davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-01-27
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. (NC)

Please, please investigate Equifax Inc. 's practices! Please see my previous complaint - XXXX. After submitting my online dispute through Equifax and selecting the " I am no longer liable for this account. '' option, I explained to them that the accounts are greater than 10 years old and that there has been no payments or activity in more than 10 years. Equifax has notified XXXX XXXX that I said the account was fraudulent. I received a letter today from XXXX XXXX saying that my claim of fraud has been found to be untrue and that there are no signs of fraud. Just by coincidence, I received a call from the other company XXXX XXXX ( XXXX XXXX ). At XXXX XXXX, XXXX, from the Credit Bureau dept. called from XXXX. She was returning my call from XX/XX/20. I told her that Equifax was refusing to remove the credit inquiry. She insisted that they have to do this. I was finally able to view the status of my 3 disputes online. It appears that Equifax may be changing the dispute reasons. I never said that any of the reportings were fraudulent. I have indicated on each dispute, month after month, that the accounts are old and need to be removed. XXXX  XXXX states " We've finished our investigation on your fraud claim. Our research found no signs of fraud ... .If you have any other questions, please give us a call at XXXX ''. The extension is XXXX. How is Equifax allowed to tamper with their customer 's disputes? How is Equifax allowed to treat customers this way. Is there any organization that can investigate this company and make them abide by the rules.
Consumer complaint received 2018-07-30
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. (TX)

After dismissing an adversary proceeding XX/XX/XXXX, I was told by attorneys including XXXX attorney that they would work with me regarding paying back loan. I am currently unemployed. XXXX only agreed for reduction of payments for 9 months MGRS which is not helpful. The interest accumulates. I have other private loans. I asked for another solution and XXXX said nothing else was available. My loans went back to XXXX XXXX the original lender. XX/XX/18 XXXX offered forbearance but the form had to be mailed to me. XXXX XXXX XXXX from XXXX put account on hold waiting for forbearance. I filled out the form and faxed it to XXXX on XXXX as I was advised to and was told again by XXXX that forbearance was not available. XX/XX/18 received letter from XXXX that forbearance was approved. XX/XX/18 spoke to XXXX and told her my credit report was showing delinquent but my loans were in forbearance from XX/XX/18 to XX/XX/18. I am constantly given the wrong information by XXXX even though they escalate the call. I was told by XXXX that XXXX XXXX   didn't know that I had no options available.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I paid off a credit card with Bank of America and then they took a scheduled payment of {$100.00} that was not owed. I requested a refund of the {$100.00}. Bank of America mailed me a check for the {$100.00} which I cashed at my bank. Then I found Bank of America had stopped payment on the check. When I called and asked them about the stop payment they initially said I didn't cash it fast enough and it had expired. I cashed it the day it arrived. Then they said they had chosen to refund the {$100.00} back through my checking account instead of the check which is why they cancelled the check. There was no communication with me that the check was cancelled. As a result of my taking it to my bank I received a chargeback of {$8.00}. Bank of America should refund this chargeback as it was entirely their fault. 

XXXX XXXX XXXX at XXXX XXXX where I received the chargeback says they will only reimburse me for the {$8.00} if Bank of America will write a letter verifying they cancelled the check and sent the funds digitally instead. So XXXX and Bank of America are both terrible banks.
Consumer complaint received 2023-01-03
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. (CO)

The following credit bureaus have VIOLATED MY CONSUMER RIGHTS : XXXX XXXX Transunion 15 U.S.C. 1681 section 602 A States I have a 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. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose All three credit bureaus identify themselves lawfully as consumer reporting agencies according to their website ( s ) I was told several times by XXXX and other bureaus that they will refuse to remove information from my credit report because " I haven't verified my identity ''. I have already sent them numerous complaints with my correct information such as my social, mailing address from my banking statement, and government ID as well. 

I have reported this information that is invalid on my credit file the bureau has not been able to provide me with a copy of the verifiable proof. Telling me as the consumer that information on credit reports is verified without proof of my natural being signature and written instructions is unlawful. The bureaus aren't above the law and must remove the information listed below and the attached docs such as the identity theft report. 


Additionally, the failure to respond with a free copy of my report after the changes have been made will result in the damages created by the following bureaus ; XXXX, Transunion, XXXX The following damages will be taken to civil court on XXXX XXXX in XXXX XXXX if, monetary relief isn't given for the following damages : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 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 1692k states that I'm entitled to {$1000.00} per violation Each credit reporting agency owes me monetary relief of {$5000.00} in remedy Invalid credit inquires 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
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. (SD)

On XX/XX/2022 I was contacted by XXXXXXXX XXXX about suspicious charges on my XXXX XXXX XXXX. Approximately, {$14000.00} was fraudulently charged. I verified with XXXX that these were not my charges. They stated my address had been changed online and they updated it to my actual address and sent me a new card. The new card was intercepted by the fraudster and mailed to their home. XX/XX/2022 the newly issued card had approximately {$12000.00} fraudulently charged. Again, I called in and verified with XXXX that these were not my charges. They issued me a new card which was intercepted again by the fraudster and on XX/XX/XXXX, {$12000.00} fraudulent charges were posted. I have had to call XXXX 5 different times regarding this. They have nothing in place to verify address changes or suspicious activity on an account that already has recorded fraud. I just called XXXX because {$8000.00} is reported on my credit report. The person I talked to was not from the United States and was very unprofessional and would not answer my questions. He kept telling me my card would not be sent because the account was frozen. I called to find out why {$8000.00} was on my credit report and he became very rude and talked over the top of me and would not listen. I had to raise my voice and talk over him. He told me my fraud charges were under investigation but he would not answer my question as to why, of all of the charges that have been fraudulently posted to my XXXX account, {$8000.00} is hitting my credit report. I would have prefer to speak to someone who is more helpful. I ended up hanging up on him because he was rude, unprofessional, inept and obnoxious.
Consumer complaint received 2020-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (WI)

Fay Servicing LLC has not applied our monthly payments to our loan correctly in XXXX. In XX/XX/XXXX, our payment went up {$200.00} due to low escrow fund balance, which was not communicated effectively nor were we provided the opportunity to make an additional payment to bring the escrow up to the " proper amount '' and keep payment at same amount as arranged previously. We received a " notice of Default '' for XXXX, XXXX, and XXXX payments which were not applied to correct months. This was quickly rectified by sending in additional payments as a short-term solution. This was handled very unprofessionally by account management including Assistant and Vice President of Fay Servicing. From XX/XX/XXXX through XX/XX/XXXX, payments were received however funds were placed into suspense account still. Since the past four months have NOT been applied correctly to our loan, funds did not get applied to escrow account which fell short for year-end total to pay property taxes and now my escrow account is - {$600.00}. Also, because funds were not properly applied to our loan, the interest was not paid correctly for much of XXXX so the amount which is provided to IRS is not accurate. Through many, MANY hours spent making MULTIPLE phone calls talking in circles with unhelpful " supervisors '' who have not yet solved this year long issue that has caused so much emotional stress to our family. Fay Servicing has had 12 billing cycles to correct these errors but has not yet corrected this issue.
Consumer complaint received 2024-02-29
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. (TX)

I appreciate the time taken to address the removal of certain items from my file due to fraudulent activity. However, there are still several remaining items requiring attention. According to FCRA section 605, it is mandatory to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : 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  TRANSUNION 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. Please be advised that you have four business days to remove the reporting of any fraudulent items from my credit file. I do not consent to E-OSCAR or any form of automated verification. Your prompt attention to this matter and a response within four business days are appreciated.
Consumer complaint received 2022-05-02
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: JPMORGAN CHASE & CO. (CT)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX  XXXX, XXXX XXXX and XXXX XXXX, has over charged me. My bill was {$25.00}, however, I was charged {$70.00}. I tried calling the restaurant multiple times and after not getting an answer I went up there and spoke to the manager, XXXX. She told me that she would have it resolved in 2 days but after 3 days of not hearing from her I went back up to the restaurant to speak to her. She never fixed the problem so I filed a dispute with my bank and they temporarily credited {$44.00} to my account. As of today, I received a letter that the dispute has been resolved and they will remove the credit of {$44.00} from my account because provided documentation rebutted my dispute. However, as I looked through the evidence that Bombshells provided, it showed that someone did sign for a bill of {$70.00} for my card but I never signed anything. They did not show the signature, just when that person tipped. In conclusion, the server used my card to pay someone elses tab. I never signed off on the receipt of {$70.00}. I should not be held accountable for our waitresses mistake. I will attach the correct receipt, I only ordered 4 draft beers. As for the tip receipt, I got one but never got a pen so I took it with me and later noticed that it was the tip receipt to a man named XXXX XXXX at a different table which shows how easily XXXX, the waitress could have gotten tabs confused.
Consumer complaint received 2023-04-06
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

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
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TX)

A deposit was made to me in the amount of {$100.00} through CASH APP on XX/XX/XXXX. 
After the 5th day not received I went to my mobile device to have the money transferred to my checking account at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. 
It never arrived, I immediately called my bank on XX/XX/XXXX and consulted with a service representative who checked my account/transactions and could not find any deposit made to me from CASH APP during that month. I then called CASH APP again and told them what my bank said, they gave me a reference no. to give to my bank which again they looked up, still there was no such deposit made there was nothing they could do because their was no monies/deposit made. I contacted CASH APP again to resolve this issue they finally talked to my bank and are blaming my bank for the funds not arriving to my account and want to wash their hands of this matter and not refund me my money that they have lost. This back and forth has gone on for about 7 weeks to no avail, they are saying there is nothing they can do instead of refunding me my money since it was under there app. I contacted XXXX and CASH APP has only responded that they provided me with information on this issue but not correcting the issue. As of XXXX there is still no refund that I believe they owe me. The first Reference # is XXXX and when re-opened XXXX XXXX  XXXX. Thank you XXXX XXXX.
Consumer complaint received 2018-03-09
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: SYNCHRONY FINANCIAL (NY)

Recently, we received our annual cash back check for our XXXX XXXX XXXX. At that point, we realized that we never received a check for the previous year. We called to complain, and basically we were told that they sent us a check for over {$300.00} ( unfortunately, I don't recall the exact amount ), but since we never cashed it ( because we never received it ), they basically took the money back, and they refuse to do anything about it. We asked to speak to a supervisor ( and spoke with operator # XXXX ), and she told us the exact same thing. We feel that they owe us this money, and shouldn't be allowed to take it back simply because we never received the check.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. 

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 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 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 or 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 2021-06-25
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: TD BANK US HOLDING COMPANY (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine.