davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
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 am writing to dispute the following information that appears on my Experian report from XX/XX/2022 : XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX  XXXX Credit Card with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX XXXX  XXXX XXXX Credit Card with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX Credit Card with account # XXXX Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (TX)

I opened an American Express Serve account and added money with my XXXX key. However, they locked my account and I am unable to unlock it and access my money added. Therefore, I want to close my account and withdraw all the money. I have attached my XXXX transaction records to prove all the transactions are legit and through my own account.
Consumer complaint received 2019-10-23
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. (NC)

I have notified all 3 major credit bureaus about fraudulent accounts reporting on my credit reports and they have yet to send me verification of any investigation they've performed or verification that these accounts belong to me, the following are all of the fraudulent accounts that don't belong to me as follows : 1. XXXX/XXXX/XXXX ACCT # XXXX 2. XXXX  XXXX XXXX ACCT # XXXX 3.XXXX XXXX ACCT # XXXX 4.XXXX XXXX XXXX/ XXXX ACCT # XXXX 5. XXXX XXXX XXXX ACCT # XXXX 6.XXXX XXXX XXXX ACCT # XXXX 7.XXXX/XXXX XXXX ACCT # XXXX 8.XXXX/XXXX  ACCT # XXXX 9. XXXX XXXX XXXX XXXX ACCT # XXXX # XXXX # XXXX 10. XXXX XXXX XXXX ACCT # XXXX 11. XXXX XXXX/XXXX
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (GA)

On Friday, XX/XX/2019 at XXXX XXXX, I wired {$4400.00} from the Western Union satellite location at XXXX XXXX  XXXX in XXXX, GA. I paid extra for an urgent transfer which should have been credited to my account within 24 hours. My bank never received the money. I contacted them and Western Union multiple times between Friday and Wednesday of the following week. Western Union repeatedly changed their story about what happened to the money. One operator said the money went to the wrong bank. One operator told me the money was never sent. One operator said they would get it back within 24 to 48 hours. Another said there was no guarantee whether they could get it back. After talking to a supervisor and having an officer from my bank attempt to reach out to them, per his instructions, with me on the line, they stopped answering my calls and deleted the transaction from the tracking system. I have emailed the company through their corporate site. In the meantime, this has been financially devastating for me and my family. without recourse, we have no way to recoup those funds.
Consumer complaint received 2022-12-31
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. (FL)

My information have been involved in a data breach and there are XXXX negative accounts that is reporting negatively on my credit report i have file a report with the Federal Trade Commission ( FTC ) as well as filed police report of the incident the accounts need to be deleted off of my report I feel like this incident have really held me back financially and it need a resolution. the accounts that is reporting is credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I found out my information was breached on XX/XX/2022. I have placed fraud alert on my credit profile and filed a complaint with the XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (CA)

XXXX years or XXXX year back I saw " XXXX XXXX '' was charging my credit card. I called the ph # that was provided and got no response from them. I tried to call them, my bank tried to call them when they started charging monthly amounts but they never communicated or confirmed with me as their member.. My bank cancelled the payments that was taken from my credit card account after verifying the details.. 

I received a letter few days back dated XXXX XXXX saying I am delinquent to an unknown XXXX XXXX  " XXXX XXXX '' ... I called the Debt collector " Aldous & Associates, P.L.L.C '' in XXXX I never used XXXX XXXX facilities or signed any contract. I asked them to send me the evidence that I used their facilities but instead of giving me chance to prove what they're saying is absurd they asked me to contact someone to get that information which I feel some kind of cheating in my view.. It was them ( Debt collector ) who sent me letter on delinquency on an unknown XXXX  XXXX.. If I used their service then they ( XXXX XXXX ) should have contacted me but no one called me till now..
Consumer complaint received 2021-12-07
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. (MD)

XXXX XXXX XXXX refused to remove acct XXXX Auto Loan there three different amounts on my consumer report And with this chargeoff acct I am unable to apply for anything do to this
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received an email from Capital One about a store credit card which the company has bought. The email offered payment options to cease the 'charge off ' process on the card to allow me to keep the account. I was referred to a toll free telephone number where I could make arrangements to pay in installments since I am not able to make the balloon payment. 

The telephone number is a fake, the person on the other line answers the phone in his home and claims to be a Capital One representative. I tried the call on two different phone numbers ; on the first phone call, I did not identify my name on the account and was not asked, then the person answering the phone asked for my DOB, when I asked to speak to someone else, the person transferred the call to a child. On the second call, the same man answered the call after taking the phone from the child, his wife was in the background and again they asked for my DOB. I hung up the telephone without giving out any more information. 

The problem is that my online account with Walmart.com hacked and then the same account was transferred to Capital One at a buy out - I was trying to prevent the 'charge off ' from happening, but apparently, I have been SCAMMED and am unable to reach Capital One to resolve this matter in my favor.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: M&T BANK CORPORATION (NY)

I received a Visa debit card in the mail from M & T Bank. I d I'd not apply for this card. I called M & T Bank to report that I did not apply for this card. They told me that their fraud department closed the account because the person who applied couldn't prove their identity. Then they advised me to call my banks to put them on alert and then call the XXXX XXXX XXXX to put an alert fraud alert on my information & contact you to freeze my credit & file a complaint.
Consumer complaint received 2020-12-17
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: Experian Information Solutions Inc. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to formally request that you block and delete the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXX. XXXX Account Number : XXXX Date : XX/XX/year> Amount : {$440.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/year> Amount : {$0.00}
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

Every few months it seems that I have to reach out about my credit report being frozen ( without my knowledge ) and an inability to apply for things like ( housing, jobs, etc. )!!!! This issue has caused me considerable damages and losses. To make matters even worse, the credit reporting agencies have made it an impossibility to request they lift these freezes since they wont even allow you to access YOUR OWN credit report using YOUR personal identifying information like : a full name, permanent mailing address and social security number. This is just one of 100 complaints Ive made over the past 2-3 years and at some point Im going to collect every last one of these complaints and sue them for damages. I dont know whats so difficult to understand. 

DO NOT FREEZE MY REPORT UNLESS I HAVE REQUESTED IT TO BE FROZEN!!!!!
Consumer complaint received 2020-11-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX, I filed a report with TransUnion regarding some inaccuracies on my credit report. They received the letter on XX/XX/2020. I did not receive any responses on their behalf. This is not in compliance with the FCRA as i was supposed to receive a response within 30 - 45 days max due to Covid-19. This is my second dispute with the company as i did not receive a response for my first dispute, which was received on XX/XX/2020. I certified my mail and was able to track the dates and times all disputes were mailed and received from USPS. Their lack of investigation compliance is impeding me from correcting my report and improving my credit score. Because of this I am experiencing turmoil as I can not purchase a home for my family and I in these hard times.
Consumer complaint received 2020-11-19
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 a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NC)

Last year I sold my personal vehicle and cancelled my personal car insurance. I then purchased a buslness policy to cover myself in a vehicle owned by my business. Lexis nexis have now list me as having a gap in insurance coverage which is incorrect. I had personal insurance and business from XXXX  This error is going to cause a double premium for no reason. I need it fixed before I step up to legal matters.
Consumer complaint received 2022-03-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hi i have tried numerous times to submit disputes about my credit reports. I have done a rehabilitation for my school loans to get them out of default and in good standing. The credit reporting bureaus XXXX and transunion are still reporting these old accounts as delinquent amd they are not. The old accounts are still showing negative information on my credit report. I have done dispute after dispute with no results. The credit bureaus XXXX and transunion have 6 duplicate accounts showing on my report these accounts are copies of the updated records that were reported on XX/XX/21. I have explained this to them over and over.
Consumer complaint received 2022-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WI)

In late XXXX, my student loans were transferred from XXXX XXXX to EdFinancial. Upon the transfer, EdFinancial stopped mailing statements to us. Throughout the COVID-19 Student Loan Forebearance, XXXX XXXX continued to mail us statements and accept payments. 

On XX/XX/XXXX, I called about my account and how 3 months had passed without any statement from them. Today, XX/XX/XXXX, the EdFinancial representative claimed that in that conversation in XXXX, EdFinancial agreed to start sending my statements but by doing so I would waive the COVID-19 Forebearance. I have no recollection of that agreement to waiver forebearance, EdFinancial was not able to provide a transcript of the call, or produce the script their staff were instructed to use. As such, EdFinancial began charging interest on my federal student loans starting XX/XX/XXXX. 

Today EdFinancial agreed to reinstate the forebearance on all my lines, going back to XX/XX/XXXX ( though it's on me to check my account in a couple days to make sure it happened ). The EdFinancial story here doesn't line up. The idea that the only way for a loan service provider to create statements is to waive the forebearance is not in keeping with the experience and practice of other loan service providers. EdFinancial claimed they were following the regulations on this, but my request for them reference the actual regulation they were implementing was unmet. 

The entirety of their actions were designed to maximize their benefit and minimize my opportunity to pay off these loans. They were unable to provide any concrete evidence that their practices are mandated by Department of Education ( though they didn't hesitate invoke the Department 's name ), and is not in keeping with the practice of other service providers. 

The fact that EdFinancial so easily reversed course with ( yet to be confirmed ) retroactive changes is further circumstantial evidence that all these manipulations on their part are arbitrary and only designed for their benefit. There is no reason, save their own self-interest, they can not continue to use the USPS to request and collect payments from loanees who are looking to do so. For all the reasons stated above, their position amounts to excuses.

I got them to reverse course on this, but how many others is EdFinancial playing games with and hiding behind ill defined jargon?
Consumer complaint received 2022-09-12
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: TD BANK US HOLDING COMPANY (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Consumer complaint received 2022-06-10
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. (TX)

I XXXX XXXX resides at XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : Experian : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-20
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (AL)

I have two business accounts and one personal account with American Express, all accounts are in good standing, American express cancelled all of my accounts, because they said I was verbally rude to there representatives, I have never been rude or abusive, I have 3 other people who have access to my accounts, and I asked them to let me listen to the conversation
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

My name and Ss used to open in line account with XXXX. Now Midlands credit mgmt trying to collect. I owe nothing, impersonator lives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've resided in XXXX XXXX since XX/XX/2018. In XXXX is following report # XXXX I've spoken with a representative. Please assist.
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 41 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 41 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.