davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NV)

I have sent SEVERAL letters and made multiple uploads to Experian in response to my credit file. Experian has not contacted me in regards to these letters or requests. Experian has BLOCKED my phone number from their system and I am unable to call them. They had me on written correspondence which I have sent in over 15 times along with 4 uploads to the website with no acknowledgement. The company needs to call me immediately and assist me with my credit file and they need to take me OFF written correspondence or I will be seeking legal action against the company.
Consumer complaint received 2018-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

After looking at my credit report in XX/XX/2018 I found a medical debt on the report I did not recognize. I sent the debt collector a Demand for Verification by Certified mail Return Receipt demanding verification. The debt collector did not respond within 30 days. In fact they still have provided no verification. I spoke to a representative of the company on XX/XX/2018 and asked where the information was being sent. She informed me that the letters were being sent to an address I did not have and have not had for over two years. In the validation letter my address appears in BOLD print on all 3 pages and under the signature. Yet they did not respond to that address. They did not list the debt as disputed on my credit report during the validation period. I spoke with the President of the company and I explained that his company failed to respond and asked that the report be removed from my credit bureaus reports. He stated he couldn't do that.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account accounts listed bellow have violated my rights ; XXXX XXXX XXXXXXXX Account ID : XXXX Account Number XXXX XXXXXXXX XXXX XXXXXXXX Account ID : XXXXXXXX XXXX Account ID : XXXX Account Number XXXX Collection agency XXXX XXXXXXXX Account ID : 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 2021-10-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LDF Holdings, LLC (MS)

On XX/XX/2021 I email the company to revoke my ACH payment for the XXXX XXXX. In the contract it states that I have to call or email 3 or more days before the payment is due. On XXXX XXXX I called at XXXX XXXX. to make a payment from my debit card but to realized that they have already ACH my account already. I informed them that I email them and they told me that they didn't receive any email from me. About XXXX. I received an email from them about revoke the XXXX payment and which I replied to showing where I emailed on XX/XX/XXXX. They still insist that I didn't email them and they I had the wrong email address, but I replied to the email that they the sent me to show where I email them on XX/XX/XXXX. I told them I wanted them to refund me that payment because I followed what the contract said to do and they breached the contract. They have refused to do anything.
Consumer complaint received 2019-08-21
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. (LA)

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. XXXX XXXXXXXX XXXX XXXX  (Original Creditor: XXXX XXXX CENTER)XXXX(Original Creditor: ) XXXX(Original Creditor: ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-10-26
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Mortgage was paid in full XX/XX/2021. Today, XX/XX/2021, received a letter dated XX/XX/2021 indicating that they received a request for transfer of deed in lieu. I contacted Champion mortgage to return the unused portion of the insurance premium a few days after closing. Almost 6 weeks passed and I called again because it hasn't been received and was told that it was sent to the wrong address after I have received NUMEROUS documents from them. They are withholding the unused insurance premium and sending documents for me to sign for a deed in Lieu when the property has had a new owner since XX/XX/2021 and they have had payment in FULL. 
This is the worst servicer I have ever dealt with and I work in the mortgage banking field!
Consumer complaint received 2019-03-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (FL)

As of XX/XX/XXXX I have been requesting proper verification such as contract for this account this company MIDLAND FUNDING has attempted to sue me in a state I no longer reside in nor have resided in as of XX/XX/XXXX. One case was initiated in XX/XX/XXXX in the state of New Jersey and another one on  XX/XX/XXXX. You did not give me any notice of these two account nor allowed me to properly dispute my information. I have been a XXXX XXXX XXXX since XX/XX/XXXX in the state of XXXX. Someone FRAUDULENTLY signed.
Consumer complaint received 2019-08-21
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. (LA)

I have disputed the student loan account with Experian for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete this ASAP, this is very disappointing and is affecting my credibility for loan applications.DEPTEDXXXX XXXXDEPTEDXXXX XXXXDEPTEDXXXX XXXXDEPTEDXXXX XXXXDEPTEDXXXX XXXX
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AE)

I recently applied for a XXXX XXXX XXXX, XXXX World Mastercard card. I was denied the card based on outdated information used by XXXX XXXX XXXX. My current credit history shows no judgements, they are basing the denial on outdated accounts, an information that has been deleted from my credit report.                  My current credit scores with the major 3 reporting agencies shows my scores are all over 800. I currently earn an income of over $XXXX  dollars.  I feel this in violation of the Federal laws, also I have been a customer of XXXX XXXX XXXX since XXXX. I am a retired military veteran (XXXX).                  I feel this is a discrimination, based on my age, and ethnicity, the wording of the rejection insults my intelligence and shatters my belief in the american dream, that if you work hard, acknowledge your mistakes you can achieve your financial dreams in America. I would not have filed this complaint if my credit scores and my savings were not good. But to deny me this credit card based on old information and not my current credit score is just wrong. I am hoping your office can get XXXX XXXX XXXX to recant this decision or explain their interpitation of federal law. I am attaching a copy of the rejection letter for your review.Very sincerelyXXXX XXXX. XXXX
Consumer complaint received 2019-08-21
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: EQUIFAX, INC. (LA)

I have disputed the student loan account with Equifax for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete this ASAP, this is very disappointing and is affecting my credibility for loan applications. DEPTEDXXXX XXXX; DEPTEDXXXX XXXX DEPTEDXXXX XXXX; DEPTEDXXXX XXXX; DEPTEDXXXX XXXX;
Consumer complaint received 2022-04-29
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-11-24
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)

I submitted a dispute with Experian and XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. the first letter I asked them to verify that the accounts in question belonged to me. The letter sent on XX/XX/2020 was a follow up letter asking them for the results on the 1st dispute. The letter sent on XX/XX/2020 was an intent to file a complaint for the accounts that were not properly investigated by them. This letter also pointed out facts of the accounts that showed that these accounts are reporting inaccurately. some of this letter was typed which I will attach and the factual inaccuracies were handwritten, which I am unable to attach. For example, each bureau reported different dates as well as different amounts. Also, they were also reporting different amounts. I sent regular letters as well as certified letters asking hem why they were reporting different information if they are receiving the same info from a creditor. I never got a response. Just an updated account on XXXX and a dropped score
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over XXXX XXXX XXXX. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX  account XXXX
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

Someone stole my personal information and applied a Bestbuy credit card. But the address that the person used to applied the credit card account wasn't my address. It was my sister 's old address ( My sister moved out from this address since last XXXX but she goes to pick up letters from the old address periodically ). The credit card was mailed to my sister 's old address and my sister informed me on XX/XX/XXXX that I had a credit card sent to her old address. I was shocked because I never apply any credit card recently and I called the # on the back of the new credit card and informed the representative that it was a fraud and requested the credit card to be cancelled immediately. The representative confirmed me my personal information and cancelled the credit card and give me another phone # XXXX to call the coming Monday to place credit alert on my credit report. I was told the fraudulent amount is about $ XXXX.The representative also told me this will be investigated by the ID Theft department and the result will be mailed to me within 30 days. 
I placed freeze request on credit report for 3 credit bureau immediately after the call. 
I also called the investigation department on XX/XX/XXXX by XXXX. I also told the same thing. This issue is under investigation and result will be mailed to me within 30 days. 
Besides that, I received credit card denial letters from XXXX and XXXX XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (FL)

This concerns Binance.US. On XX/XX/21, I mistakenly sent the incorrect cryptocurrency to my Binance wallet. The currency in question now has a market value of over {$40000.00}. This represents a large portion of my investment portfolio. Since, the cryptocurrency I sent is unlisted, they now refuse to reverse the transaction. In effect, they have access to the asset, but for technical reasons refuse to send it back. If a bank accidentally put money into my account and I refused to give it back, Id be charged with theft. Many consumers have complained about the inability to recoup unsupported assets that they have mistakenly sent over. This is a big issue with both Binance and XXXX. The fact that a company can refuse to turn back over property mistakenly sent should be considered a crime. People are going to make mistakes. They shouldnt lose their livelihood because a company refuses to turnover the individuals OWN property. I understand a fee being charged for the reversal, but refusing to do so at all is unacceptable. I am simply asking the individuals at Binance to return the incorrectly sent asset and allow me the dignity of being able to take care of my family. I have attached the XXXX to show the transaction from my account to the Binance Wallet. Again, this happens to so many consumers and we have no way of fighting back as these companies dont seem to have an rules that stops them from completely running us over.
Consumer complaint received 2019-08-21
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)

I went on a family vacation to XXXX  XXXX, XXXX on XXXX XXXX to XX/XX/2019. I booked it through American Express Travel in XX/XX/2019. When booking, I saw a deal on the fine hotel and collections section of the the travel benefits and booked through the vacation. It was presented to me on the website that I can stay at the XXXX-XXXX Hotel in XXXX XXXX for 6 night with 3 people. 1 adult and XXXX children ages XXXX   and XXXX years-old. The cost was broken down to me as such XXXX for the 6 nights plus XXXX  and additional XXXX Property Fees for (estimated ) taxes and fees. This is estimated total cost of XXXX. I said estimated because as I said before I was told that we I wont know the total fee and taxes until after the stay. Now, before booking I called american and spoke to a Rep who stated that they don't know was the fees are going to be but the taxes are 25% of the hotel daily charges. Ok, I booked thinking I am getting a deal. When I arrived the entire amount was charged for XXXX excluding beverages and activities done at the hotel. I disputed with XXXX while i was checking out, called American Express while I was at the hotel while I was there and they could not give me a accurate breakdown of the charges, but interestingly I was told I was charged an additional adult fee for my daughter who is XXXX  years old, So, it seems to me that American Express advertises for XXXX XXXX a false price misleading their customer in beliving that the fees and taxes may vary but you are pay what they are advertising. The reason I say that I still can't get a breakdown of what the fees were during my stay and the separate taxes despite contacting Amex.  I called Amex and they said that I was sent a letter detailing the resolution which I never received and will be sending out another in 7-10 days. I want to resolve this now its been 2 months. When I call, I have to speak to travel team, the platinum team. and switched among all these department to get what I was told to be one price Plus fees which were to be determine.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

I recently applied for a Bank of America, XXXX XXXX Mastercard card. I was denied the card based on outdated information used by Bank of America. My current credit history shows no judgements, they are basing the denial on outdated accounts, an information that has been deleted from my credit report.
                  My current credit scores with the major 3 reporting agencies shows my scores are all over 800. I currently earn an income of over $XXXX dollars.  I feel this in violation of the Federal laws, also I have been a customer of Bank of America since 2003. I am a retired military veteran (XXXX).
                  I feel this is a discrimination, based on my age, and ethnicity, the wording of the rejection insults my intelligence and shatters my belief in the american dream, that if you work hard, acknowledge your mistakes you can achieve your financial dreams in America. I would not have filed this complaint if my credit scores and my savings were not good. But to deny me this credit card based on old information and not my current credit score is just wrong. I am hoping your office can get Bank of America to recant this decision or explain their interpitation of federal law. I am attaching a copy of the rejection letter for your review.
Very sincerely
XXXX XXXX XXXX