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. (TN)

In accordance with the Fair Credit Reporting act Amerassist account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX CT TN XXXX account # XXXX, XXXX XXXX Bank account # XXXX, XXXX account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, and XXXX XXXX XXXXXXXX account XXXX XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-03
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. (TN)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX account XXXX XXXX have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

I mailed my payment XX/XX/XXXX. My payment was due XX/XX/XXXX. 
Comenity/Torrid did not post my payment until XX/XX/XXXX. I have been assessed a {$30.00} late fee. 

I called the Customer service number to have it taken off my account. They could do a onetime curtesy and take it off my account. I told them that I mailed it in plenty of time before my due date. The agent told me that it was not their problem that the US Mail was backed up due to the Holiday. I said that was not my problem either since I had it mailed in time. To get the onetime curtesy, I would have to listen to their disclosure. I told them they could say it, but I would not AGREE to it since my check was mailed and post marked before it was due. They told me that they could not delete the charge unless I agreed to the terms. I said I would call back with the law. 

When I called back, I explain everything again. Again, they said they would do a onetime curtesy. When I told them about the Postmark Payment Act of 2014 and that my check was mailed before it was due. They said that it didn't matter, their company policy was when they receive the check. They also told me that I should mail my check out 14 days before the due date I didn't do that. I did mail it out 14 days before the due date and they took 22 days to post it. When I tried to explain it again, the agent hung up on me.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a bankruptcy reporting on my account that I did not authorize or give permission to the credit bureau to report. I nor any of my friends or family were interviewed to verify this information. I have contacted the bureaus to validate how they obtained this information. I was not provided any documents that I signed, nor proven to give consent in any other way. XXXX has removed the bankruptcy from my credit report. The account shows up as XXXX  XXXX Bankruptcy : {$0.00} Bankruptcy Discharged XX/XX/2019 Reference number XXXX Date file XX/XX/2019 2019
Consumer complaint received 2022-05-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I have wired money from my bank ( XXXX XXXX  ) to XXXX. I wired {$500.00} and paid {$50.00} fee for that transaction. 
See attached first file for the record of that wire. 
On XX/XX/2022 I have wired money, second time, to the same bank in XXXX. This time I sent {$650.00} and paid another {$50.00} fee. 
See attached second file for the record of that second transaction. 
Then I received my monthly bank statement for XXXX. On it was a deposit from an unknown source for {$430.00}. Deposit was made on XX/XX/2022. The only description of that transaction was : XXXX XXXX XXXXXXXX. 
See attached third file. 
I filed a complaint with my bank about deposit from this unknown source. 
After an investigation, my XXXX XXXX  had informed me that, while XXXX XXXX  did send my wire through, an intermediate company had refused to forward my wire to XXXX. Rejection of my XX/XX/XXXX wire was made by J.P.Morgan Chase. {$430.00} deposit was J.P.Morgan Chase 's idea of a refund for the {$500.00} I had sent.

My bank had informed me to expect similar rejection of my second wire. 
I have now received my XXXX statement from my bank and, as I was told to expect, there is a deposit of {$580.00} made on XX/XX/2022, by an unknown source, with the only description of a transaction : XXXX XXXX XXXXXXXX. So, on this second transaction I have sent {$650.00}, but got back {$580.00}. 
See attached fourth file. 
The result of these 2 transactions : I have sent {$1100.00} to XXXX, but JP Morgan Chase has robbed my beneficiary of these {$1100.00} and put {$130.00} of that money in its pocket! 
The manager at my branch in XXXX XXXX  had informed me that they moved my initial complaint higher up and gave me the person higher up in XXXX XXXX  to get all the information that XXXX XXXX  has received. 
That person 's name is XXXX XXXX. His phone number is XXXX. 
He said he was not allowed to provide any documentation, but he did read me the statement he received from J.P.Morgan Chase.

Statement he read was : " Unable to execute due to internal policy. No OSAC  reporting made ''. 
( I am not sure if it was OSAC or OFAC report that was not made ). 

JP Morgan Chase is illegally robbing beneficiaries in XXXX and stealing senders money.
Consumer complaint received 2022-05-03
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. (TX)

On XX/XX/2022 I sent Equifax a letter via certified mail asking them to investigate and delete the following accounts due to multiple inaccuracies. In the letter I sent each inaccuracy was explained in detail. Enclosed in the letter I sent them was copies of my credit reports with all of the inaccuracies highlighted and circled. Today XX/XX/2022 I received their response in the mail. Instead them honoring my request they are requesting more information for proof of my identity which they already have. 

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  ( CLOSED ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # 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 2018-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (MA)

TD Bank did not send funds from my escrow account to pay for my homeowners annual premium before the due date. Consequently, my homeowners insurance company cancelled my policy for " non-payment of premium '' on XX/XX/18. I received the cancellation notice on XX/XX/18 - after the insurance company & bank had closed. I was a nervous wreck all weekend worrying about not having insurance. My premium was due on XX/XX/18. TD Bank didn't mail the premium until XX/XX/18. Insurance Company didn't received payment until XX/XX/18. I have been re-instated after many stressful phone calls. This should never have happened. My insurance company sent out the original premium invoice in XXXX. I called TD bank on XX/XX/18. XXXX assured me that payment was pending, but it was too early to send it..
Consumer complaint received 2019-02-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Greater Collection Agency Bureau, LLC (AR)

I have gotten voice messages from this company advising that law enforcement/legal parties were involved and that I absolutely had to give them a call back. When I reverse searched the phone number, I discovered it was a debt collection agency.
Consumer complaint received 2022-05-03
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. (MD)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. that states I have the right to privacy.

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

Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX.
Consumer complaint received 2019-03-20
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. (AZ)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-04-16
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. (TN)

I have sent 3 disputes certified mailed to Experian. They have continuously violated the FCRA. I have requested that these adverse accounts be validated by verifying an original signed contract with my signature on it. They have continuously failed to do so and have instead continued to " verify '' these accounts. They have yet to send me an original contract with my signature on it ( proof ). I have plans to litigate in small claims to fight for my rights as a consumer. I know the remedies for me for NEGLIGENT NONCOMPLIANCE.
Consumer complaint received 2023-04-08
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 Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account Number # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  XXXX  XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-29
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. (AZ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 it Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-11-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MA)

Had pandemic forbance due to wife not working. Wife still not fully back to work. Mr cooper sent someone canvassing my neighborhood looking for us to hand deliver a notification saying our forbance was up, yet the still left it in the mailbox. Mr cooper has no right to have someone bugging out neighbors looking for us.
Consumer complaint received 2020-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I tried contact with the bank citizen and sent the letter and evidence the bank not received and i called probably 25 times about the fraud of XXXX more fee the bank not give my money back i did the contact with business bureau the bank not did contact with me and not fix the situation, i loser XXXXa lot money and more fee of bank i am not happy with the customer service Clain XXXX
Consumer complaint received 2022-05-03
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. (MD)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. that states I have the right to privacy. 

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

Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX.
Consumer complaint received 2020-11-05
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Comerica (MN)

On Friday XX/XX/2020 I reported my Debit Card as lost to U.S. Direct Express. 

U.S. Direct Express of XXXX XXXX, Texas is the default debit card provider for Social Security Administration benefits. 

I needed an urgent replacement card so I requested an urgent expedite mailing fee of {$13.00} plus a card replacement fee of {$4.00}. 

As of XX/XX/2020 no replacement U.S. Direct Express debit card had been sent. 

I called U.S. Direct Express at XXXX to ask why my replacement card had not been sent correctly. 

When calling U.S. Direct Express their customer service did not provide me an option to talk to an agent over the phone & they informed me that my replacement card had been sent out on XX/XX/2020 instead of XX/XX/2020 like I had ordered. 

This is Fraud. I was charged {$13.00} & as of today XX/XX/2020 my replacement U.S. Direct Express has not arrived. 

This outrageous & very upsetting. My bills for the month are overdue & I face potential late fees or suspensions in service due to the negligence of U. S. Direct Express. 

I am not happy with U.S. Direct Express. In the past U.S.Senators XXXX XXXX & XXXX XXXX who claim to care about Social Security Administration issues refuse to handle U.S. Direct Express complaints. 

U.S. Direct Express is unaccountable & misconduct complaints are not effectively handled. 

Consumer Financial Credit Bureau Please help me & other Social Security Recipients who suffer from U.S. Direct Express complaints like this one. Thank you. 

Respectfully Submitted, XXXX XXXX XXXX
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called Transunion today, XX/XX/XXXX, to discuss the inquiry reporting issue that they had previously, but the customer service representative told me that she could not help me remove the invalid inquiries from my credit report. The invalid inquiries are as listed below : XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX  Requested On : XX/XX/XXXX