davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capstone Credit & Collection, LLC. (TX)

On XXXX XXXX I received a letter from Capstone Credit & Collections, LLC with the following statement : " As you are aware from our original letter, your account was placed with our office some time ago and remains seriously past due. As of this date, our client has agreed to settle the above referenced account for a lump sum payment of 75 % of the current balance if received within 30 days of the date of this letter. '' The problem, is that I never received any prior notification from this agency, or any information about the debt at all from the original creditor. 

After receiving the letter, I noticed a " derogatory '' account on my credit report - which of course had a significant negative impact. 

This debt was a surprise to me, and I feel the verbiage of the letter was intended to elicit panic and immediate action/payment on my part - and the fact that I never received any prior notification from them, seems deceptive and inappropriate. 

I am not sure of the timing of the debt, but from what I can tell, it is from earlier this year. I was employed prior to the pandemic, and assuming the debt was valid, could have investigated/resolved the issue before it suddenly appeared on my credit report. I have made an effort to repair my credit over the years ... and this surprise derogatory account on my credit ( with no prior warning - even from the original creditor! ) will certainly affect my financial recovery - and have a negative impact on my life.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MD)

Last month, they denied my application for the Chase Freedom Unlimited and said they would mail documents explaining why 7 business days later ; they never did. They also claimed on their response to the XXXX  complaint I filed on XX/XX/22 that they addressed these issues via a phone call -- they never did!
Consumer complaint received 2021-04-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (MD)

I'm being sued for {$25000.00} by XXXX XXXX XXXX for loans from XXXX and XXXX. 

They do not have evidence that had such a loan included in their trust before bringing on the suit. They said I made a payment in XXXX but have no records of it. 

The lawsuit came out of nowhere. I am currently a student and unemployed.
Consumer complaint received 2019-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sterling Infosystems Inc. (WA)

XXXX XXXX XXXX was contracted by a prospective employer to perform my background check. I provided contact information for my prior employer XXXX and a contact name and number, they failed to contact the company and or the direct manager contact I provided. They completed the background check, and they submitted the background report to my prospective employer and indicated my time and service length was in accurate. They put down that I worked at XXXX for 1 year and 8 months, simply because they were lazy and did not want to do the requisite call into HR at XXXX  and or my contact to verify my complete length of employment. I worked at XXXX for 1 year and 9 months as a XXXX and 1 1/2 years as a XXXX XXXX. Instead of XXXX XXXX XXXX doing the legal work they are supposed to by law, they decide to skate their professional responsibilities and submit a non-accurate employment timeline at XXXX  to my prospective employer. The report indicates a consider on this employment verification, when they should have called HR or my contact which would have provided the accurate timeline which I put down in the initial background check and would have closed this employment verification as complete. FCRA and federal regulations require XXXX XXXX XXXX to meticulously VERIFY before submitting to client. In this case, they not only didn't call to verify - choosing instead to type into an automated system, but they never called after the data mismatch to properly and meticulously confirm with a Human being, HR rep or my point of contact at the company. They instead submitted the inaccurate information in the completed report to my prospective employer and put CONSIDER on the results which is 100 % not accurate and reflects my submission in a negative light to the prospective employer. XXXX XXXX XXXX  has a long record of inaccurate reporting, they have had numerous lawsuits, class actions lawsuits, FCRA violations etc. I am reporting them for this and I am also filing an FCRA complaint forth with. They have tarnished my reputation, defamed my reputation and have caused undue harm and stress with this mistake.
Consumer complaint received 2020-08-03
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

1- XXXX XXXX XXXX ( Auto Loan ) 2- XXXX XXXX ( Credit Card )
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

Almost my entire credit report is missing. Dozens of accounts, inquiries, etc. that were once on my Experian report are now completely missing when I pull a report from the Experian website. This may be the result of my file becoming too large and it splitting into two, which would need to be rectified immediately to make it whole into one again. Otherwise, I would need an explanation as to why Experian arbitrarily deleted all this information.
Consumer complaint received 2023-07-20
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. (FL)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, XXXX Account name : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX, XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect?

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. I am trying to buy a home and this a defamation of my character.

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 an 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.

15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalidated credit information.
Consumer complaint received 2020-08-03
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

1- XXXX  XXXX  XXXX  ( Auto Loan ) 2- XXXX  XXXX  XXXX  ( Credit Card ) 3- XXXX  XXXX  XXXX  ( Credit Card ) 4- XXXX  XXXX   ( Mortgage Loan )
Consumer complaint received 2020-02-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$2100.00}, {$10000.00}, {$39000.00}, {$10000.00}, {$27000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account
Consumer complaint received 2023-07-19
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. (TX)

XXXX XXXX XXXX is reporting a account as a Repo and this account is A fraudulent account I have wrote them letters plenty of times and have never received a response from them.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (MI)

My dispersants where made to a completely different customer. And customer service/remediation has been non existent. 

Closing and official end of the 3 day cancellation period was on Monday XXXX I was notified that within the next 24-48 hours that payments would be wired. 
on XX/XX/XXXX I noticed no payment had been made to my checking and reached out to followup. XX/XX/XXXX I received a phone number asking for wire transfer information that I did not have. XX/XX/XXXX I replied to my closing expert about the issue and was provided a tracking number. There was no instruction or way to followup on the tracking number outside of business hours. 

On the morning of XX/XX/XXXX I called my bank to see if they could help with the tracking number, and they had no record of the transaction at which point we called in the Title company. We discovered by overhearing the conversation that the wire transfer had gone to a completely different person, bank, and account number. I was asked to provide my phone number so they could followup. 

XX/XX/XXXX noon no updates or response, I called and was able to touch base with another associate that was unaware of the issue. 
XX/XX/XXXX XXXX no updates or response so I reached out again. and received acknowledgement of the email, but no information. 
XX/XX/XXXX XXXX I asked what had been done, if anything had been checked, what the process was. 
XX/XX/XXXX discovered via an email reply that the title company is more concerned with recovering the mis-allocated funds than completing my request or responding to me.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (CA)

Company : American Express. 
Type of Card : Blue by American Express. 2 accounts.

Primary Problems : 1. Fixed rate was changed to variable rate without any notice, at all, and without my agreement ( I believe CFPB has fined Amex on this issue in the past. ) 2. Not only that, the base rate I was promised at time of opening the first account was also hiked without proper notice and without my agreement.

2. Excessive and unreasonable rate hikes made in violation of my rights under TILA and FCRA. Specifically, failure to restore APR rate after credit scores went back to the rate that they were before a score-based hike was made.

Secondary Problem : I strongly believe that American Express is discriminatory. Example : I have flawless credit history for the past 22+ years that I've kept account with Amex XXXX My credit scores, in that same time period has always topped XXXX and at one time reaching XXXX, XXXX percent of the time, only dipping below XXXX when I sponsored projects. Despite such remarkable record and in contrast to what expert authorities believe, American-Express fails to grant me appropriate credit limit amount, let alone a well deserved low APR, to meet my financial needs and goals, compared to the other companies I have accounts with. I am a XXXXborn US citizen XXXX I strongly believe Amex discriminates by race and by economic groups regardless how sound the credit background/history is. ( And I believe the CFPB has fined American Express for similar acts of discrimination. And I will be more than willing to assist the CFPB in investigating this. 

NOTE : this is not the first time that American Express has violated my consumer rights. Amex was not reporting my credit limit until I filed a Small Claims and then Amex credited me $ XXXX to drop the case. I did. Amex wants to do the same thing now but I refused because it seems clear that Amex knows exactly what it's doing and that it is illegal.
Consumer complaint received 2020-09-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NEW CITY FUNDING CORP. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Though these credit bureaus have been notified they're reporting inaccurate information they still continue to do so and have not been given MY permission to furnish this inaccurate information on my credit file.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control
Consumer complaint received 2019-07-16
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. (CA)

I recently reviewed my credit report and found unauthorized inquiries, I sent Equifax via certified letter tracking number XXXX XXXX XXXX XXXX XXXX which was delivered on XX/XX/XXXX @ XXXX XXXX identifying 19 Unauthorized inquires they refused to investigate or validate these, yet XXXX  has deleted all these Authorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I asked that they DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Equifax has violated my rights under the Fair Credit Reporting Act
Consumer complaint received 2018-11-12
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. (CA)

Hello. I looked into my credit report around XX/XX/18. I saw that my credit report had a XXXX credit card. I never signed up for one. So I disputed it on experian. They said that it was accurate. I called the XXXX XXXX and they said that there is a credit card with my social sercurity number on it but they can not discuss it with me since my name isnt on the card. I disputed it again with Experian and they are still saying that it is accurate. The has good history but its XXXX dollars limit. I would like to have the card removed from my report. ASAP.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AZ)

I deposited stimulus check of {$1400.00} prior to the cutoff time of 5pm est required by bank for check to be processed the same day and for funds to be available the next business day. Chime back is violating regulation cc by not making my funds available the next business day. Chime also breached the agreement set by the institution that states the the funds would be available the following business day. After speaking with chime, I am being advised that the funds would not be available until after the business day has ended. Chime is not only unnecessarily holding the funds but they took the liberty to repay the XXXX XXXX I was overdraft but did not make any other part of the deposit available.
Consumer complaint received 2020-08-03
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical  verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

1- XXXX XXXX XXXX ( Auto Loan ) 2- XXXX XXXX  XXXX ( Credit Card ) 3- XXXX XXXX  XXXX ( Credit Card ) 4- XXXX XXXX ( Mortgage Loan )