davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
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. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-05
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. (MO)

The following accounts are fraudulent accounts inwhich has mentally and emotionally taken affect on me. In addition the 3 major credit reporting agencies are reporting these accounts without physical documentation. I'm now demanding the Method of Verification inwhich was used in the process of the investigative matter of these accounts. I'm demanding the name and title of the investigator. Also what method was used, tlphone, fax, XXXX XXXX, etc. If you nor your companies can provide this information then please remove and block these accounts immediately. 

1 ) XXXX XXXX {$190.00} 2 ) XXXX XXXX XXXX XXXX 3 )  XXXX XXXX 4 ) XXXX
Consumer complaint received 2022-10-09
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: U.S. BANCORP (KS)

on my XXXX XXXX account it shows that i applied for a home mortgage loan also a credit card through Elan Financial Services on XX/XX/XXXX. The credit card is showing up as a hard inquiry. I have not applied for either one of these
Consumer complaint received 2020-11-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-08-13
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. (TX)

XXXX XXXX XXXX is reporting incorrectly to Experian and XXXX a collection in the amount of {$930.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have health insurance with XXXX XXXX XXXX ( copy of insurance card attached ). XXXX XXXX XXXX failed to submit the insurance billing paperwork to XXXX XXXX XXXX and consequently payment was not applied to this account and because of this error the account has now been sent to collections and it should not have been. This billing error was not my fault and XXXX XXXX needs to contact the bureaus and have this collection removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2022-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

XXXX XXXX XXXX Credit Managment 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 Date of first Delinquency : XX/XX/XXXX Contact : Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Description : This account does not exist in their database. I was on the phone with them for approximately 30 minutes Thursday XXXX  ( XX/XX/XXXX ) to figure out what this debt is and who is belongs to. The rep and supervisor took all of my information down can could not locate it anywhere in their system. This does not belong to me ( and it doesn't look like it exists ) and needs to be removed from my credit history as soon as possible. My contact number is XXXX. Thank you. 

Kind Regards, XXXX XXXX
Consumer complaint received 2022-04-02
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: EQUIFAX, INC. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-13
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. (TX)

XXXX XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$1600.00} on the XXXX XXXX partial account number ****XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account has not been updated by the ( 2 ) bureaus to report accurately the current payment information and because this information has not been updated, this account has now been sent to collections and never should have been. This account information needs to be updated. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2021-08-13
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)

As a citizen of this country, it is unfair and predatory to be held XXXX by this reporting system. Throughout this time, laws continue to break due to malpractice and the severity of not taking my situation seriously. This issue has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2020-11-21
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: Experian Information Solutions Inc. (GA)

I sent a letter to all three credit bureaus disputing the late payments on XXXX XXXX on XX/XX/2020. The credit bureaus are reporting different months I was late on all three credit reports which are inaccurate. I have never been late on my mortgage.
Consumer complaint received 2020-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter to all three credit bureaus disputing the late payments on XXXX XXXX on XX/XX/2020. The credit bureaus are reporting different months I was late on all three credit reports which are inaccurate. I have never been late on my mortgage.
Consumer complaint received 2019-08-13
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: SELECT PORTFOLIO SERVICING, INC. (CA)

Due to a hardship I fell behind on my mortgage payments and had to pay some of my payments late. Fortunately, I was able to bring them back to current status. But these late payments are still reporting on my credit report and affecting my credit score. I am asking for these late marks to be removed. This would help me tremendously in building credit worthiness. I have since set up my payments on auto draft and saved a few extra payments in case I fall on unexpected hard times in the future.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (PA)

I HAVE CONTINUIOULY BEEN PURSUING THE 2 TRANSACTIONS SINCE XX/XX/2020. I KEEP GETTING TRANSFERRED, HUNG UP ON, OR THE REPRESENITIVES REFUSES TO GIVE ME THE PHONE NUMBER FOR CARDHOLDER SERVICES " BANK & RISK OPERATIONS ''. 

I FILED A DISPUTE AND THEY SUBPOSEDLY DID AN INVESTIGATION THEY SENT ME THE RESULTS OF THEIR INVESTIGATION AND STATED '' NO FRAUD ''. 

THIS IS COMPLETELY IMPOSSIBLE I DID NOT MAKE THESE CHARGES AND THE PLACE WHERE THE CHARGES ARE FROM 1/ FL XXXX XXXX XXXX RENTER/CONDO XXXX RENTERS/CONDO AMOUNT $ {$130.00} 2. PA XXXX VIA XXXX XXXX XXXX XXXX XXXX AMOUNT {$94.00} i CONTACTED BOTH BUSINESSES AND THEY CAN NOT FIND ANY TRANSACTION WITH MY RELIA CARD # THESE ARE UNAUTHORIZED ACH DEBIT BOTH TYRANSACTIONS DONE XX/XX/2020 THIS COMPANY DOSE NOT HELP ANYONE ESPECIALLY LIKE MYSELF WHO IS A VICTIM OF IDENTITY THEFT. 
THE ONLY NUMBER IS A FAX # XXXX XXXX cARDHOLDER SERVICES RELIACARD
Consumer complaint received 2019-08-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Comerica (TX)

On XX/XX/2019 I went through the drive threw at the Comerica banking center location at XXXX XXXX XXXX XXXX Texas to pay a overdraft amount of XXXX dollars, the lobby was closed so I went to the drive threw the teller declined to take my payment said I have to come inside the lobby to complete the transaction the branch manager is XXXX XXXX ( XXXX ) XXXX, so I was instructed to wait until the next business day so I did.the following day I went to the Comerica banking center location XXXX XXXX in XXXX XXXX texas XXXX XXXX is a personal banker at this location she took my payment of XXXX dollars and my account had a XXXX balance I kept getting overdraft fees because Ms XXXX did not comply with company protocol to XXXX debit my account out which left with XXXX dollars of overdraft fees I told that I bank with XXXX now and that effective XX/XX/2019 that no more deposits will be in this account effective XX/XX/2019 .I spoke with call center rep his name was XXXX did not give last name or all of the overdraft items.i spoke today XX/XX/2019 with XXXX XXXX at the XXXX XXXX location she told me that Ms XXXX was supposed to do a debit close out she did not close my account which it stayed active for an additional 60 days after it was supposed to be closed it was finally closed XX/XX/2019 they are going to report me to the credit for overdraft fees they the wanted me, this banking has some deceptive and toxic banking practices I would like a full of this matter and I would like this matter to be considered for arbitration Mrs XXXX XXXX is responsible for this situation.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

In XX/XX/2020 someone used my information to secure a line of credit or loan with XXXX XXXX. 
It is on my credit report and damaging my " Excellent '' credit rating. 
It was for {$1200.00} and has never been paid. I have never had a line of credit or loan with XXXX. This debt is fraudulent and not mine. 
There were aka names on my credit report that are not mine. 
There are address on my credit report that are not mine. 
There are phone numbers on my credit report that are not mine.
Consumer complaint received 2019-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion are reporting this erroneous account on my credit report that does not belong to me and i have been disputing for several months now but they keep responding by saying it's verified but not sending me any type of proof.
Consumer complaint received 2022-04-02
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. (IL)

In accordance with the Fair Credit Report XXXX XXXX Account # XXXX XXXX has violated my rights. 
15UST.1681 section602 A. States I have the right to privacy 15USC. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-06-05
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. (FL)

I sent a letter to experian/ XXXX/ XXXX/ XXXX XXXXXXXX XXXX/XXXX XXXX XXXX/ XXXX XXXX/ XXXX/ XXXXXXXX XXXX on XX/XX/2018 requesting to remove the inaccurate accounts of my credit report. amounts are XXXX XXXX and XXXX.
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MO)

On XX/XX/XXXX I received a text saying my Netspend debit card was used at an ATM and withdrew {$43.00}. I immediately called the bank because i had my debit card in my possession. By the time i got to the prompt to stop my debit card, the thief had took 9 {$43.00} transactions at a XXXX XXXX ATM machine in a XXXX XXXX. I had the customer service rep to stop the card and mail a new one. On XX/XX/XXXX i went to file a police report with the XXXX Police Dept with Officer XXXX and my police report number is XXXX. My claim number at Netspend is # XXXX. I was told by Netspend i could get a provisional credit of {$400.00} but i had to send them dispute paperwork which i emailed to them on XX/XX/XXXX. I did everything i was suppose to do and Netspend had until XX/XX/19 to give me the provisional credit and they emailed me on XX/XX/19 saying they will not be giving me any credit. Im so so upset because i have been with this company for over 6 years, i have my direct deposit going to this debit card but they are treating me like the thief instead of the victim. I provided everything that they asked me for and yet in still they are treating me as though i did this myself. Their exact reason that they have on a message on their site for my account is the pin for the card was not changed prior to the period for unauthorized usage and no declines for insufficient funds so the person making the transactions had inside knowledge of the account balance. This is crazy because they did 9 {$43.00} transactions and by the time i was able to get through the prompts on Netspend customer service line to stop this debit card, i only had {$100.00} and something dollars left in my account. I'm so upset because i need my {$400.00} and i'm upset because i have been with this company Netspend for years and this is how they treat their loyal customers.
Consumer complaint received 2022-10-09
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. (TX)

I make a call to these companies because personal information is on my consumer report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Certegy Holdings, LLC (PA)

I received a report from certegy. It states that I wrote a check to XXXX XXXX  for {$26.00} on XXXX XXXXThis is incorrect.I do not write checks to XXXX XXXXThis is an error.
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (OH)

XX/XX/2022 at XXXXXXXX XXXX I received a voice-mail from a person stating they were with Synchrony Bank and that it was imperative for me to send a payment immediately regarding my Synchrony XXXX XXXX card. I was to mail this payment to Synchrony Bank - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX, Utah XXXX. I was to call them right away at XXXX to take care of this. 
My husband and I actually have an account with Synchrony Bank, it is not a XXXX XXXX, or an App on our smartphones and we have always paid our account to their correct address in XXXX, Florida. 
I called Synchrony Bank on XX/XX/2022 and spoke with a representative who made note of this issue.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IN)

My insurance with XXXX XXXX XXXX  auto insurance was cancelled due the number of incorrect points reported to the XXXX that was placed on my Indiana Driving record and incorrect information such as suspended license reported to the XXXX XXXX. This inaccurate information reported to the XXXX caused my auto insurance with XXXX XXXX XXXX to be cancelled and increase of insurance fees when I went to get new auto insurance coverage from XXXX XXXX. I was told this would be the case with any insurance company because of my driving record. I explained to XXXX XXXX agent assistant that the information from the XXXX is inaccurate and gave XXXX XXXX a copy of my driving record that stated I completed a driving class and that my driving record from the XXXX should show 2 points as well as no suspended license, but the XXXX did not update the information so the information they are reporting out to other agencies is inaccurate. XXXX XXXX Insurance Assistant states they get their information from Lexis Nexus and that I should call and inform them that inaccurate information is being reported due to the XXXX not updating the information in their system. I contacted LexisNexis but have not got a response as well as Consumer Credit reporting agency to inform them of the inaccurate information that is being reported on my credit report and other reports. All this incorrect information is due to the XXXX not updating the records on my driving report. When spoke to the XXXX they stated there was nothing they could do because they do not enter the information into the system. I pointed out the discrepancies on the report to the rep at the XXXX XXXX and all she states she could do is give the number to call to ask that the information be changed, updated and accurate.
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

MY LONECARE, LLC This company has failed to assign money we sent for escrow and has charged us two months at the incorrect price. 
We've called both months and we were told the 1st month that escrow would be applied and our payment would be {$1500.00}. 
Then we called last month and we asked for the escrow amount, which was sent with the coupon sent we received from the company the mail, to be refunded to us because that extra amount was fraudulently charged sinxe the departments didn't enter our money properly. 
We have since spoken to 3 people, 1 manager, 1 case elevations person- still the money is in our principle account and not the escrow we allotted it to. 
The company says we now have a deficit and we owe. On top of the incorrect amount being taken 2 months and about to be a 3rd. 
{$180.00} was supposed to be refunded to us- we emailed a dep to treatment and got a code for the refund to go to come to us in a check. 
We called and they've again told us they have no money in the escrow and thereby have no money to return to us. 
We did not give permission for the {$1600.00} to be charged in the month of XXXX and XXXX. We gave permission as of XX/XX/XXXX {$1500.00} to be auto-drafted for our new monthly principle. 
With our escrow paid in full- as we sent a check and have a copy of the memo line alotting it for escrow ONLY.