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. (SC)

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 E oscar 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}, {$59.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$59.00} -This is not my account.
Consumer complaint received 2020-11-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: HYUNDAI CAPITAL AMERICA (NJ)

Loss of full time employment due to COVID19 from XX/XX/2020 - XX/XX/2020. 
Contacted customer service on 4 occassions to agree on a settlement to satisy and close account. Documents were to be sent to me to be signed. Never received and account was sold with negative points applied to credit report. 
All payments for all accounts were on time or early over 3 year timeframe prior to pandemic.
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened up a checking account with SunTrust bank on XX/XX/XXXX. 

On XX/XX/XXXX of the same year, I had not been able to access my online account for a couple of days, so I contacted my bank, via their customer service line. I was informed that my account was under review and my account was unavailable for withdrawals and that SunTrust had also decided to close my account as well. When I asked why my account had been frozen, no reason was given. I was informed that my local branch may have the reason instead. So, I drove to my local branch, where I was told that they could not access or provide any specific reason why my account was being frozen, reviewed, or closed. I was informed that funds would be mailed to me once the review and closure was completed. When I asked for a timeframe, as I need that money to pay rent and bills, I was informed that there wasn't one. The only thing I could do was to just keep following up with the 1-800 corporate number. My current balance, as of today, is {$2200.00} and I was told repeatedly, in person and over the phone, that there is no way to give me my money. 
The best explanation I received was that my account was being closed for " loss prevention ''. Plus, once this " review '' is completed, the only assurance I have received is that my " remaining '' balance will be mailed to me. I have received no assurances that my current balance will be returned, only whatever remains after they decide how much of my own money that I get to keep. I have never had a negative balance, overdrawn my account, or been charged any penalty fees of any sort. I have no court judgments and owe no creditors money. I was also never contacted in regard to this action. The only way I even found out was because, of my own volition, I contacted customer service regarding my account. How am I supposed to pay my rent, which is due on the XXXX of each month, when my bank, for no reason that they can provide to me, froze my account funds for an unspecified amount of time and took my money, so that they can use it in various aggressive investment? My money has been held unjustly. I am not a criminal. I am a low income XXXX female that has been collecting unemployment. This is an unlawful garnishment of my government provided unemployment income. These people claim to " care '' about XXXX justice, but in practice we are just pockets for them to rob from.
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. (SC)

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 E oscar 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-08-13
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 (OH)

Reward dollars were not issued correctly for multiple months. Contacted American Express in XX/XX/XXXX to resolve and they began looking into the issue. Have been told various conflicting items, including no error was found, to a check was issued in XX/XX/XXXX, and even a letter in XX/XX/XXXX stating an error was found and a statement credit would be issued. No one seems to have any clue what's going on and multiple " investigations '' have been opened with no resolution.
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: 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 {$29000.00}, {$59.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$59.00} -This is not my account.
Consumer complaint received 2019-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

I applied for a card from Chase bank on XXXX XXXX. I received an immediate approval and received the card in the mail 1 week later. Within that week, I also applied for other credit accounts. On XX/XX/XXXX ( just a few days after receiving the card and never having used it ) I was informed that the account was being closed because I applied for multiple OTHER cards. 

As a result of the account being closed I suffered the damage of having my credit score dropping due to the account being closed. 

I want this injury reversed by having the closed account removed from my credit report so that it does not continue to negatively effect my score in to the future.
Consumer complaint received 2021-04-28
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: National Credit Adjusters, LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX NATIONAL CREDIT ADJUST XXXX ... XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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
Consumer complaint received 2019-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have not received restitution under CFPB 's consent decree In re USAA Federal Savings Bank, File No. XXXX. 

On XX/XX/2018 I notified USAA I revoked my authorization to draft my account effective immediately. They drafted it anyway. Then they drafted it again weeks later which they never had permission to do. I was charged a {$33.00} fee by my bank each time ( XX/XX/2018 and XX/XX/2018 ). 

USAA has also cut off access to my account. I can not log in online. This happened after the above incidents so I feel like I was retaliated against.
Consumer complaint received 2022-04-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

In XX/XX/XXXX we decided to refi our mortgage to pay off 2 home improvement loans and 1 medical credit card with closing costs around $ XXXX our refi would be in the $ XXXX range. We chose freedom Mortage out of XXXX, IN and were approved. XXXX XXXX Customer Advocate XXXX was our contact. We selected them because their rates were low and because we know that these smaller mortgage companies sell to bigger banks anyway. To us they are all pretty much the same. We were locked in at 2.75 % Process begins : W-2, taxes, social security income etc. Typical stuff. By XXXX they were telling us they hadnt received any of the documentation, we sent everything again. 
Appraisal came back, looks great. XX/XX/XXXX they wanted a termite inspection, which we received and sent to XXXX. We went back and forth because he said he didnt get the signed portion of the attachment, they didnt accept the payoff letter from the window company. It went on and on. I reached out to XXXX on XX/XX/XXXX via email telling him we keep getting phone calls requesting information we had already sent and we would like a closing date but he never responded. Later, he called my husband to tell him he needed a XXXX ( we had already sent ) I asked for a received a copy of our appraisal on XX/XX/XXXX. Then someone called us and told us we needed a water test. I emailed XXXX asking why. He never responded. So, XXXX and XXXX talked on the phone, the water test was the very last thing needed and then we could get a closing date for our refinance. We arranged the water test ( {$180.00} ) the water needed to be treated ( {$180.00} ) the company actually explained the water test to us ( XXXX never did ) and it made sense. So after the water was treated and we couldnt use the water, before being tested again ( {$180.00} total cost {$550.00} ) XXXX received a phone call from a man, XXXX, from Freedom Mortgage asking questions about our " closed File ''. Yes, they closed our file, literally " dropped '' it on our refi in the middle of the very last thing needed before we could close the loan. As you can imagine I was beyond angry-I was LIVIDXXXX said oh it looks like you were lost in the cracks ... he said he would see what he could do to get us back to active status and our 2.75 % rate-He later came back and said the best they could do was 4.50 % -he sent my husband a follow up email stating we " declined the offer '' and so here we are today and I am typing this email Also we did get really XXXX with XXXX and sometimes we were angry with these random people working for freedom calling us and wanting documents we had already sent ( I think Ive noted this already in this email ) We have refinanced in the past and never experienced this level of frustration-ever- but with Freedom Mortgage, it was beyond frustrating and I believe they strung us along knowing the rates were going to go up. I will file a complaint with the XXXX  too
Consumer complaint received 2020-12-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WSFS FINANCIAL CORPORATION (NJ)

Re : NOTICE OF DEBTOR LETTER FROM SUPERIOR COURT OF NJ NAMING WILMINGTON SAVINGS FUND SOCIETY , FSB, ( WSFS ) AS CREDITOR RE : XX/XX/2020 LETTER FROM WSFS 1-PLEASE PROVIDE A TRUST AGREEMENT BETWEEN WSFS AND PRIMESTAR-H FUND I TRUST AS EVIDENCE THAT WSFS IS A TRUSTEE FOR PRIMESTAR-H FUND I TRUST 2-PLEASE PROVIDE THE DOCUMENTS WSFS AS TRUSTEE FOR PRIMESTAR-H FUND I TRUST IS RELYING ON TO ASSERT THAT WSFS IS TRUSTEE FOR PRIMESTAR-H FUND I RUST IS THE CREDITOR. 

3-PLEASE PROVIDE DOCUMENTS AND CONFIRMATION WSFS AND/OR WSFS AS TRUSTEE ARE LOCATED AT XXXX XXXX XXXX, XXXX FLORIDA XXXX AS IS THIS IS THE ADDRESS NOTED ON THE ATTACHED NOTICE OF DEBTOR LETTER. 

4-PLEASE PROVIDE DOCUMENTS OF TRUST REGISTRATION.

5-PLEASE PROVIDE NEW JERSEY CERTIFICATE OF AUTHORITY FOR THE PRIMESTAR-H FUND I TRUST.

6- PLEASE PROVIDE REPRESENTATION AGREEMENT BETWEEN WSFS and/or WSFS AS TRUSTEE AND THE ATTORNEY FIRM NOTED ON THE ATTACHED NOTICE OF DEBTOR LETTER.

7-PLEASE PROVIDE ALL DOCUMENTS THAT WSFS AS TRUSTEE PRIMESTAR-H FUND IS THE CREDITOR.

WE DISPUTE ALL CLAIMS BY WSFS AS TRUSTEE FOR XXXX FUND I TRUST.

WE DEMAND THAT WSFS TAKE IMMEDiATE ACTION TO DISMISS THE CASE NOTED IN THE ATTACHED NOTICE TO DEBTOR LETTER. 

THANK YOU, XXXX XXXX
Consumer complaint received 2021-02-03
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: Franklin Collection Service, Inc. (TX)

On XX/XX/XXXX I sent in a debt validation request via USPS certified mail to Franklin Collection Services. The company received it on XX/XX/XXXX. A copy of the letter will be attached. Franklin Collection Services NEVER validated this alleged debt but still reported it to the credit bureaus. On XX/XX/XXXX, I sent a None Response letter to them, and it was received on XX/XX/XXXX. To this day, Franklin Collection Services is still reporting this unverified, erroneous item on my report and have not validated it. They are illegally placing it on my credit report.
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (NV)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible XXXX XXXXXXXX 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 2021-07-12
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: Experian Information Solutions Inc. (NV)

XXXX XXXX / XXXX XXXX is reporting an account that I never opened and been disputing for more than 4 years. 
The account XXXX is showing late since XX/XX/2015 until today ( 6 years ) the statute of limitation in the State of Nevada is 4 years for credit cards but even that XXXX XXXX still damaging my credit reputation.
Consumer complaint received 2019-11-16
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. (CA)

Late XXXX, my wealth manager discussed a better credit card for me. I signed an application. Sometime in XXXX, the bank sent a card to me. As I am out of the country often, my mailing address is a PO Box that is checked every week by my CPA, XXXX XXXX. No one from the bank called me to tell me that the card application was approved. No one from the bank called me to tell me that they were sending a card to me. The bank sent the card to the wrong address. I never received the card. Then the bank sent statements to the wrong address. I never received the statements. The only charge on the card was a charge for opening the card. A charge I was never informed was made and was due. As a result the balance became past due. When I discovered the banks mistake. The bank immediately corrected the mailing address, sent a new card and reversed the late charges. I have contacted the bank, and while they admit that they sent the card and statements to the wrong address, they refuse to reverse the negative reporting. This was not my fault, but was the fault of XXXX XXXX XXXX, as such I should not be penalized with a derogatory statement on my credit report. I have several accounts with XXXX  XXXX XXXX totally almost {$2.00} XXXX in debt. My payment history is STELLAR. It is LUDICROUS that I would have failed to make a $ XXXX  monthly payment on a {$95.00} balance for a card charge.
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. (ID)

Experian and XXXX are reporting incorrectly ( 30 ) days late on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) I had a second mortgage on a property that my brother and I owned. I have never been given a letter of demand from XXXX XXXX XXXX for the payment in full. Per the deed of trust, the payment in full demand must be made and not performed on to initiate foreclosure proceedings and verbiage on my credit. The inaccurate process and reporting on my credit is creating a financial hardship. I am unable to purchase a home with the credit reporting foreclosure. The second mortgage initiated a foreclosure on the property. We were never late on any mortgage payments and I have attached copies of the bank statements reflecting the monthly, on-time payment history. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.