davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
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. (DE)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX - Balance - {$7900.00} XXXX XXXX XXXXBalance - Date opened XX/XX/XXXXXXXX XXXX XXXX  XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX- XXXX Balance - Date opened XX/XX/XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$20000.00}, {$610.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Newrez mortgage company violated federal law 1024.37 ( c ) ( 1 ) ( i ) by sending me a notice of forced insurance on my home. The first notice violated 1024.37 ( c ) ( 1 ) ( i ) because they informed me that they were purchasing insurance inside of the required forty-five days notice from the date coverage ended due to being dropped by my insurance company. My coverage ended XXXX/XXXX/22, they sent the first notice of purchasing forced insurance on XXXX/XXXX/22. They received my new information info on XXXX/XXXX/22, the date they also cancelled the forced insurance. There was no reason to charge me for insurance they chose to purchase.
Consumer complaint received 2022-08-17
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. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC. (NC)

On XX/XX/2022 I opened an HSA account with XXXX and submitted paper work to initiate a transfer from Optum Bank HSA to XXXX account. I contacted XXXX a few weeks after that to ensure I didn't have to submit any more paperwork and they said that the ball was now in Optum Banks court. 

Last week I called Optum Bank inquiring about the status of the account. I noticed i still had money in my optum bank account, when it all should have been liquidated. They had no trace of the rollover. I spoke to two different people. One of them requested I fill out this form : XXXX XXXX XXXX  even though this form clearly states its for transferring an account from an institution INTO optum bank, not the other way around. The person advised I liquidate my investing portion of optum bank, as they wouldnt be able to transfer what was invested. I have liquified my investments, and now I am worried that it is going to take a long time for them to straighten everything out and I could lose out on potential market gains. 

I initiated another transfer from XXXX hoping that this time it will actually go through.
Consumer complaint received 2023-03-09
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$4100.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$520.00} ; XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX  ) Balance : {$620.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX  Balance : {$710.00} ; XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX  ; XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2019-09-10
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 have asked for the method of verification used, as there is an item being grossly mis-reported on my credit report. I did not purchase a vehicle using a leasing company, and have proof of direct purchase from the dealership, directly. I have provided this proof, only to be told that the investigation has been deemed verified by the " debtor '', whom I have no dealings nor contract with. 

How can it be verified then? 


Someone is in violation of FCRA laws, and if this is not corrected, I will be forced to seek litigation. 

Please be advised that I am once again exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX   verification is unacceptable. I am requesting a re- investigation along with your method of verification.
Consumer complaint received 2019-01-17
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: Midwest Recovery Systems (IN)

I have a derogatory mark on my credit report by Midwest recovery systems. For XXXX dollars. I have never heard of this and it dropped my credit by 40 points!!
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Going over my credit report, I have found it contains many errors. I request your investigation of the following " personal information ''. For the record : 1.  My name is XXXX XXXX XXXX. Please remove all other name variations IMMEDIATELY they are not accurate! 2. My current address is XXXX XXXX XXXX, XXXX, FL XXXX Please remove all other addresses and another name IMMEDIATELY they are not accurate!
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX XX/XX/18 page 15 of 16 Error as duplicate address of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX as duplicate there is no need for duplicate address. this same pattern by Experian goes on and on. Please stop I have some hired to watch my report with wrong information and duplicate address.
Consumer complaint received 2022-08-17
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. (GA)

There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to XXXX, XXXX and Equifax to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Continental Finance Company, LLC (OH)

The week of XX/XX/XXXX I have been in contact with this collection agency who I believe is a law firm but they did not clearly identify themselves ; they are XXXX XXXX XXXX (? ) I believe and they are trying to collect on a debt they say I havent paid on since XX/XX/XXXX. The debt is a credit card called " XXXX '' which is provided by Continental Finance. 

When they first contacted me they left a voicemail saying there was a litigation pending against me and I needed to call them right away- I called them on XX/XX/XXXX I believe to find out what the debt was and then they explained it was for the XXXX  card and if I did not pay up right away that they would go ahead with the litigation and garnish my wages ; I have not received anything in the mail about any proposed litigation or court date, nor have I received anything in the mail to show what my current debt amount is. The first time I spoke with them they asked for {$100.00} right then and there and as I said this was not my pay week they didn't care as they then said I could pay {$500.00} on Friday of this week ; when I spoke to them today XX/XX/XXXX, I reinforced the fact that I did not have the money to pay but I could possibly give them {$500.00} by Friday if they can email me a statement of the details of my debt ; they said they were unable to do that and they were not going to do that because it's an old debt so it doesn't matter anyway. 

The collection agency representatives were very rude and harassing and accusatory ; they have called my job multiple times which I would like them to stop doing and they have not started with any garnishment which has been confirmed by my payroll department, but they continue to threaten that. 

Their contact # is XXXX
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (IL)

credit card is fortiva XXXX i went online made what the computer said as my min payment of XXXX on XX/XX/XXXX. than i went back online later to check and they charge me a late payment. i cld told the woamn i paid what computer said was min due woman said doesnt matter im not removing the late payment fee i than demanded her to cancel the card and now i look and they have also added a over credit limit fee. i want both of these fees removed. i did pay what the system said was min payment due.
Consumer complaint received 2019-01-17
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)

My credit reports at TransUnion, XXXX  and others are showing that XXXX XXXX has reported 2 credit card accounts in my name. I filed Disputes with both using their on-line form, stating that I have no knowledge of any such accounts. They have both responded that they investigated and that the reported information was verified by the reporting entity. Their investigation did not request nor does it require any providing of any sort of proof, but relies solely on the word of the reporting entity. 

This lack of a need of proof leaves the consumer vulnerable to fraudulent reporting and to being charged higher charges for bad credit when these reporting agencies are allowed to report as they please, with no oversight or consequences.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I applied an Amex/XXXX credit card with the welcome bonus XXXX XXXX points. 
After I spending exceed the reward credit limit {$3000.00}. I didn't receive the points. 
I called Amex credit card customer service and was informed that my welcome bonus has been declined with no reason. I have been trying to contact them again but Amex is keep telling me to wait and even one guy said the points was declined by XXXX. After that I call XXXX 's customer service and was told that XXXX has no right to decline anything because the points should be given by Amex.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (ME)

MRS BPO LLC has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 
Alert Details Alert Date XX/XX/2018 Source XXXX  XXXX MRS BPO LLC Address XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/2018 Balance {$220.00} Is anything incorrect? 
Visit Dispute Center. This Company has done this over and over to me.this is not right this was paid and remove from my credit reports in the past.I want them to have to pay for damages to my credit
Consumer complaint received 2022-08-17
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. (GA)

There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to Transunion, XXXX and XXXX to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Re : XXXX XXXX acct. # XXXX and XXXX XXXX XXXX  acct. # XXXX Dear Sir or Madam, Your company received notification from the following credit bureaus ; Experian, XXXX, and XXXX  explicitly stating that I am a victim of identity and that debts incurred with your company are indeed fraudulent. You were sent copies of an identity-theft report filed with the federal trade commission along with an sworn identity-theft affidavit from all three credit bureaus. Unfortunately, these debts are still being reported on my credit reports. Having debts reported that I am not responsible for shall be deem as defamation of character and considered inaccurately reporting debts to consumer reporting agency 's. With that being said, you are in violation of the FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. Continuously, having debts reported that I DO NOT OWE is a misrepresentation of my true creditworthiness. Failure to removed these debts within fifteen days from my credit report ( s ) shall lead to complaints filed with the XXXX XXXX XXXX and a class action lawsuit for various violations of the fair credit reporting and the fair debt collection practices act as follows reporting inaccurate information, defamation of character, and punitive damages for receiving unfavorable terms on loans due to your reporting of inaccurate information on my credit report ( s ) Thank you.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (WA)

A payoff was submitted to my credit card company on XX/XX/XXXX through an escrow account and the credit card company cashed the check on XX/XX/XXXX but didn't apply it to my account. 
I called an opened a case with them on XX/XX/XXXX # XXXX and they advised me that the payment was not applied to my account but to a general clearing account. They are trying to track it down and as of today, they can not find it to apply to my account. The payment was for {$14000.00}. 
I was advised that my next payment is due in 2 weeks and they hope to find it by then.
Consumer complaint received 2019-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/2017 I decided to pay off a credit card balance of {$490.00} owed to capital one and I received a receipt for my payment.I am now being hounded by XXXX XXXX XXXX, XXXX for that same bebt.I sent them a copy of my receipt and they now reported it to the credit bureaus
Consumer complaint received 2023-03-09
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. (MO)

In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under law 1562 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : DEPT OF ED/XXXX Account Name : 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. States : It also states a consumer reporting agency can not furnish a account with 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 than adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s- ( A ) ( 1 ) A person may 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 2022-07-08
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  account # xxxxxxxxxx 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 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

Since XX/XX/2019, Equifax has now spent nearly 90 days on my file and as of today 's date XX/XX/2019, they have not composed a simple personal statement unto my credit file as I have stipulated in plain, simple English. 

Equifax has acknowledged me as being a victim of identity theft but refuses to honor my XXXX insurance company claim regarding the same.
Consumer complaint received 2022-07-15
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: U.S. BANCORP (OH)

I called in to dispute a charge XXXX XXXX XXXX XXXX keep charging after I canceled then in XXXX of this year. .The rude customer service agent kept asking me to verify who I and my son was. The more I verified The more she went on to the point of hassasment. Her Supervisor was more ignorant and rude then she was telling me they will call back XXXX Hours. After I verified my name DOB expiration on my DL, My Email address, Whats the year and make of my new 2022 XXXX XXXX and she just wouldn't stop, so I put a stop to it. I'm XXXX XXXX XXXX with many credits issue Cards and never been hassas like this.My son takes care of all my business and they seemed to had a problem with how I or he handled mine business. This must be investigated for Elder abuse.. 
My Insurance company is part of these unprofessional US Bank State Farm. I'm lodging a complaint with corporate also about how customers are treated. You can't even redeem rewards points on the site.