davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of account. I have been a loyal customer of your organization and have always appreciated the quality of services you provide. However, I have recently encountered an issue that I believe requires immediate attention and resolution. 

I initiated the process of opening account with your company. I followed all the necessary procedures and submitted the required documentation promptly to ensure a smooth and timely account activation. However, despite my efforts, account have experienced significant delays in being opened, which has resulted in various inconveniences for me, including [ mention specific inconveniences, such as delayed access to services. 

I understand that administrative processes can sometimes be complex, but the prolonged delay in opening this account has caused undue frustration and inconvenience. It is imperative that these issues be resolved promptly to maintain the trust and confidence I have placed in your company. 

I kindly request that you take the following actions to address this matter : Expedite the account activation process and ensure that both accounts are opened without further delay. 

If there are any additional documents or information required from my end, please communicate these requirements clearly and promptly. 

Ensure that appropriate measures are put in place to prevent such delays from occurring in the future, as timely service is essential for maintaining a strong customer-business relationship. 

I kindly request a response to this letter within the exact timeframe from the date of receipt. Failure to do so may compel me to explore alternative courses of action to resolve this issue. 

I value the business relationship I have with Credit Bureaus and hope that we can work together to rectify this situation promptly. I am confident that your prompt attention to this matter will help ensure our continued positive relationship. I am asking for your assistance to correct the account in my credit file : XXXX XXXX XXXX XXXX Balance : {$75000.00}.
Consumer complaint received 2021-12-07
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: LEXISNEXIS (PA)

I am submitting this complaint myself. There is no third party involved. 

The Fair Credit Reporting Act ( FCRA ) is intended to protect consumers from invasions of privacy, and my privacy as the consumer has been invaded ; I sent 2 letters already to this reporting agency where I provided my written instruction to remove/delete the Public Record ( Bankruptcy ), and if they could not remove/delete, I asked them to provide the investigated report that was used to verify this record, to provide written authenticated proof of authority sworn under penalties of perjury upon their commercial liability insurance, to provide written authenticated proof of claim sworn under penalties of perjury upon their commercial liability insurance, among few other things, to be able to verify/validate this record ; This company claims to have obtained this Bankruptcy record from XXXX XXXX XXXX XXXX but in the evidence I attached, you can see that United States Bankruptcy Court advised that they do not furnish this type of information to any Bureaus or Credit Reporting Agencies so why is this company reporting this ; Also, in accordance with 12 CFR 1022.41 ( c ) ( 2 ), a furnisher can not be a consumer reporting agency as defined in section 603 ( f ) of the FCRA, therefore, since this company furnished this record to the other reporting agencies such as XXXX and XXXX, these disputed items will need to be removed immediately.

Lastly, there are inconsistencies and inaccurate information across all three of my consumer credit reports which lack integrity from the furnisher ( s ) in accord with 12 CFR 1022.41 ( d ). For example, the Bankruptcy record in the XXXX report is showing a different address for the Court which is different than what XXXX shows, and XXXX does not have any address at all ; I asked for documentation to be provided to me if the disputed record can not be deleted and this has not been granted. Therefore, I want these removed as soon as possible if such evidence does not exist.

Proof of the letter from XXXX is attached.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX. I requested the credit card company dispute a {$3800.00} charge. I did not receive services from the company making the charge. On XX/XX/XXXX, I received word that no credit is due, no error was found. 
I want my money back.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After noticing my identity was stolen I notified Transunion, XXXX, and XXXX that there were fraudulent accounts and inquiries being reported without my permission or consent. Starting with US SM BUS ADMIN ODA XXXX XXXX, XXXX on XX/XX/2021 and XXXX XXXX, XXXX XXXX on XXXX XXXX, XXXX on XXXX XXXX, and XXXX on XXXX XXXX. I sent out my own letter not using a third party " credit repair '' service.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

After noticing my identity was stolen I notified XXXX, XXXX, and Equifax that there were fraudulent accounts and inquiries being reported without my permission or consent. Starting with US SM BUS ADMIN ODA XXXX XXXX, XXXX on XX/XX/2021 and XXXX XXXX, XXXX XXXX on XXXX XXXX, XXXX on XXXX XXXX, and XXXX on XXXX XXXX. I sent out my own letter not using a third party " credit repair '' service.
Consumer complaint received 2023-01-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Placement Services, LLC (IL)

I recently pulled my credit reports and saw multiple collections that are absolutely fraudulent and should be immediately removed from all my credit reports! 

this third party debt collector is violating my rights. My consumer report is inaccurate and unfairly reported. PROFFESIONAL PLACEMENT company, took information from an alleged creditor then reported this inaccurate information on my report without consulting me to confirm whether this information was accurate or not. 

i never received a copy of the contract between them and I and I never give my consent for them to do such things without verifying.
Consumer complaint received 2018-04-14
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. (FL)

m disturbed that XXXX and Experian are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. 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 rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/XXXX and reapplied/put back on to my credit file today XX/XX/XXXX. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Submitted documentation to have XXXX XXXX credit auto removed amount {$8100.00} fraudulent account. Account must be deleted by law from credit file.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-11
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. (TX)

This dispute is for an account balance via XXXXXXXX XXXX XXXXXXXX XXXX XXXX with a balance of {$230.00} that has been paid in full please remove from my report.
Consumer complaint received 2021-10-11
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. (TX)

This dispute is for an account balance via XXXXXXXX XXXX XXXXXXXX credit union with a balance of {$230.00} that has been paid in full please remove from my report.
Consumer complaint received 2021-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (MD)

On XX/XX/2021, I ordered a XXXX XXXX  ( # XXXX ) and used an Affirm loan ( XXXX ) to pay for it. Prior to shipment, I cancelled the order. XXXX XXXX  attempted to deliver the item, and I refused delivery. On XX/XX/XXXX, I wrote an email to Affirm explaining the order was cancelled and requested they terminate the loan. Affirm keeps billing me, and threatening to take adverse action against my credit for the unpaid loan. In XXXX, XXXX XXXX  issued a partial payment, leaving balance of {$99.00} for the delivery charge. I again disputed this because the order was cancelled well before the delivery. I do not have proof of the cancellation because the transaction occurred over the telephone. Meanwhile, Affirm continues to bill me {$200.00} ( as of XX/XX/2021 ) on a bill I do not believe I owe.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DE)

Good afternoon, I am reaching out today inquiring about a traumatic experience that happened to me some years ago and is past the statue of limitations period. I reached out to the fraud division years ago also reaching out to our Attorney General 's Office. Multiple times. 

I was the victim of an elaborate housing market scam in late XXXX during the housing market collapse. I was presented an opportunity with a person whos portfolio seemed solid and since I was very young I trusted them. At the time I was working for the state of Delaware as a pay grade XXXX or XXXX barely making XXXX, working with this person who informed me that flipping homes is a great investment and they would help me with whatever I needed. 

At the time I did not have much credit, but it also wasnt poor credit either, this person was able to scam and forge documentation to the point I was given a XXXX loan to flip a property at the following link. 

XXXXXXXX XXXX XXXXXXXX The person attended the closing with me, the lawyer kept asking me if I was SURE this is what I wanted, but I trusted them and said yes. After closing was complete, I never saw or heard from this person again for years. I also found out that the person who helped me was working with the seller of the home. Home was never finished, and when going to the county for answers I found that the property did not have water pipes, and was not even a residential property at all. I have found out that others have also been scammed and records show the father of the person who scammed me was the seller.

Also documents will show a misuse of my middle and hyphenated last name which proves that documents were forged.
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Bankruptcy Reference # 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 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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account XXXX XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, Chapter XXXX Bankruptcy Reference # 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 2021-10-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freedom Mortgage Company (CA)

I did agreement with the mortgage company to skip three months of mortgage with the amount of {$2700.00} Each total {$8300.00}. XX/XX/2020 XX/XX/2020 XX/XX/2020 the agreement is I will pay those three payments when I refinance my house or sell my house they put a Lean on my title Our agreement not to report me to the credit report as a delinquent they did I had to go through XXXX with them to remove the delinquent and they did fix it Im trying to refinance my home they violated the law with a written request to give me my payoff and timely matter then I find out the three payments Being five or six payments equals XXXX some change they deleted my refinance so I could stay with them and pay high interest rate they gave me a full speed off about that three payments I escaped and Im still battling with them they dont wan na listen
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TN)

I submitted financials and request for mortgage assistance with my Chase my mortgage company. Chase was processing my request for mortgage assistance when my home was sold at a property auction. I read when the Loss Mitigation dept. is processing a request for mortgage assistance the foreclosure sale is to be put on hold until the homeowner receives a denial from the mortgage company. Also the homeowner is given 30 days and a opportunity to appeal denial for mortgage assistance. I do not want to lose my home. I am requesting this wrongful foreclosure be undone, I feel I was discriminated against because of being elderly and a XXXX man. Chase has been unwilling to assist me with saving my home they are rude and not caring. 
I need Help, Help
Consumer complaint received 2024-02-06
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. (TX)

In accordance with the Fair Credit Reporting 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
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

None of my other cards have this problem. Citibank has prevented me from paying off my balance in full, which then forces a minimum interest charge multiple months in a row. 

The way they work it is : - the do not allow payments of more than the LAST STATEMENT balance. 
- they do not bill the minimum finance charge until the day the statement closes - this results in new charge for minimum interest AFTER paying off the statement balance, which then accrues interest until the close of the next statement. 
- this wouldn't be a problem if they didn't prevent payments of more than the last statement balance so I could pay the interest Next result : citibank has made it impossible to pay off the entire current balance including interest so that any single late fee results in a minimum of 2 months of fees. 

Every other card I have allows me to pay the CURRENT balance. That is all it would take to make it possible to incur a fee and pay it off completely on the next month.

Citibank has it set up so EVERY fee or interest charge results in additional fees ( minimum interest payment ) in the month following, so two months of paying fees for a single late payment.
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I dispute the ongoing presence of XXXX XXXX XXXX XXXX on my credit report, despite valid documentation and the bank 's verbal commitment for immediate removal. XXXX has already removed the account, highlighting a clear non-compliance with legal obligations on your part.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I disputed the follwing at Experian credit reporting agency. in addition, on XX/XX/2018, asked them to validate the debt. Experian failed to validate the debt and only updated the debt. 

Results Report Number : XXXX Date Generated : XX/XX/2018 XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 




Also, XXXX and XXXX could not validate this incorrect debt and XXXX and XXXX has removed the negative entry.
Consumer complaint received 2018-11-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My credit score I am in the process of fixing and I wanted to get a secure credit card to help rebuild my credit I went to the capital one website and applied for they credit card because they advertised in there ad that the will approve you if you are trying to rebuild your credit but that is not true all they did was run my credit knowing that they was not going to approve me and put another hard inquiry on my report and lowered my score even more I think that they should be sued so many people apply for they credit card due to they false advertising and all they care about is getting the business not caring that they have just put that customer in a worse situation even more because now that hard inquiry have cause they score to get even lower please help me stop these company from doing this to people and getting away with it thank you