davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (TX)

I sent Equifax a dispute on XXXX XXXX regarding accounts that are reporting on my credit file as a violation. I asked them to send me proof that they had the right to report a lates payments on my file, and to send me the information that they can legally do this according to the FCRA. This is illegal. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15USC 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 166B : A creditor may not treat a payment on a credit card account number an open-end consumer credit plan as late for and purpose.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX I disputed inaccurate statement on my credit report. Experian shows a delinquent account with XXXX that I disputed. Per fair credit act the statement is inaccurate and should be removed. Shows balance XXXX payment of XXXX in XXXX with a balance of XXXX. The math is incorrect and inaccurate. Requested experian to remove they refused with no explanation.
Consumer complaint received 2022-08-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Activehours (FL)

Support is unhelpful in simpy explaining anything. They only copy and paste things that say " Sorry '' and " We understand ''. If you truly understood, you would answer simple questions. I need results not sympathy. i went up the chain of command with NO results and the same XXXX answers. Might as well just say I DONT KNOW and stop wasting everyone 's time and money.
Consumer complaint received 2021-09-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (MD)

I have been using Binance.US to trade cryptocurrency. For about 6 months or more, now that trying to withdraw USD, the app all of a sudden can't connect to my bank in any way. I have emailed them 5 times about it over this year, and have gotten no response at all. 

I want the money I am owed. They're just keeping it and not responding to the tickets that are being sent in.
Consumer complaint received 2019-05-14
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. (MI)

On three different occasions ( see attachments ), I sent a dispute letter to Experian disputing an unknown and unverified XXXX XXXX account that they are reporting on my consumer file. I requested that they provide me with a copy of the original contract with my name on it pursuant to section 609 ( a ) ( 1 ) ( A ) of the FCRA. In their response to each dispute, they stated that they verified the account and that it belongs to me.

They never provided the physical verification of a consumer contract with my name on it. I contacted the said original creditor to obtain these documents directly and they stated to me that they couldnt provide me with these documents ( original contract ) because that information wasnt retained when it was sent/sold to the collection agency. How did Experian verify this account?

They never performed a proper independent investigation. I formally requested a copy of the original contract with my signature on it for the following reasons : - Unknown Account : The above account is unknown to me and I need that original contract ( which XXXX XXXX can not or will not provide me ) to help clear my name with my future proceedings. 

- Unverified Account : This unknown account can NO WAY be verified that it belongs to me or that I personally opened this account. I need a copy of the original contract with my signature on it to prove the inaccuracies and prove that they are reporting an account on my consumer file that is inaccurate and TRULY unverified against me and vice versa. 

After several attempts to clear my name, this account remains on my credit report in violation of the FCRA.
Consumer complaint received 2018-07-21
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: AMERICAN EXPRESS COMPANY (MI)

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD  RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesAMERICAN EXPRESS AMEX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off/Never late. {$2400.00} written off. {$2100.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$2400.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Credit Limit - Highest Balance {$5700.00} Terms NA On Record UntilXX/XX/XXXX
Consumer complaint received 2018-07-21
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

One Main Financial reported me late in XXXX with XXXX AND XXXX. The account was paid in FULL and closed beginning of XXXX. I spoke to someone end of XXXX and advised them that payment will not be paid till Beginning of XXXX. I had set up a payment with a representative and she assured me I was not going to be reported late. That was not even a concern when we spoke. I should not have been reported late to begin with. This was a loan that was with Springleaf and One Main took over. They are reporting inaccurate information. I am unable to get employment because the potential employers check scores and my scores dropped 16 points because of this. Since the account is paid in full I don't see a problem with fixing and deleting this delinquency which is not even accurate. 

THEY NEED TO PROVIDE WITH MY PROOF AND DO AN AUDIT ON THIS ACCOUNT SINCE IT WAS OPEN TO CHECK IF IT WAS ACTUALLY LATE. ALSO SHOWS LATE FOR XX/XX/2016.
Consumer complaint received 2023-01-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2018-07-21
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: AMERICAN EXPRESS COMPANY (MI)

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX. 

THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. 

I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. 

THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. 

MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. 

SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesAMERICAN EXPRESS AMEX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off/Never late. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$5100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$12000.00} Terms 1 Months On Record UntilXX/XX/XXXX
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THIS WILL BE MY 3RD ATTEMPT WRITING TRANSUNION ABOUT THIS ACCOUNT THAT THEY KEEP REPORTING ON MY CREDIT FILE. IT WAS DELETED FROM MY CREDIT PROFILE AND PLACED BACK ON BY TRANSUNION. THIS IS A MAJOR VIOLATION OF MY RIGHTS. IM GOING TO CONTACT MY LAWYER ABOUT THIS MATTER BECAUSE I HAVE NEVER DONE BUSINESS WITH THIS CREDITOR, MY SIGNATURE WAS USE FRAUDULENTLY.
Consumer complaint received 2018-07-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have received 4 phone calls in the last week from this company, Portfolio Recovery, and I only discovered who it was by XXXX the numbers. They are a debt collection company. I have no old debts that are still within statute of limitations for debt collection, and I have a 100 % on time payment record with my current debts, so there is no reason for them to call me. I do not answer unknown numbers, and if no message is left, I block the calls. They call from a different number every time. They need to stop, they need to be sued, they need to be put out of business. The calls I've received so far : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion XXXX XXXX XXXX Why is an error still reporting on my credit file? I have sent over many certified letters only to have a computer investigate continuously. 

I am sending this message in regards to the error that was n't removed off my credit file. This has been a problem for months and I have contacted my lawyer about this situation. You will be receiving an affidavit to appear in court and why. I have given you enough time to fix this error and the investigation but it seems that you guys insist on keep this error on my file credit. I can name more several Sections in the FCRA that you have broken according to FCRA. I never signed up for an apartment so i am not clear to what is going on or who placed this account on my report so I 'm filing two different lawsuits on TransUnion and XXXX XXXX XXXX
Consumer complaint received 2021-09-22
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: EQUIFAX, INC. (SC)

I have been sending letters to the Bureaus for 90 days. They always tell me the same thing. Keep saying it is accurate. They do not show original documentation on the items on my credit file. The Metro 2 system says everything suppose to be 100 % accurate. Nothing on my credit file is correct. They have not been responding to my disputes in a timely manner. I'm uploading only a few errors that is on my credit file. That is just the start.
Consumer complaint received 2020-12-08
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)

The companies response is that I hired a credit repair company. I sent in the FTC reports and Equifax data breach paper work myself. Letters went out because I sent them on my own I did my research as stated in the Equifax data breach paper works and I am very aware that this is a stall tactic that is used to slow down the process of my investigation. Please remove these inaccurate items from my credit report. The items are all FCRA violations and they go against my consumer rights. My information was breached in the Equifax data breach and I stated that as well. I am trying to buy a home to keep custody of my children and these items that are reporting unauthorized and inaccurate are holding me back and is causing a great deal of stress. Please investigate thoroughly and update this incorrect information.
Consumer complaint received 2017-09-20
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Assured Financial Partners (PA)

I received a voicemail stating I needed to call back immediately. When I called back I spoke with a XXXX whom wanted all of my personal information before telling me what the call was in regards to. When I told him I did n't feel comfortable doing that, he became very hostile and disconnected the call. I called back and spoke with another representative, who was able to tell me they sent out information to a very old address but could n't tell me why they called because she did n't handle the file, XXXX did and so she transferred me back to him. XXXX then told me he was calling about a credit card I took out with XXXX back in XXXX which had a balance of {$4000.00}. I told him I never had a credit card from XXXX and he became hostile again. I told him I want something sent to me about this " debt '' so I can have an attorney look at it as it is n't mines. That made him even more upset and he proceeded to tell me they already sent me something in the mail. I told him the previous representative told me they sent something to an old address and he told him she was mistaken. I said it sounds like you do n't want to send proof of this debt and per FDCPA I am allowed to request proof of the debt. I told him the 1st credit card I received was close to XXXX and he stated " well that 's not what your credit report says ''. He stated he was no longer going to argue with me and disconnected the call. I check my credit report very often and there 's nothing on my file in regards to what he 's claiming I owe. He was very hostile especially after I explained to him the laws I knew in regards to debt collection practices.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

THIS IS WITH TRANSUNION, TRYING TO REMOVE A DEBT THAT IS DISMISSED AS NOT OWED, BUT THEY REFUSE TO REMOVE IT FROM MY CREDIT REPORT.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Cohen McNeile & Pappas, PC (CO)

I went onto the court docket to confirm a court appearance for a unrelated speeding ticket when I became aware that this Law Firm had filed a lawsuit. When I obtained a copy of the Return of Service, it said I had been personally served with the documents on a date and time that was not true. I was at work during this time and my home security videos dont show anyone attempting service. I contacted the Law Firm and XXXX XXXX XXXX to inform them that I had never been personally served and explained that the process server had lied on the Return of Service. A couple of weeks later, this Law Firm then filed an Amended Return of Service with the same incorrect date and time of service only changing the signing date so that it could meet the 14 days before hearing requirement. Again, I was never personally served. Under Colorado Simplified Procedure, service must be made 14 days before the hearing date and service must be done in person. I contacted the Law Firm and XXXX XXXX XXXX again explaining that I had not been served and that this was the second time they provided false information under perjury. Now I wonder how many default judgments has this Law Firm obtained by lying about service and people have no clue a lawsuit even exists. I have been professional with both companies and requested that this false information be corrected. To date, there has not been a resolution.
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

American Express owes me XXXX points and they are frozen in pending status and are not posting. I have received many different inconsistent reasons from customer service reps and no one has been able to help. The company just tells me to contact XXXX, but XXXX does not see the points on their end. Why should the customer have to continue to contact both American Express and XXXX.
Consumer complaint received 2018-07-21
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (TX)

XXXX, XXXX XXXX, XXXX has all violated my rights as a consumer costing millions dollars with inaccurate information trying to fix these items fts and police report has been sent but no action its time to make they pay and hold them accountable please advise the best action should I get a lawyer or should I try to resolve this for the 4 month in a row this will be my last attempt file with the XXXX and XXXX police dept which all companies involve have the report numbeers