davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (IL)

Complaints against XXXX XXXX XXXX, and Experian, XXXX, and XXXX. XXXX XXXX  has continued to report unfactual and inconsistent information on my credit profile. All 3 Bureaus have failed to conduct a full and thorough investigation of my complaints, even after I have provided them tangible proof that XXXX XXXX continues to furnish them with erroneous data. In XX/XX/XXXX, I collected my 3 bureau report, I marked all information from XXXX XXXX that was inaccurate. I sent letters via US certified mail in XXXX, awaring XXXX XXXX of their inaccurate reporting and FDCPA violations including, but not limited to the re-aging of debt ( re-aged from XXXX XXXX XXXX to XXXX. XXXX now to XXXX. No payment or promise to pay has been made on this account in that time ; They also did not report any Date of last payment from the XXXX XXXX report, but in XXXX. XXXX they report a date of last payment of XX/XX/XXXX to XXXX only ( which is inconsistent and incomplete ) ; My XXXX XXXX report says that the account was opened XX/XX/XXXX, but in XX/XX/XXXX, they report instead with Experian and XXXX that the account was opened XX/XX/XXXX ( Almost a 2 week difference ) .It is not possible to be 100 % accurate but provide two different dates to the Bureaus of when the account was opened ; The credit report that I pulled in XXXX has 2 year payment history that does not at all match the payment history being reported on my XX/XX/XXXX credit report ; XX/XX/XXXX report shows different High Credit balances, from XXXX $ to XXXX $ ; Account type is incorrect and different on both the credit reports I've pulled. I requested they remove the account from my credit profile. They did nothing! I sent documentation of all errors and violations via certified mail to Experian, XXXX, and XXXX via certified mail in XXXX. They investigated and said the account is verified. Even then on my XX/XX/XXXX report account in Dispute remark was NEVER ADDED. I've even attached a screenshot of the Experian Re-investigation report as proof that this account was formerly in dispute already. This company has failed to report accurate and consistent information on my credit profile since XXXX and has hurt my ability to obtain new credit in doing so. This is defamation of character. The credit Bureaus have failed to conduct a full and thorough investigation in light of all the errors that I have provided them with proof of and has allowed the creditor to continue to report unfactual data. I want this account removed from my credit profile immediately. I am attaching documentation, please take the time to read through, if not removed, I am prepared to move forward with my plan of action.
Consumer complaint received 2022-05-01
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act XXXX, Account Name XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-01-28
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. (CA)

EQUIFAX INC. 

On XX/XX/2019 I retrieved a copy of my Credit Report, I noticed a collection account being INACCURATELY inserted by XXXX XXXX XXXX Account XXXXXXX on behalf of CREDITOR XXXX XXXX XXXX MD. 
This Account has been PAID IN FULL which means you are in VIOLATION of the FAIR CREDIT REPORTING ACT. 
FINANCIAL CREDIT NETWORK has provided me with a letter on their company letterhead verifying that the Account is PAID IN FULL that I will attach with this complaint. 
Not only are you in VIOLATION of the FCRA you are also OUT OF COMPLIANCE WITH METRO 2. Field 17a has INCORRECT STATUS INFORMATION and Field 21 has MISSTATED BALANCE INFORMATION because the Account is PAID IN FULL. 
EQUIFAX. Delete this INCORRECT AND INACCURATE ACCOUNT IMMEDIATELY and update your files. 
As you are well aware it is against FEDERAL AND STATE LAW to report INCORRECT AND INACCURATE INFORMATION on a Consumers Credit Report. 
EQUIFAX. Delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX  and XXXX XXXX directing them to REMOVE this erroneous entry as well.
Consumer complaint received 2022-09-15
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX GA XXXX The following account was charged off as of XXXX, 2020. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

My student loans are showing up twice on my report. 1 They are consolidated into 1 account but its showing as 34 different accounts. The accounts have been transferred but are showing chargeoff. I have been going thru this for 2 years.
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (CA)

Over the course of a year, beginning XX/XX/2021, XXXX XXXX XXXX XXXX XXXX  has requested payment for debt already paid. Based on the attached document, we have gathered email threads indicating proof of payment for these services that were sent to the XXXX and additionally noted false claims from the XXXX. The XXXX has sent us to collections without notifying us after we have responded to all emails to clear their accounting errors.
Consumer complaint received 2022-05-02
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. (LA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 2022-05-01
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX, Account Name XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I signed up with XXXX to aid me with credit card and payment transactions for my small business. A client paid his invoice of {$4300.00} on XXXX using their ACH option. I was notified that the process would take 2-5 business days and to expect the funds on XX/XX/15. At approx XXXX on XX/XX/15 I received an email from Square that they needed more information to process the funds. I complied by answering another 15 questions. Downloading business invoices, my DL ( again ) my banking information ( again ), corporate docs, etc... Then at XXXX I receive another email that my account has been deactivated. Just like that. I called to find out what was happening and was told they couldn't tell me anything by law. My account was locked up. The funds are unable to be refunded to my client. The told me they have the " right '' to hold the money for 90 days. I have tried to refund the money back to my client, can't do it because my account isn't active. So. The {$4300.00} will sit in Square for 90 days and then I have no idea what will happen.
Consumer complaint received 2024-02-28
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. (TX)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. PLEASE DELETE THE FOLLOWING ITEMS : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX CRED XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX CO XX/XX/2023
Consumer complaint received 2021-12-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DigniFi (TX)

I applied for a loan from this company to fix the transmission on my car. I was approved but the interest rate was higher than the one on my credit card. So I called them and told them I didnt want it and they said they would take care of it and that I could log into my account and I would see that the loan had been withdrawn. I logged in and it does show that it has been withdrawn. I went to delete the account and could find no where to do that. So I called them back to find out how and they said that since they had ran my credit and offered the loan to me that they could not delete the account, that there was no where on my account online that I could delete it either and that all of my information would be kept with their company. I feel that this is not right ... what if they get hacked and my information could fall into the wrong hands. I hope that you can help with this. Thank you.
Consumer complaint received 2021-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

ON XX/XX/2020 I submitted my Public Service Loan Forgiveness Program form for last year. MyFedLoan.org is suppose to review the form and grant me credit for the past months towards my 120 payments to complete the program. I have called every couple weeks for the last 90 days and I get the same excuse. They have to verify my employer is still qualified. I work for XXXX as a XXXX XXXX. Same place for the last 7 years. As of this morning the service provider still hasnt given me credit for last 12 months and no one there knows what the hold up is. I get the same generic response. Please help before these payments no longer qualify.
Consumer complaint received 2018-10-19
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: WELLS FARGO & COMPANY (CA)

I sent this company my disputes on XX/XX/XXXX with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : WFHM ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.
Consumer complaint received 2019-03-18
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. (KS)

Equifax, XXXX, and XXXX need to remove the collection account for XXXX XXXX XXXX. 

I have submitted a dispute on my credit file because this debt is not valid. The original creditor can not provide the fully executed contract and refuses to provide proof that they cancelled the account was cancelled by the business. 

This is a dispute that would need to be settled by the fact-finding process of the civil court system. It is not fair for the creditor and the credit bureaus to hold my credit report hostage without sufficient evidence of this debt. The creditor did not allow me the process to dispute the debt by providing full documentation. 

Since the creditor is unable to provide a fully executed and valid contract, the file should be removed from my report.
Consumer complaint received 2019-03-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I sent a request to the three credit bureaus, asking them to investigate three errors on my credit report. Experian had no problem completing this task, as I got my response back from them within a couple of weeks. For whatever reason, I still have NOT gotten my responses back from XXXX and XXXX XXXX, and its been well over 30 days.
Consumer complaint received 2021-03-01
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-01-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX  did not correct an erroneous credit reporting item from Bank of America. I disputed the item with XXXX against Bank of America on XX/XX/2021. I have spoken with Bank of America mortgage department 11 times and every single time, I was assured that I was never late and the balance is XXXX. However, XXXX refuses to correct the error. 
The wrongdoing has caused my score being dropped to XXXX, preventing me from getting any credit during this very challenging time.
Consumer complaint received 2020-01-27
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: JPMORGAN CHASE & CO. (IL)

I obtained a XXXX rewards visa from chase XX/XX/2019 that promised to provide rewards points for purchases. I noticed that I'm not getting credit for the points. I called both XXXX and Chase service re : last 4 digits XXXX of my CC with them today 3xs. I  was told that it's not their problem and they accuse XXXX as the problem. XXXX accuses Chase is the problem. One of the CSRs for Chase said there is an incorrect email causing this problem but refused to tell me what that email is. Another Chase CSR says everything is correct. I asked to escalate this problem and to send me  documentation. They refused that. I think that Chase is intentionally avoiding responsibility. I complained to XXXX under incident Please reference Case #  XXXX. Chase should talk to XXXX to resolve this since they have the business relationship and contracts with each other but refuse to do so.
Consumer complaint received 2023-07-30
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: CITIBANK, N.A. (DE)

It's practically impossible for even a well-informed individual to calculate and figure out if the rewards calculated or earned on the card are accurate. I'll appreciate if Citi could please make it simple and just explain how many rewards points did I earn for which transactions in my latest cycle. Please don't regurgitate what is on the statement as I am indicating here that I don't understand what is on the statement, to begin with. As a Bank I would like to trust, this stuff doesn't give me the warm and fuzzy. Thank you
Consumer complaint received 2022-08-17
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has mis-handled the depositing of their balance transfer check, advised a XXXX XXXX to a Bank Account after they mis-handled the balance transfer and misapplied a {$8400.00} payment to the lowest interest rate ( two balance transfer with 0 % interest ending XX/XX/XXXX and XX/XX/XXXX ) rather than the XX/XX/XXXX purchases of {$8200.00} and {$160.00}. This has resulted in Bank of America charging me {$80.00} which is 21.49 % of a {$4800.00} purchase balance. This is all reflected on the XX/XX/XXXX - XX/XX/XXXX statement. I don't know how the recent {$8000.00} Balance Transfer is being classified or if the 0 % promotion was done correctly. This was not reflected on the most recent statement. In addition, the representative at Bank of America could not see how the most recent Balance Transfer is classified. I have many may phone calls to Bank of America over the past month and they refuse to admit wrongdoing, refund the {$20.00} bad check fee from XXXX XXXX  and violating how payments in excess of the minimum payment should be applied. I believe Bank of America believe I am ignorant regarding their illegal actions which violate the Credit Card XXXX of XXXX. Please reference the chronological order of my transactions with Bank of America : XXXX {$200.00} payment that for fill the minimum payment XXXX {$8200.00} Purchase XXXX {$160.00} Purchase XXXX Payment of {$8400.00} XXXX {$8000.00} Bank of America Check was deposited into XXXX XXXX  checking account. 
XXXX I returned a phone call to Bank of America Fraud Department before the XXXX deadline to verify the {$8000.00} check. 
XXXX Bank of America rejected the {$8000.00} check payment request to XXXX XXXX XXXX The previous Bank of America employee never release the Fraud hold so the check could be paid. 
XXXX Bank of America refused to pay the {$20.00} bad check fee charged by XXXX XXXX XXXX The employee advised us to call back after the {$8000.00} hold that was placed on the credit card. The employee suggested a Bank Direct Deposit to avoid the same type of problem. 
XXXX Bank of America did a Direct Deposit Balance Transfer of {$8000.00} to the XXXX XXXX  checking account. A fee of {$320.00} was charged for a direct deposit fee. 
XXXX Statement Credit of {$88.00}??? 
XXXX {$300.00} Payment XXXX Phone call to Bank of America concerning how they misapply my XX/XX/XXXX {$8400.00} payment. I told them they misapply of {$8400.00} payment leaving me with a {$4800.00} purchase balance which was accessed {$80.00} in interest charges. I ask them to reapply the payment to the total {$8400.00} purchases, they refused. I ask them to forgive the {$80.00} interest charge, they refused. Bank of America they have the right to apply anything beyond the minimum payment to any existing balance transfers. I am wary that they even apply the {$8400.00} payment to my most recent balance transfer of {$8000.00} on XX/XX/XXXX.
Consumer complaint received 2018-10-19
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. (UT)

On XX/XX/18, I reviewed my credit report, and noticed two inaccurate accounts. 
1. XXXX ; this account is too old to remain on my credit report. 
2. XXXX XXXX ; This account is too old to remain on my credit report. 
According to the fair credit reporting act, inactive accounts may not remain on a consumers credit report for more than seven years. Both of these accounts are older than seven years and should be deleted.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (AR)

I have sent information to Experian 2 months ago without result in order to prove I am being victimized but have not been responded to and I ask for the enclosed items to be deleted at once. Thank you
Consumer complaint received 2018-03-06
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: Convergent Resources, Inc. (AZ)

Debt validation request was sent on XX/XX/ to credit collection agency for a contract or signature and any other documentation which would validate that the alleged debt was mine. Received a letter onXX/XX/XXXXfrom agency with a screenshot of a billing system. No contract or signature or any other valid documentation under the FCRA was submitted.