davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit 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 (CA)

My wife and I got sick during our fly from XXXX XXXX to XXXX XXXX, XXXX. 
I asked, our taxi driver, to stop by in a pharmacy, on our way from Airport to the Resort on XX/XX/XXXX. I got XXXX XXXX XXXX  ) medications totaling XXXX  ( XXXX XXXX items ( Enclosure : ActionCertified # XXXX with price tags in XXXX ) and was wrongfully charged {$1900.00}. The receipt ( Enclosure : Pop ) was in XXXX pesos and I couldn convert them in to USD because my internet service was down. The pharmacist promised me the price is going to be around {$200.00} and I will get my itemized check by email shortly. I did not had any contacts for the XXXX XXXXXXXX XXXX, so I emailed to US Bank ( Enclosure : ActionEFaxes # AA ) and faxed them forms ( # A and # B ) to XXXX from the US Bank Branch in XXXX XXXX, as they required ( Enclosure : ActionEFaxes ). I sent the certified letter ( Enclosure : ActionCertified ) after talking to XXXX and XXXX, who told me, that they need more information on my dispute # XXXX. On XX/XX/XXXX, I spoke with XXXX, who was very rude to me, saying : contact the merchant and ask them to return your money! Looks like, if you got robbed, you have to catch your robber and kindly ask him to return the money, yes?
Consumer complaint received 2019-10-03
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. (FL)

I don't recognize this inquiries. I never applied for it. I have heard of companys pulling your credit without permission and I know that it is not allowed. I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses
Consumer complaint received 2019-10-03
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: Experian Information Solutions Inc. (FL)

I don't recognize this inquiries. I never applied for it. I have heard of companys pulling your credit without permission and I know that it is not allowed. I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

My complaint is against Comenity bank / XXXX, account # XXXX XXXX XXXX XXXX, open XXXX, credit limit {$500.00}, in XXXX balance at the moment. I sent a dispute letter to the mentioned company back on the XXXX of XXXX by mail because it is the only way you can dispute with them. Checking my reports and saw no dispute marks, they not only disregarded my dispute letter but they didnt even took the decency to investigate my account after receiving my dispute notice. This is a clear violation to the Fair Credit Reporting Act. This mentioned company has a late mark in my account which I was never late. Their negligence as evident is causing me a great financial problem. I do not want to take this case to court, but this unfair business practices, negligence, fail to investigate my account and if I seat down with my lawyers the list of violations will just increase. Im using the  Consumer Financial Protection Bureau as my last resource to try get this company to remove that negative mark from my reports and provide me with a deletion letter through CFPB portal as soon as possible. If I have to take this case to court and let a judge decide this dispute I will. Im attaching letter I sent to them and proof of that they received the mail. Thank you!
Consumer complaint received 2020-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (AK)

Hello, I consolidated my federal loans in XX/XX/XXXX. The consolidated loans were held by ACS and not transferred to XXXX until XX/XX/XXXX. The payments during this time period are showing as unpaid and not counting towards the PSLF. There is not a clear direction as to who to contact or have this corrected given they are no longer in service. I was told at the time that you could have any servicer and that when it was transferred to XXXX the payments would count. XXXX is saying the information was not transferred to them regarding the number of counts. Of course this was nearly 10 years ago and the information was incorrect and misleading.
Consumer complaint received 2023-01-30
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 Report act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 year.

15 U.S.C. 1681s-29 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$240.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I was denied credit in XX/XX/2020 due a locked Equifax credit report. I attempted to resolve the issue online but Equifax wouldn't recognize my primary or secondary email accounts. They are impossible to reach via telephone. 

These attempts at contact were followed by an XX/XX/XXXX, 2020letter explaining my quandry and asking Equifax to unlock my credit report. This letter went unanswered. 

Thank you.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

I received serval responses to the disputes Ive made under FCRA 611 ( a ) regarding the information on my credit report ( an alleged Bankruptcy chapter XXXX  account unverified information ). I was furious to learn that they obtained unverified information from XXXX and elected to leave the disputed item on my credit report as accurate. I was very interested to know how their investigator ( s ) arrived at this erroneous conclusion that the information the company ( XXXX ) reported to the credit bureau is accurate. I requested a complete list of all documents and correspondence between them and XXXX, verifying the disputed information. I specified that they included all names and contact information of employees that they spoke to as part of the investigations. XXXX is not listed on my credit report as a creditor and I have no affiliation with them. The US Bankruptcy Court of NC XXXX is the creditor listed for reporting the alleged Bankruptcy chapter XXXX account unverified information. But the credit bureaus said they verified the information with XXXX and not with the US Bankruptcy Court of NC XXXX so there is no valid basis for claiming the alleged Bankruptcy chapter XXXX account information on my credit report is true. 

Due to my frustration, I reached out to the court listed on my credit report US Bankruptcy Court NC XXXX, to dispute the alleged Bankruptcy chapter XXXX information reporting and was advised that they have no affiliation or communication with any credit bureaus relating to bankruptcies. My repeated disputes were they said the verify the accuracy of the information being reported was a lie and they ignored all my requests, which is another violation of Federal Law and evidence so they willfully disregard the law. I advised them that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. and I request that they do this immediately.
Consumer complaint received 2020-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ftc violations n the state of Texas, debtors are primarily secured against harassing and deceptive collection acts by the FDCPA or Fair Debt Collection Practices Act. Under this act, debt collectors are forbidden from : Repeatedly or continuously calling debtors or creditors. ... Violently threatening creditors.XX/XX/2015
Consumer complaint received 2023-01-30
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. (MO)

In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 year.

15 U.S.C. 1681s-29 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-10-22
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 disputed the inaccurate reportings with XXXX, Experian, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX : XXXX is reporting a payment status of current with no late payments, Experian is reporting a payment status of current with no late payments and XXXX   is reporting a payment status of current with late payments of 30 days in XXXX and 60 days in XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2020-10-09
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. (OH)

Experian is PREFERRED LEASE as late. This late payment was corrected in the XXXX  and XXXX, but Experian refuse to correct the payment history as this as account was not late. 

PREFERRED LEASE # XXXX Please correct payment history as you are in violation of my rights and COVID-19 law as well. 

If not corrected this information is inaccurate and requires deletion!
Consumer complaint received 2018-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC (NC)

I found out there was a medical collection ( account XXXX for {$260.00} from XX/XX/2012 ) from PMAB , LLC on my XXXX  credit report that I do not recognize. I tried calling PMAB multiple times and left voice mail messages, but never got a response. I opened a dispute with XXXX  said they reported that the account belonged to me, but I do not know what it is or what it is for, and I still have not been able to get a response from PMAB. I have attached the relevant snippets as supporting documentation. I can be reached at XXXX or at ( XXXX ) XXXX. Thank you in advance, XXXX
Consumer complaint received 2023-08-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

I submitted a request to transfer {$16000.00} on XX/XX/2023 from my XXXX by Goldman Sachs high yield savings account and the transfer was rejected. I currently live in Florida and am in the process of closing my old checking account ( XXXX XXXX ) and opening a new checking account ( XXXX ) so that I have access to a brick and mortar physical bank. I funded my XXXX XXXX with a majority of funds from XXXX XXXX and some from my new XXXX checking, so both are linked accounts. I requested a transfer to XXXXXXXX XXXX  and XXXX said my new XXXX checking account had not been linked long enough and they rejected the transfer. I am in the process of closing on a real estate transaction and will now miss my closing date. XXXX will only allow me to transfer to my old XXXX checking account that I am in the process of closing. Had I already closed my XXXX checking, then I would have zero access to any of my money in the XXXX XXXX until a certain amount of time has gone by ( 3 months is that I was told by one rep ). How can a bank not allow me to access my own hard earned money?
Consumer complaint received 2020-10-12
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. (NY)

I reached out to Experian, XXXX  and XXXX  about two accounts that show different info on all 3 reports. I ask to have the two accounts validated Because I don't believe it is mine nor do i believe the account is a valid one since none of the info matches across all 3 reports.They are all failing to report accurate information which means they need to delete these account from my credit profile by law. 

Please see documents uploaded.
Consumer complaint received 2020-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I was the victim of identity theft. Someone leased an apartment in my name and was evicted by default judgment once they didnt pay. Fair Credit and Outsourcing is reporting this debt on my credit bureau reports even though the debt was the result of identity theft.
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

The credit card was issued by USAA. The credit card was used for general purchases and also was used to automatically pay my monthly auto insurance premiums with USAA. USAA is not SUPOSSED to assess interest, fees or charges on amounts in dispute. Over the years of being issued the credit card by USAA there were several times when I reported to USAA that a particular charge was being disputed. I would not pay those amounts in dispute but, would pay the balance of the amount due. Contrary to USAA 's started policy and legal requirements, USAA would always XXXX interest/fees/charges on the disputed amounts. When I would call USAA about the interest/fees/charges, they would acknowledge their error and removed the illegal interest/fees/charges. Several months ago USAA had interest charges on my monthly statement. When I asked why, I was told that I had not paid the previous month 's bill. I found that to be illogical since I did not receive notice that my auto insurance monthly premium was late or not received ( recall my auto insurance premium was automatically paid with my USAA credit card ). After several conversations with USAA employees I was told the illegal interest/fees/charges would be removed. I asked the USAA employee to let me know the balance due. When I did not get a reply to the latter request, I mailed in what I estimated the balance due. I thought all had been resolved but, the next statement I received still had interest/fees/charges in spite of being told all had been removed. I had numerous conversations with USAA. I was told there would be an investigation. Months would go by and no one from USAA would contact me about the results of the " investigation ''. When I called to ask about the investigation I was told the matter was closed. Finally, I was told that USAA would not remove the interest etc because I had requested on previous occasions a removal of such charges and these charges were indeed removed. But, the previous instances of interest etc being removed was interest illegally charged by USAA on amounts in dispute. Therefore, this is a baseless reason. I am requesting that USAA remove all interest etc. from my account and contact the credit reporting agencies to withdraw any reports fo delinquency.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

My wife and I co-signed on a home loan for our daughter in   XX/XX/XXXX . The  loan was through  XXXX   XXXX . I n  XX/XX/XXXX  our d aughter having had medical problems neglected to inform us that she was behind in her payments. We immediately resolved the issue bringing the account up to date. Since the account was 60 days past due  XXXX   XXXX  reported this to the major  Credit  reporting agencies resulting in our  credit score fa lling from the  XXXX    XXXX   to the  XXXX    XXXX  . We had never been informed by  XXXX   XXXX  that the account was overdue. We called the  XXXX   XXXX   XXXX  departm ent (   XXXX   XXXX   XXXX   ) an d were informed that they are not required to notify the co-signers of past due payments. If that is the case ( and law ), then why should they be able to report this to the credit reporting agencies affecting our credit?.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  Va  XXXX
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony bank care credit card has negatively reported on my credit report even though I told them and show proof that I was in a mental health facility since 2018. 
On all my credit reports I have placed a personal statement that says that I am a victim of identity theft and under no circumstances credit be extended to someone without first answering security questions. I am mentally XXXX and on also on a fixed income and this has caused me great distress and that led to my recent hospitalization. Synchrony bank has removed other accounts that they deemed as identity theft and had them removed. This care credit account is under Synchrony Bank and also fraudulent. This is affecting my ability to move to a safer environment where I don't have to be concerned about broken into mail boxes and identity theft.
Consumer complaint received 2021-02-23
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)

I have contacted XXXX, XXXX and Trans Union letting them know the information on my credit report is fraudulent they refuse to remove several accounts and inquiries, they also had several names and addresses that are not mines including to ssn numbers. after i have sent over proper documentation supporting my claim. The law states they must report accurate information. Upon checking my credit i discovered my information such as my ssn, email address, address and name was found on the dark web and they are reporting false information needs to be removed immediately.