davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I got unfortunately involved in a loan scam causing my vank account to be overdrawn XXXX. I reported the mobile deposited fake checks which they removed an sent back. However the money I used reluctantly to send the scammer gift cards they have deducted from account overdrawn me XXXX. I ok with being put on a payment plan for that which the bank refused to do. I am however without money for 3 weeks now past due on all my bills. I had a legal direct deposit go into account for XXXX which they won't release to me into another account I have opened to move my direct deposit to. They also refused me that. All they did was return XXXX for the return check fee but unfortunately all they did was deduct it from overdraft amount
Consumer complaint received 2021-05-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I sent a notarized letter 30 days ago to the bureaus. They have not responded. They are in violation of 15 usc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

To whom it may concern on XX/XX/2021 I provided XXXX XXXX, EQUIFAX with a letter that was sent certified asking them to correct my personal information to match my name and address listed on my goverment issued identification. There are still incorrect personal information being reported.
Consumer complaint received 2022-09-15
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. (IL)

I have new information about XXXX XXXX and Experian. XXXX XXXX and Experian is still breaking federal law per fair credit reporting act. XXXX XXXX and Experian has not exercised their grave responsibility for fair and accurate credit reporting. Ive tried on numerous occasions to get these late payments removed but they continue to break the law. XXXX has deleted the late payment from XXXX XXXX XXXX XXXX and XXXX XXXX and Experian has yet to comply with the fair credit reporting act and needs to be held accountable. I will provide the case number where XXXX has deleted the late payment COMPLAINT ID XXXX. XXXX XXXX and Experian need to delete the late payment from XXXX XXXX XXXX XXXX immediately or face the consequences of a lawsuit.
Consumer complaint received 2021-10-21
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: Experian Information Solutions Inc. (OH)

On date XX/XX/XXXX, I discovered ( XXXX XXXX XXXX/ XXXX XXXX XXXX with a account number according to my credit report begin with XXXX ) had been re-inserted into my credit file. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I was requesting Experian to please delete this item immediately. 

I read alerts on XX/XX/XXXX dated XX/XX/XXXX an unathorized dispute was place for XXXX XXXX stating it will take 30 days to complete then another alert dated XX/XX/XXXX same a second alert stated update completed and upated XXXX XXXX verified then place on my credit report. How is this possible that a dispute was fruadulantly placed under my Experian credit report that I never filed for XXXX XXXX then XXXX XXXX to be reinserted after 3 years XXXX that was reported as ID theft. I believe Target company somehow placed a dispute on my credit report for there company that was never on Experian, XXXX, or XXXX credit report for the year of XXXX Target bank was not on XXXX XXXX, nor Experian my credit report in XXXX. A unauthorized dispute for XXXX XXXX credit was fraudulanlty made that I did not authorize Experian because it was never on my credit file in XXXX. I have copies of my credit file for every month and days in between and XX/XX/XXXX theres was no XXXX XXXX credit account on my file. I believe a representative from XXXX made a dispute in my name XX/XX/XXXX without my permission to reinsert their company on my credit. How did Experian accepted a dispute on XXXX XXXX or on any company that was not on my credit file?
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-04-04
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. Please update this ASAP.
Consumer complaint received 2021-07-19
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. (ME)

EQUIFAX and XXXX Continue to List a XXXX XXXX  Card that was CHARGED OFF 7 Years ago for a Balance Amount that was {$240.00}, Because of FEES ; this was a SECURED {$500.00} Card with XXXX  that I CLOSED and asked that they pay off the Balance with Secured Amount- which they did MONTHS LATER- after Charging Fees, then CHARGED OFF the Account. There was a Balance because I did not receive a REFUND from XXXX when I moved across country. 
In XX/XX/XXXX, XXXX XXXX  STOLE Money from My Savings Account- and sent me a letter " Thank you for your payment '' ; they took funds to " Pay Off '' the Account they had CHARGED OFF Years ago- and NOW is Re-Aged as NEGATIVE ... 
I should not be penalized for 14 years for a SECURED Credit Card that XXXX mishandled. They have their money. 
I have US Mailed, and also Attached the Documentation to Web Disputes on MULTIPLE OCCASIONS- EQUIFAX & XXXX REFUSE to allow a NEW Dispute- and CONTINUE to Report this Account- NOW Re-Aging and Reporting as " Last Payment '' in XXXX. 
This Account was CHARGED OFF 7 Years ago- and they have the DATES Wrong- and they choose to put XXXX in XXXX of XXXX when the " First Delinquency '' as per XXXXXXXX XXXX  at the TIME was XXXX XXXX. AND it was CHARGED OFF in XXXX. 
This is XXXXXXXX XXXX  XXXX ending in XXXX. 
I have a Letter Dated XX/XX/XXXX FROM XXXX- stating that " account not open during requested time period ''. 
XXXX had maintained a {$5.00} Balance in my Savings Account- for Years- and only TOOK the Money for Credit Card AFTER they had applied the SECURED AMOUNT to the Card in XXXX, and AFTER they had Charged FEES, and then AFTER I had added to my Savings Account in XXXX.
Consumer complaint received 2021-07-19
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX According to my recent credit report request from XXXX, Experian, XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2014 I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA XXXX, XXXX, and XXXX ). Please Follow the Law Of The State of Mississippi
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (HI)

We had been told by Barclays that that we had deferred interest if we made a purchase from XXXX. We need to respond to the email or call if we wanted this offer. We replayed to email, now we are being charged interest. And was told by a customer representative that we never request this offer so we are being charged 24 % interest on purchase attach is email from Barclays and at bottom our request for deferred interest offer.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (UT)

Re : -XXXXXXXX XXXX JPMCB Card is reporting a debt on my credit file that is not owed. I recently pulled my credit and noticed that they are reporting a debt that is very old. I have checked my state laws and checked with my state Attorney General and this is way past the statue in Louisiana. Not only is it past the statue in Louisiana but past the credit reporting limit per the FCRA guidelines. This needs to be removed off my credit report or you are violating my rights under the FCRA!
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I called Mr. Cooper on XX/XX/21 to obtain the amount of principal that I could pay to have the PMI removed from my mortgage. They then told me that because I was wanting to have early removal that I had two options for having PMI removed and both options required that I pay them for an appraisal! 
I then did some research and found information about the Homeowners Protection Act and your website. 
Today ( XX/XX/21 ) I called them back and after they told me - again - that I needed to pay them for an appraisal, I mentioned the Homeowners Protection Act and then the representative informed me that if I sent in a principal payment that brought me to 80 % of the loan value that the would compare to Fannie Mae and would take it off. 
As I was about to ask for the address, she hung up on me. 
I'm not sure what to do at this point, but I will be sending in the amount needed and I guess follow up with them to get PMI removed. 
Thank you!
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Consumer complaint received 2020-11-03
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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (TX)

I have a loan with AMEX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and AMEX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RICHLAND HOLDINGS, INC. (NV)

Inaccurate reporting. I have had no business with ACCT CORP OF SOUTHERN NEVADA there is two different amounts being reported on my XXXX  account {$290.00} and XXXX  {$300.00}. Last reporting XX/XX/2020.
Consumer complaint received 2021-07-19
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. (CA)

XXXX  and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-05-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

In XXXX I was contacted by a debt collector called ( NATIONAL CREDIT SYSTEMS XXXX. XXXX XXXX, XXXX, GA XXXX XXXX. They informed me that there is a debt on my account from my previous apartment. I asked them what the reason was and they said it was due to a ruined carpet/rug and utility bill. I offered to send them pictures and bill proof to prove that I left the apartment in good condition since the leasing office refused to do a walk through with me but they declined. I asked for an evidence of their claim and they didn't respond nor provide them. I didn't know that they had already put an adverse report on my credit history ; sometime in XXXX, XXXX, when I ran a credit report, I found the adverse report and contacted. They said they were in the process of passing the case on to a lawyer and would be heading to court. I am a foreigner and the thought of going to court for something I didn't do, is so scary ; so I asked them what I needed to do and they said to pay every dime off and that it would be out of my report. I went ahead to pay for something that I knew absolutely nothing about all in the vain of continuing to live peacefully. I ran a credit report today ( XX/XX/XXXX ) and to my surprise the two negative reports are still in my credit report.
Consumer complaint received 2021-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

I wired Binance.us {$10000.00} on Sunday, XX/XX/2021. I paid extra for a " same day '' wire. It could not actually be done the same day since it was Sunday, but Binance had the funds by very early Monday morning ( I have confirmation from my bank on this ). Yet, 5 days later, the funds are still not in my account. There is an entry in my ledger that has said " Processing '' all week. 

They have no customer service phone number. They say the only way to resolve problems is via their ticket system. But, I filed a ticket on Monday ( and filed follow-up tickets ). They do not answer the tickets. 

This is a banking service. Delays cost people money ( assuming that this is just a delay, and the money has not somehow gone missing ). Binance needs to rectify this immediately. 

Additionally, I do not think any business that is effectively a bank and moves around large sums of people 's money should be able to just not have any live customer service. I do not know if there are any regulations to this effect, but if there are not and CFPB has any say in such matters, I would suggest that being contactable, the same day ( at least during business hours ), should be a requirement for a bank.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-09-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have applied for American Express and have been turned down five times, Im tired of denial dont approve people with perfect credit we all equal Im tired of being discriminated against just because of low credit, these credit acceptance is XXXX stop only accepting perfect credit people with XXXX if I can make payments then I should get approved I have a job dont only assume low score Im not a XXXXXXXX XXXX XXXXXXXX change your credit ways of approval
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I created an account to do a couple of background checks on renters for my one rental property. 

The website " links '' don't work. 

Information is supposed to be available for 30 days and within that time period, I CAN NOT access information. 

There is NO receipt for a background check that costs {$40.00}. How is there NO receipt for a transaction I paid for with a credit reporting agency. 

I can NEVER login and ALWAYS have to create a NEW password. 

This company seems like a scam and is extremely unprofessional.
Consumer complaint received 2021-05-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USCB Corporation (VA)

This company XXXX XXXX XXXX ALSO known as USCB says that I OWE $ XXXX. I have disputed to them numerous times over a 2 month period that that account was not accurate and i asked them if they could provide me a documented copy of my signature on paper. Ive requested to them with my disputes that they remove this incorrect item off my credit report and update immediately. I have not received any response nor have I received any removal off my credit report. I have reached out to them via phone and no luck there either. I know this account is incorrect and I need them to remove the debt immediately.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (TX)

GM Financial - on my credit file has reported multiple late payments on an account in which I was never late. This gives me reason to believe that this is not my established account. I have sent disputes to GM financial and requested that they forward to me a contract bearing my signature to authorize an account by this creditor. I sent this lender a dispute which entails that if they can not present to me a signed contract bearing my signature within 30 days, this account must removed from my credit reports. GM Financial has sent me a letter acknowledging the possible fraud on my credit file. I have included my relevant dispute documents with in this complaint.
Consumer complaint received 2021-05-29
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 — Their investigation did not fix an error on your report
Company: Onity Group Inc. (TX)

I have a XXXX Balance and Closed Account with PHH Mortgage, as of XX/XX/XX/XX/2021 
On XX/XX/ XXXX XXXX of Obudsman and PHH Mortgage Servicers reported a Negative Remark to XX/XX/XXXX impacting my credit score -54 points. 
I NEVER disputed my XX/XX/XXXX Credit Report during the previous months, so why did XXXX or PHH add Negative Remarks to my XX/XX/XXXXCredit Report?