davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (PA)

I have filed disputes with the credit bureaus in regards to several accounts listed on my credit report. On XX/XX/2022 I sent in off a investigation letter to check the accuracy of the accounts on my report and to make sure my accounts were properly investigated and XXXX XXXX accurate. The credit bureas reported that the following accounts were accurate XXXX XXXX XXXXXXXX {$1700.00} {$340.00} {$4900.00} {$3000.00} {$5100.00} {$5200.00} {$2500.00} {$2600.00} {$1200.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$550.00} XXXX XXXXXXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX The credit bureau violated ; 15 usc 6802 section A, B, and C ; 15 usc 1681 a section i ; 15 usc 1681 section b. The law clearly states that a consumer reporting agency can not furnish a account without my written instructions. I havent given any written permission to furnish these accounts on my credit report. I am asking for a removal of all accounts listed.
Consumer complaint received 2022-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a collection account reporting on my credit report that was discharged in a XXXX  XXXX bankruptcy. Duplicating account information is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX in co original creditor {$4200.00}
Consumer complaint received 2021-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-01-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I've sent proof in to Experian that the addresses on my credit report is inaccurate. They have added another address to my file that I have no clue about. Every time a family member move Experian will attach their address to my name and this is a violation of FCRA. I have write CFPB about this issue before and it seems that no one is doing a proper investigation
Consumer complaint received 2021-06-24
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)

I've attempted numerous mail-in disputes to resolve these negative delinquencies regarding my Experian account, but still, nothing has changed. XX/XX/2020 I received an email from EXPERIAN at XXXX XXXX stating that I was on a 6-month payment streak, but yet the reported negative remarks on my account state something entirely different. Additionally, the majority of, if not all my positive payment history doesn't even show up for ANY of my prior personal/auto loans, so that doesn't help my score average out at all. In a nutshell, literally, almost nothing on my EXPERIAN file is reported accurate other than possibly the 3 latest instalment accounts I opened since XX/XX/2020 attempting to ease this significant burden during this pandemic. What's ironic is I actually have a screenshot of my XXXX XXXX profile on my app from XX/XX/2020 stating I'm 59 months CONSISTENT on my payments.
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems (WV)

I was applying for a mortgage and found a {$180.00} collection on my accounts for from financial data systems. My ex-husband was court ordered to pay this debt and never did. I was under the assumption that he had paid it, until a loan officer pulled my credit. I tried to dispute under reason of " no longer liable due to divorce ''. I don't have the time to wait for the dispute process, and My loan officer told me that it would be best to have this collection removed from my report as soon as possible so that I can obtain pre-qualification for a mortgage, which I CAN NOT DO WITH THIS COLLECTION ON MY REPORT. So I went ahead and paid the debt on XX/XX/2018 IN FULL to financial data systems. I spoke to a lady named XXXX and she took the payment over the phone and I asked her would this be removed from my credit report. I REPEATEDLY ASKED IF CREDIT BUREAUS WOULD BE NOTIFIED SO THIS WOULD BE REMOVED FROM MT CREDIT REPORT. She told me that first thing the next business day the information would be sent to all three credit reporting agencies. HOWEVER, this item is still showing on my credit report. I have disputed this item with all three credit bureaus via online dispute forms. I decided to do a follow up phone call with the 3 bureaus today. I was told that they have not received any communication from financial data systems as to the status of this account. I was told this account could not be removed from my credit report unless financial data systems tells the credit bureaus to delete it. I have copies of the receipt where the debt was paid in full.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Asking two credit bureaus to check the accuracy of a report chapter XXXX bankruptcy on my credit file. Inaccurate information is being reported. My father and I have the same name. Please verify the account and the accuracy of the information being reported at the local clerks office. Third parties are verifying the information via online and it is not correct
Consumer complaint received 2018-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

I have a collections account on my credit report that doesn't belong to me. I live in my mothers house and we have had XXXX XXXX XXXX basic cable for 22 years so I don't understand how all of a sudden I have a XXXX that I owe.
Consumer complaint received 2021-03-30
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (FL)

I filed an insurance claim and an XXXX came to my home and the insurance company gave me {$7900.00} to fix problem. Because of health issues with mold and mildew I hired a XXXX. I sent the insurance check on XX/XX/XXXX XXXX overnight ). Novad was so slow in sending first payment it was a health hazard.Because Im XXXX XXXX XXXX and took the reverse mortgage for additional income. I borrowed {$38000.00}. From my son and put {$3000.00}. on my XXXX charge I paid out of pocket for the plumber. They told me I needed an inspection at 50 %. I did that and they havent gotten the report from inspection They said after they received the report it will take another 30 days for second check.In a few days it will be 100 % done and ready for final inspection XXXX only knows when Ill get that check. Im now paying interest on My XXXX account If Hud is so worried about my home being fixed why dont they give me remaining money.Seniors who do Reverse Mortgage do it because they need money. If not for my son and my XXXX account Id still be living with the mold and mildew. My insurance company couldnt believe that a check this amount they didnt pay the whole amount When i talk to representative of XXXX the tell me theyre just following procedures
Consumer complaint received 2018-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

In XX/XX/2017, I mailed a check to my credit card company ( XXXX Bank ) on the XXXX of XXXX I was informed they never received payment. I checked my T.D. Bank account and saw the check was deposited. upon further investigation by T.D.Bank they informed me the money was deposited to another T.D costumer account by mobile deposit, and told me to file a police report and they would have their fraud department look into it also. I filed a police report with XXXX XXXX. ( XXXX # XXXX ) and was told by the XXXX XXXX. they would need to get a subpoena to get information from T.D.Bank, Since that time I have yet to get an answer from T.D.Bank as to why my money has yet to be placed into my account. the amount of the check was {$1600.00}, but only {$1600.00} was deposited into XXXX XXXX account # XXXX on XX/XX/2017 at XXXX XXXX, I have contacted T.D. many times along with their fraud dept. and just seem to keep getting the run around, with promises of my money being back into my account soon. I have also been in contact with the Police who now have the name of the person who stole my money but would not release that information to me. they are still investigating also. Since I feel this was a complete error on T.D bank for depositing that money into a personal account when the check was clearly made out to XXXX XXXX ( XXXX XXXX ) they should have immediately returned my funds and go after the criminal who deposited the check into their bank.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX jacked up monthly payment amount after purchase of my original loan from XXXX   XXXX XXXX. The mortgage was on auto pay and I was unaware of short payment. They reported as missing or 30-days late. Despite the phone agent assurance and despite the immediate payment to cover the shortage when I was alerted, my credit score was damaged with derogatory and FALSE reporting as '30-days late '. Despite multiple attempts, XXXX  refused to remove this negative item for over a year. This company 's unfair business practice is well documented on social media. I am reporting this again to show the pattern of their business practice as I now know I was not alone.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Over 15 fraudulent Atm withdraws were done XX/XX/XXXX totaling to {$1700.00}. A claim was open with Chase claim department which an investigation was made and claim they were all legit transactions. I requested for claims to be reopened for further investigation, no help! Phone representative states it could not be re-open If there isnt new evidence. I went into the branch with police report, branch manager spoke to claims department to reopen the claim. They stated the same thing, unable to open claims due to no new evidence. This was sent over to escalating department over 2 weeks ago. I still havent heard back from them. I want these claims to be opened for further investigation and for my money to be returned to my account ASAP.
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

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. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I had a XXXX during football season and it was pretty bad. During my recovery process I wasnt able to receive any income and I struggled paying for anything. Due to it being my sr year that was it and I was kicked into the real world I couldnt apply for any jobs due to my constant XXXX. Im doing better now I recently spoke with the company and explained my situation I even set up payments for the next 6 months I just want the late payments removed from my report because its making it very hard for me to obtain credit
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NE)

Deposited a {$1400.00} check from my school on XX/XX/XXXX. The bank made {$220.00} immediately available after the deposit and claimed the rest would be available the following Business Day. I went to a store and made a purchase then took a cab home. A couple hours after I got home the bank withdrew all of the {$220.00} plus the money I had in my account before the check was deposited sending me into overdraft. The bank then said after me calling them 10 times that I had been lied to and it was 7 Days because of the check amount. They're trying to refer to the United States Federal Reserve 's Expedited Funds Availability Act of XXXX amended in XXXX to clarify wording. The act states the check most be not less than {$5000.00}, the issuing bank must declare doubtful collectability and notification of such provided, balance of account low or overdrawn, new account ( Mines a year old ), check is posted, or the check is 6 months old or older. None of those apply so they are subject to a maximum of a two day hold under the act not 7.
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX, was offered a XXXX point offer on the American Express site as a pop-up for a Platinum card after internet search. Pop-up advised against navigating away from the page. When I applied, I was prompted to log-in due to an existing Corporate card log-in profile. When I logged in, the offer dropped to XXXX points upon log-in. I chatted with Amex online and spoke to AMEX Customer Service and Apply who indicated a potential issue, but had no way to know if I was targeted for the offer, had no way to retrieve and told me to clear my browser cache and apply again. Applied again and got the XXXX point offer via my corporate card login. Applied and my application was put into pending status. Called Amex - application was missing a country code of US despite having NY address on file. Received approval via phone and email. Advised card would arrive within 24-72 hours. Week later and 4-5 hours of calls with Amex ( on 4 days ) I have no card, no card card number, and lower possible rewards. Apparently technical glitch kept card number from generating. Asked to speak to managers multiple times and was sent to voicemails or people hung up. Getting charged {$600.00} card fee anyway. Unfair business practices - lowering offers and manipulating availability.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MS)

In XX/XX/XXXX, revolving account was opened, i do not recognize and it is reporting as closed and XXXX  days past due with a high balance of XXXX as of XX/XX/XXXX, precautions was taken and the balance was paid off but company is still illegally reporting the balance and hurting my score. As its in violation of my consumer rights i would like to get it removed on all three of my credit bureaus report.
Consumer complaint received 2020-09-18
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. (VA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I went on to Transunion 's website last XX/XX/17 to freeze my credit due to the data breach ( equifax ). I paid a one time {$10.00} credit freeze fee and gave my credit card #. I now see that they are monthly charging me {$19.00} on this credit card for credit monitoring. When I called and told them I did not sign up for said service they said I did and refused to refund money. I went into my emails and saw that they provided me with an email receipt for the {$10.00} fee, but not for the other service. When I called them back to mention this, they eventually agreed to refund me only XX/XX/XXXX and XX/XX/XXXX. My guess is that they are automatically signing people up when they freeze their credit. They said I signed up because I made an account with them, but to put on a credit freeze I had to set up an account. I believe your office needs to investigate this.

*I see on your website now that they had already paid fines on this type of deception just last year. Well, they are at it again it seems.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$19000.00} 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