davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-28
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. (CA)

In XX/XX/XXXX, I received a copy of my credit report from all 3-credit reporting bureau 's ; XXXX, XXXX, and Experian. There were collection items on my credit report that were questionable. I reached out to all three bureau 's and disputed these items and asked them to validate this debt, verify this debt and provide me with supporting documentation ( wet ink signature of a contract with my name on it ) or any supporting documentation showing that this debt is mine. The reply back was simply, this debt has been verified. 
In XX/XX/XXXX, I re-disputed these items again, inquiring about methods used to determine that these debts actually belonged to me and to provide any supporting documentation that shows these XXXX-debts as valid and verified. XXXX  and Experian failed to respond to me, failed to accurately and thoroughly investigate and failed to provide me with any supporting documentation.

The FCRA and the U.S. Congress states that the burden is on the credit bureau 's to provide documentation to the consumer that supports their verification and validation findings regarding a debt dispute. Reference : United States Court of Appeals, Third circuit, Jennifer CUSHMAN, Appellant v Transunion Corporation, No. 96-1553. Decided June 09, 1997. I cited this case when sending re-dispute request letters to all 3-credit reporting agencies, yet they have failed to comply.

In addition, I have received a collection letter from XXXX XXXX XXXX XXXX for a debt that I don't recognize as belonging to me, as I can't recall signing anything or agreeing to anything. They have also failed to respond to my request to send me supporting documents that this debt belongs to me. 
This is negatively impacting my finances and is causing great harm to me. These bureau 's have failed to follow debt dispute procedures. I am the victim of identity theft and having documentation validating and verifying this debt is imperative. These items should be removed when they failed to accurately verify and validate the debt and send me evidence of their findings. 
Please allow me the ability to submit my certified letters that included my drivers license, a current utility bill and my social security number so they may help identify me. As well as my certified letter to the collection agency requesting verification, validation and any agreement/contract that identifies the debt as belonging to me.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2020-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (CA)

Target Credit card cut my limit in half Causing my credit score to drop a drastic amount I called to see why my limit was decreased and was told because of inactivity on the card. so because I pay my bills on time and keep my card paid off I am being punished. I called on the XXXX 4 days after the decrease and asked it be raised back to what it was. I was then told at this time Target is not performing any increases just decreases. From a business that has been allowed to stay open and make money this year while the rest of us have been struggling they are doing nothing to help except cause me more issues by causing my credit score to drop. They have no valid reason for the decrease except to hurt my credit score.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (GA)

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for this credit card under a promotion that offered {$200.00} cash back after spending {$500.00} or more within 90 days. I activated the promotion by clicking on a link on their home page which said " click here '' to sign up for this card with this promotion. I reviewed and confirmed I completely fulfilled the legal terms and conditions by spending a little over {$1000.00} within the first month. The issuer closed my card after a month and refuses to pay out per the terms of the agreement. There are no requirements as to how long the card must remain open in the legal terms and conditions so despite the issuer closing the card, they are still obligated to fulfill their end of the agreement. 

I contacted the issuer multiple times and spoke with multiple agents. They gave me all sorts of excuses like A ) " the card has to remain open '', which I quoted the terms on the product page saying nothing about the card needing to remain open. B ) Another agent tried to tell me that I never activated the offer. However, again, I clicked right on the big button right next to the offer which said " click here '' to apply under these terms. 

Also I spoke with the issuer 's customer service agent named XXXX on XX/XX/22, which was within a week of receiving my credit card in the mail, and she confirmed that the offer had been applied and was active on my account, when I called and directly asked her " Is the {$200.00} signup bonus for spending {$500.00} was applied to my account? ". I asked the operator and a supervisor ( XXXX ) to pull the call record and they could confirm that their operator XXXX had told me the promotion was active on my card. but both the agent and the supervisor refused to check the call recording.
Consumer complaint received 2022-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (OH)

Attempted to contact my loan servicer, aidvantage, to request a refund on payments submitted on my student loans on XX/XX/2022 via a phone call as well as using their messaging system to request a refund. I was informed that it would take up to XXXX weeks to get my full refund of my requested refund and I have not received my refund as of XX/XX/2022. 

I have attempted to contact aidvantage requesting an update on my refund with no luck.
Consumer complaint received 2022-05-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Link Revenue Resources, LLC (CT)

I was never contacted for an debt to the total amount of {$550.00} that I allegedly incurred for service provided on XX/XX/2017. 

I have contacted the medical provider who claims to have submitted the debt to a collection agency but I have not received proof of claim, notification of debt collection, or notification of right to dispute.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Accordance with the Fair Credit Reporting Act the following accounts 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  has 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (CT)

I was incarcerated in XXXX of XXXX til XXXX of XXXX. I had an open account with American Express prior to being incarcerated. At the time of my incarceration my balance was {$0.00}. When i was released me balance was {$2500.00} and account was in collections.All the charges occurred while i was incarcerated therefore it couldn't have been me. Ive tried to dispute this with them but they're making it impossible to get in touch with them.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (UT)

Opened a savings account with Discover Online Banking using a promo code that promised {$150.00} bonus if account opened with minimum deposit of {$15000.00}. I did deposit the {$15000.00} and received and email on XX/XX/2022 stating the promo amount would be deposited to the account in approx XXXX business days. As of this date and time the bonus amount has not been deposited after several conversations with supervisors at Discover. I then found out that Discover can sell and trade my personal information as they see fit. As a senior citizen, I believe I was scammed into giving my SSN and other info for the benefit of Discover selling and trading my personal information and never did receive the {$150.00} promo bonus. I believe they are taking advantage of hundreds of thousands if not more seniors and non senior citizens personal information using this method. I have several instances of documentation where I was given incorrect and false information by Discover supervisors. 
Names and dates of the conversations with these supervisors can be provided.
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. (NV)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/2013 ; XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2020-12-17
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 (VA)

American Express is acting in an unfair and deceptive manner. I recently downgraded my card from a XXXX XXXX card to a XXXX XXXX card. I had been contemplating this move given my lack of recent travel due to covid. However, as I started to research earlier in the Summer, I noticed I was close to the $ XXXX spend threshold that allowed me to earn an additional XXXX MQMs. 

In late Summer, early Fall, I contacted American Express, inquired about my spend ( was told over $ XXXX ), confirmed I would still get the MQMs if I downgraded, and then after confirming both, I chose to downgrade to the Blue card. The MQMs never showed up in my account. I called each month around the XXXX when my earned regular miles would post, and was told I was good and the miles sometimes take a while ( up to 90 days ). The XXXX of XXXX was 90 days. 

When I call, American Express pushes me to XXXX. XXXX pushes me to American Express. Neither has resolved my issue. 

Additionally, when I called again today ( XX/XX/20 ), I was told that I did not meet the $ XXXX spend threshold. This would have been the first time in 4 American Express agents to tell me this, and run directly counter to what I was told when I downgraded my account. 

I am hoping you can help me get this resolved since neither American Express nor XXXX seem willing to take ownership of this deception.
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (GA)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There are 3 accounts that are on my credit report that are not legit. Two are from the same place which they are reporting 2 accounts from XXXX XXXXXXXX XXXX, and the other is XXXX for XXXX. 

XXXX XXXX are reporting two accounts that I know are not mine. 

XXXX is reporting me but I do not owe them anything at all. They say they have my account from XXXX. I called XXXX and they said I do not have anything in collection with them. I requested proof from XXXX and the 3 credit bureaus and also requested a detailed description of what I owe to XXXX *I have never heard of a place called XXXX & I never received any proof with my signature acknowledging any account. I have made these requests multiple time 's over the last two years and my requests are ignored.
Consumer complaint received 2022-03-21
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

There is are four ( 4 ) credit card entries on my credit report, dating from XXXX 2015 in the amounts of : {XXXX}, {XXXX}, $ {XXXX} & {XXXX} from Capital One for credit cards that I NEVER authorized!! I have reached out to the organization and made several attempts to have this error removed from my credit bureau report to no avail. In addition, I have opened multiple disputes with each of the credit bureau XXXX, XXXX, and XXXX to remedy this error. The results from each investigation came back the same : Account previously in dispute - Verified/reported by subscriber as correct/accurate. 

I am at my wits end!! I feel as if I am being held hostage by someone else 's fraud and no one seems to care that my life endeavors are literally on hold indefinitely!!! Can some PLEASE help me!!!!
Consumer complaint received 2022-03-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BARCLAYS BANK DELAWARE (NY)

Someone at XXXX claim I had a Barclay card which I do not have. I told her I check my credit report every day. I do not have any new accounts at all. The woman who sound like an older woman, claim I was going to be taken to court over this debt. I asked to speak to her supervisor. She claim she has none.
Consumer complaint received 2021-03-26
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. (MA)

Experian continue to inaccurately reporting account XXXX. This account has been re-aged. Re-aged account is a violation of the FCRA. XXXX is reporting XX/XX/2020, Experian is reporting XX/XX/2020, XXXX is reporting XX/XX/2020. All three dates and years are reporting inaccurate. I have attached a copy of my credit report showing the re-aged account dates and years. This is a serious mistake and subterfuge reporting by Experian. 

Please see attach copy of credit report showing RE-AGED account Violations of the FCRA.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2020-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-29
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. (NY)

In regards to the XXXX XXXX  account on my credit report- i asked all three bureaus to investigate for accuracy of the account and noted that I was being cited for a 60 day late payment without ever being 30 days late. The investigation failed to fix this BIG error which means all three bureaus failed to properly investigate. 

As a result I can either get my lawyer involved or to avoid all that DELETE THIS ACCOUNT.
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (DE)

Roundpoint Mortgage Servicer refuses to remove PMI from my account. LTV reached 78 % as of XX/XX/2022, no late payments on my side. According to my mortgage contract terms, PMI is due to be automatically removed once LTV reached 78 %. 

I attempted to resolve the situation with Round Point, and they insist that I pay appraisal fee and request removal which violates my contract and contradicts Homeowner Protection Act.
Consumer complaint received 2020-09-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (IL)

I keep receiving repeated calls to my cell phone and to my employer. I specifically asked them last week ( XX/XX/20 ) to stop calling me on my cell and employment and if they want to be in contact with me then to do it by email or USPS. 

Today XX/XX/20, same person called again today at my employment wanting to discuss the debt. I again told him to stop calling me and send everything by USPS, and I had to hang up on him ( XXXX  ). He keeps calling from 2 telephone numbers.
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

So for some reason Equifax won't remove this old account where I signed my rights as a parent away long time ago before the dates they even have I provided all of what I need to to show and the other her reports didn't move them so I'm just having a problem with Equifax in there not removing it and I would like it removed ASAP please and it's for child support that I'm not the parent of
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''