davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I have reached out several times to have this issue corrected and I have never received a response back. I was out of work due to XXXX and had a loss of income and was late on several payments. Before XXXX I had a stellar payment history and never missed a payment, also all my deductions going forward are on auto-draft to avoid any late payments. XXXX XXXX is in clear violation of this matter due to the CARES ACT.
Consumer complaint received 2024-03-22
Product: Credit reporting 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)

It has come to my attention that on my credit report you have an open collection for the amount of {$260.00} as of XX/XX/2024. Its also showing that there is {$260.00} past due. 
I do not owe this money. This is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX RE : Account number XXXX I requested the following information : The amount claim the Principal owes. 
IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge.

Full accounting ledger.

All legal documents.

An explanation showing me how you have computed the amount.

Copies of any documents that prove I agreed to pay the alleged amount.

The identity of the original creditor.

Confirmation that the account has not crossed the statute of limitation ( SOL ) period. 
Evidence that you are a licensed debt collector. 
An invoice of the products/services ordered. 
Dates of products/services being rendered. 
The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule XXXX XXXX XXXX can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following XXXX5 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (PA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXXXXXX XXXX XXXX XX/XX/2021 ; XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX, and Experian ignored my opt notice on XX/XX/XXXX. XXXX, XXXX, and Experian have refused to remove unauthorized inquiries, collections, and late payments from my credit report. All credit/consumer reports are to be uniform and accurate in reporting. My consumer reports for XXXX, XXXX, and Experian are neither. 

The Privacy Act of 1974, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; LATE PAYMENTS and CREDIT UTILIZATION AMOUNTS AND PERCENTAGES, AND BANKRUPTCIES are all, in fact, transactions and experiences between the consumer and the person making the report as explained in the US Code provided above, and are, therefore are being inaccurately and unlawfully reported within my consumer report. 

This complaint is also a notice of arbitration. I am only submitting this complaint as the arbitration instructions state I must resolve my issue before moving forward with arbitration. I've attempted to resolve these issues on multiple occasions. Im ready, willing, and fully prepared to move forward with the arbitration process against XXXX, XXXX, and Experian. 

I've uploaded all relevant documents.
Consumer complaint received 2023-02-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: REMAX (PA)

I was under contract for a property at XXXX XXXX XXXX XXXX Pennsylvania. My real estate agent was XXXX XXXX with ReMax and the selling agent was XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX and the title/escrow company is XXXX XXXXXXXX XXXX XXXXXXXX with XXXX XXXX as the point of contact. 

I sent my deposit in within 5 days of the contract date as instructed. Contract date was ratified on XX/XX/XXXX and the deposit of {$5000.00} was wired. Throughout the process, we were trying to get my approval for the mortgage, but since I am self employed the Debt to Income didn't work out and I was unable to obtain the mortgage. I attached below a document proving I was denied on XX/XX/XXXX which is prior to the contingency end date. 

We tried to get my loan to go through a bunch of different ways and the agents knew about this in full detail. 

I have not received my deposit back, neither agency will return any of my countless emails, calls, etc. This is is extremely unprofessional and unethical as they would call me constantly when it looked like they were going to make money off of me, but now that I need assistance with getting the money back ; which I am legally owed per the contract and the denial date, no one is communicating or helping me at all besides the lender. And I know they don't have control over this specifically, but they have tried to help and again to no avail. 

I didn't want things to come to this, but something needs to be done. I don't think a phone call is too much to ask for and legally since the money should be returned to me, i don't see why they are avoiding this situation. 

Lastly, I have been living out of a motel costing me {$130.00} per night ; which the agents knew about since I sold my home back in XXXX. So this has incurred many additional expenses and I need to figure out how to move on.
Consumer complaint received 2021-09-01
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. (OH)

No Contract exists for A XXXX XXXX that starts with XXXX. 
Experian refuses to change the illegal data listed as a result of their processing of my dispute. They say that The company that reported the information has certified to Experian that the information is accurate. This is not so. It's reporting illegally on my report.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

Called this evening to inquire where my U.S. Bank card is. I previously was with XXXX XXXX  before the merger. XXXX, the representative was very nice. She informed me that my card was mailed at the end of XXXX. She also informed me that it was not active and that she would cancel the new U.S. bank card and expedite the issue of a new one. She informed me that I would still be able to use my XXXX XXXX  card until I received my new U.S. bank card and activated it. I hung up, pleased with the customer service. 

I went to XXXX an hour later-my card was declined 3x. XXXX cancelled the wrong card. I am unable to use my XXXX XXXX  now and now have to wait until the expedited card comes in the mail. 

My problem is this-I also needed to pick XXXX medications for my mom, as she has XXXX. I was unable to do so because the U.S. Bank representative cancelled the wrong card. I called, very upset and spoke with XXXX, who actually ended up upsetting me more. I had to repeat my XXXX bank card number atleast XXXX, my full social security number atleast XXXX received no apology, I asked for a supervisor or a manager-I received the generic number for U.S. bank. I received no resolution. I was not able to pick up my moms XXXX meds because of the error of U.S. Bank.
Consumer complaint received 2022-07-05
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)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see verifiable proof ( an original consumer Contract with my signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-12-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (CO)

This company is to hard to finance with. I have done everything they asked, they don't return calls but to ask for more and more to close a loan. They know my dad is hurt and going to XXXX and I gave them Loan Conditions on time and letters of understanding with there help. I ask them if I could close on XX/XX/2020 instead of the XX/XX/XXXX the answer was not going to happen we need releases. I was suppose to close on XX/XX/2020 but the lone organizer bailed so we had to change the date. I reminded them please keep in mind you made me and my dad a promise in front of sells, that you you keep the deadlines as along as we turned in everything and we did that. That was on XX/XX/2020 for XX/XX/XXXXclosing, now we are going into XXXX for closing we are a very disappointed and feeling overwhelmed! We gave up on other lenders for you guy 's and I showed that to the team and was asked to trust the process and told them on Friday XX/XX/XXXX that after Monday the XX/XX/XXXX if it is to much of a burden we walk. They called and asked for loan condition that Friday and to trust them to deliver, we compiled and now they want more after I asked to close early. Why? We are burned out paying month to month waiting for them to decide this is costing more money and wasting my time. The fact of this matter is we are being denied because of my fathers age, and XXXX and other possibility 's under discrimination act 's under the law.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (ND)

They Blocked access to my account within the last few weeks, I wasn't notified on the exact date. I am currently XXXX XXXX XXXX XXXX, We no longer have access to my over XXXX in my account leaving me and my family without the basic needs for survival. Endangering myself and my young children, I contacted the Bank the fraud department the individual named XXXX got on the phone where I explained that no fraud had taken place. I was in the XXXX I made the withdrawal in question and the XXXX XXXX charge was from a service from XXXX XXXX XXXX XXXX XXXX owned company. He laughed and said it's not his problem that he was is Endangering me and my children. He understood the Endangerment and was very happy to do so. I currently am stuck in XXXX with no way home. And without access the basic survival needs or the means to for them. Meanwhile I have plenty money in bank. Do to this action taken by US Bank my body covered in bites from sleeping in the streets from outdoor pests. I have no access to clean water food or shelter. His conduct was deliberately Malicious and there were children involved. As far as solution goes they may want to think something fast and agreeable. I can't even begin to think of what might be.
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter on XX/XX/22 to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

My Chase checking account submitted AND payed a XXXX payment to a XXXX XXXX for {$880.00} on XX/XX/2022. I've contacted Chase and filed a dispute only to have it denied a few weeks later. I do not know this person or did not make the payment to this person. The bank will not give me XXXX 's email address or phone number so I can contact this person about this transaction. I went to the bank last week but they just had me call Chase customer service.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A. (NY)

I held an unsecured credit card account with PNC Bank for approximately XXXX year. On XX/XX/2024, I contacted the bank to close the account. Despite multiple follow-up calls since then, as of XX/XX/2024, I have not received the {$1500.00} initial deposit I made. I am concerned about the delay and would appreciate prompt resolution.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, and XXXX continue to report incorrect information on my consumer report that is causing confusion with my identity and mailing address. 

To put an end to the misconception my name is XXXX XXXX XXXX there should be no other spellings or variations of my name on my consumer report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other addresses listed on my report because these would be considered non mailing addresses and would cause a delay in me receiving my mail which is a federal crime. 

The credit bureaus are required to report 100 % accuracy are face penalties for each inaccuracy.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NM)

broadly and across the board, both store and general credit cards, are changing the policy to penalize those who live other then the eastern time zone but making the payment cutoff at XXXX. eastern. This permits them to penalize across the board anyone who is in a different time zone and rack up fees- how is this permissible
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has come to my attention that on my credit report you have an open collection for the amount of {$260.00} as of XX/XX/2024. Its also showing that there is {$260.00} past due. 
I do not owe this money. This is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX RE : Account number XXXX I requested the following information : The amount claim the Principal owes. 
IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge.

Full accounting ledger.

All legal documents.

An explanation showing me how you have computed the amount.

Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor.

Confirmation that the account has not crossed the statute of limitation ( SOL ) period.

Evidence that you are a licensed debt collector.

An invoice of the products/services ordered.

Dates of products/services being rendered.

The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule XXXX XXXX XXXX can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2021 I had a charge of {$69.00} posted from Connecticut and I reported over 3x times and told them I didnt go nowhere and have proof that I resides in XXXX Florida and have been before the incident but nothing. Afterwards I went to XXXX on XXXX XXXX to visit my brother and his wife and children came back on the XXXX of XXXX at XXXX and saw a change of {$30.00} posted on the XXXX, before asking an agent to put a dispute towards that charge I confirmed that my brother and his wife did put that charge on my card and they told me No. But despite all Ive said and confirmed for Bleubird fraud department they managed to closed my prepaid account with them without any notice.
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

At the end of XX/XX/XXXX, I noticed that there were a few charges on my card that I didnt authorize for XXXX XXXX XXXX. I called customer service to dispute these charges due to being out of the country and the representative told me that these charges started in XX/XX/XXXX but that she could only dispute the charges going back 60 days. My current card was shut down and I received a new card in the mail. On XX/XX/XXXX, provisional credits were applied to my account totaling approx. {$450.00}. A week later I found out that a former friend of my daughters wrote took my card information while she was with my family and had made these purchases. I called customer service, explained the situation and asked if I needed to make a police report with the information I found out. The representative told me no it wouldnt be necessary, so I didnt file a police report. On XX/XX/XXXX, the card issuer debited {$380.00} from my account stating that the inquiry showed that the transactions had the correct card number, my zip code, and 3-digit code on the back of the card and that there were earlier transactions from this merchant. Even though I explained the situation, I was told there was nothing that could be done. When I looked back at my bank statements, the charges started in XX/XX/XXXX. In XXXX and XXXX, the charges were less than {$50.00}, which explained why I didnt notice it, and then increased the following month.
Consumer complaint received 2019-02-19
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: Prosper Marketplace, Inc. (MI)

In XX/XX/XXXX, I took a loan from Prosper Marketplace , Inc . Sadly, I was not able to keep up with payments on that loan. I was current on the loan for XXXX - XX/XX/XXXX. I never made a payment again. I never communicated with the company or made any alternate payment arrangements. 

In XXXX - XX/XX/XXXX, Prosper reported my account as current. I believe Prosper did this to extend the time period in which the account will appear on my credit report. Now, the account will continue on my record until XX/XX/XXXX. Also, I believe they incorrectly reported this to extend the statute of limitations on the collection of this debt. 

I disputed this information with them and with XXXX and XXXX. Prosper confirmed their information to the bureaus. My credit reports have not been updated.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is selling deceptive information to TransUnion and XXXX. This allege debt has not been properly validated as belonging to me and I have received no notice of my right to dispute this debt before it was added to my consumer report. Under FCRA each reporting agency is required to report 100 % accuracy how was this debt account verified when there is not court judgement that makes me liable for this debt.