davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-17
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. (NC)

I have been having issues with my credit report for a few years. I have other names and accounts the may have been confused with my personal credit file. My name is XXXX XXXX XXXX. PLEASE DELETE ANY VARIATIONS OF MY NAME. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX PLEASE DELETE ANY OTHER ADRESS ON MY FILE THEY ARE NOT ACCURATE. THE FOLLOWING ACCOUNT I DON NOT HAVE ANY CONTRACTS, BILLS OF SALE, OR DISCLAIMERS FROM THE CREDITORS? I DEMAND THAT YOU PLEASE PROVIDE REQUESTED PROPER DOCUMENTATION AS BEFORE. SIGNED CONTRACT, UCC1,2,3, ANY PROOF OF CLAIM FOR 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 I have attached a copy of my ID and will be filing a FTC report and Police report as well!
Consumer complaint received 2019-02-18
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)

This lettter is a formal written request for you to investigate the following unverified accounts listed bellow : Accoording to the fair credit reporting act, 15 U.S.C 1681 your company is required by federal law to verify through the physical verification of the original signed comsumer contract- any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email fraudulent account. 
I demand to see a copy of the verifiable proof ( an original consumer contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed bellow then you must remove these accounts from my credit report and remove all none account holding inquiries in my credit report .Please provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2019-11-26
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: GOLDMAN SACHS BANK USA (OR)

I have credit monitoring services with several different companies. After the credit bureau data breach, I received notice that my identification information has been identified as listed on the black web. I am ill, I am having a battle with XXXX, and did not and could not have authorized this account. Someone acting as myself has taken this account in my name for their own benefit.
Consumer complaint received 2019-02-18
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. (GA)

This lettter is a formal written request for you to investigate the following unverified accounts listed bellow : Accoording to the fair credit reporting act, 15 U.S.C 1681 your company is required by federal law to verify through the physical verification of the original signed comsumer contract- any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email fraudulent account.

I demand to see a copy of the verifiable proof ( an original consumer contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed bellow then you must remove these accounts from my credit report and remove all none account holding inquiries in my credit report .Please provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2019-02-18
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. (GA)

This lettter is a formal written request for you to investigate the following unverified accounts listed bellow : Accoording to the fair credit reporting act, 15 U.S.C 1681 your company is required by federal law to verify through the physical verification of the original signed comsumer contract- any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email fraudulent account.

I demand to see a copy of the verifiable proof ( an original consumer contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed bellow then you must remove these accounts from my credit report and remove all none account holding inquiries in my credit report .Please provide me with a copy of an updated and corrected credit report showing these items  removed.
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HUNTINGTON NATIONAL BANK, THE (TN)

I checked my credit report on XXXX XXXX to discover that I had 6 hard pulls  on my credit report, of only 3 that I recognize. XXXX XXXX, is whom I have my SUV financed through. XXXX XXXX, is the dealership I purchased my SUV. XXXX XXXX  financed a credit card from XXXX. I would like the other 3 removed form my credit report. Please remove the following : Huntingtonbk Inquiry from XX/XX/2017 XXXX XXXX Inquiry from XX/XX/2017 XXXX Inquiry from XX/XX/2017
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: eMoneyUSA Holdings, LLC (TX)

I filed a complaint against emoney complaint ID XXXX. They were not reporting payment activity or payoffs. They fixed the payoff but reported the loan closed that I am paying on now. This is incorrect information. This has a negative impact on my credit. I am positive they did this on purpose due to the fact that I had to report them to report accurately. Completely unprofessional. The loan ID XXXX is open and I am paying on time. It needs to be reported that way.
Consumer complaint received 2019-02-18
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. (MS)

I have contacted TransUnion & let them know that the account from XXXX XXXX and XXXX XXXX does not belong to me. I have submitted a previous complaint against this company for reporting incorrect information on my credit report and they continue to report this information.
Consumer complaint received 2019-02-18
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. (NY)

I don't know if I ever took this loan out. I haven't been getting credit for my payments. XXXX XXXX sued me in Texas, i live in New York, and garnished my wages prior to the judge giving them permission to per the court paper work i have. Now XXXX XXXX is called XXXX. I am not getting credit for the payments I'm making them. NSLDS is not being updated with the payments I'm making them and they sent me proof they are reporting the payments to nslds. I want proof this loan was taken out by me, something with my signature saying that I took this loan out and it went towards my college education. Otherwise it could be an internet crime, fraud or identity theft, etc. I have police reports on file. On my credit report it states i have not been paying the loan & its in defeat and that's not true. I've submitted disputes with all 4 credit reporting agency 's.
Consumer complaint received 2020-01-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of idenity theif. I have asked that several times to investigate this item. The item listed below is the account that is not mines : PORTFOLIO RECOVERY # XXXX XX/XX/2018 {$1000.00}
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (IL)

They would deduct the highest charges in my account causing insufficient fees for all the smaller charges. Obviously created by design. If this was done reverse, there would be fewer fees. There times I was hit with 3 fees.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (FL)

I opened my secured discover card account XX/XX/2018 and was told after seven billing cycles, my account would be considered for unsecured. Its been almost 14 cycles and I hasnt been converted to an unsecured account. I have great payment history with Discover. And I love the cash back benefits but every time I contact customer service to speak about my account, Im given the same response of, it takes seven billing cycles .... I explained to the agents that if they look at my account theyll see Ive had it open longer than seven cycles but still Im never able to get a real explanation or reason why.
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I didn't know that there was a report on something I never signed or aware of. I recently downloaded XXXX XXXX for help with my report in general but got better answers in someone stealing your identity in alerts. I had no idea of this until now, because my credit should of been good.
Consumer complaint received 2019-02-18
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. (WA)

There is a collection on my credit report that Just recently appeared and it shouldnt be there. My daughter is getting phone calls from the debt collector threatening that they are coming to my house to arrest me. 

I disputed the charges on my Experian Credit Report. I have lived in Washington state for the past 15. - 20 years and this debt is for a home alarm service in a completely different state. Supposedly someone by the name of XXXX signed a contract with me but I have never seen the contract. I was never made aware of this debt until I saw it on my credit report. 
I dont feel that Experian did anything to verify the validity of this debt when I submitted a dispute to them online. Experian replied to say that the company said it is true so it is. The fact is that the debt does. It belong to me and I want it removed from my credit report.
Consumer complaint received 2019-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

Navient. 

Tried to auto enroll me in deferment of payments. 

My loan provider has changed multiple times unnecessarly since first beginning payments. 

I have selected an automatic payment option to focus on the highest interest loan first. Worked out fine for a couple months. Now it's not paying the other loans, allowing them to default and causing high fees. THEIR AUTO PAYMENT OPTION. 

Automatically changing my address unless I call them. I haven't moved. I can only assume this is to XXXX people over on their tax deductions. 

Tired of baby sitting them. Grade A corrupt business practices at every turn. Selling all my investments ( my entire nest egg ) to clear out of this debt which is suppose to just be 3-5 % APR but it's just not with all their XXXX. Going to encourage my son and anyone else who's interested in college to steer clear.
Consumer complaint received 2019-02-17
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: JPMORGAN CHASE & CO. (AZ)

This past summer I signed up online for a credit card with Chase Marriott and I was supposed to get a XXXX point bonus that required {$4000.00} in spending. I spent over {$4500.00} within the next 3 months fulfilling the conditions. When i called to say i never got the points, Chase Marriott said that i signed up for a different promotion where i needed to spend {$5000.00} and would receive XXXX points. I would have been glad to get this promotion but its not what i saw or what i signed up for. I asked them for proof of my signature, but they said they dont have it.Obviously their computer system mistakenly shows that i had a different promotion and they are refusing to fix it. I wish i had taken a screenshot of the promotion.I suggest that others make sure to do this.
Consumer complaint received 2019-02-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I received a letter from a collection agency notifying me that they had closed my account and requested that the credit reporting agencies remove the collection agency 's entry from my credit reports. 
Soon after that, my Equifax credit score plummeted 40 points in one day and up 55 points 2 weeks later, and down 54 last week for no traceable reason, with no update on my credit of the deleted collection agency and their entry.

At the same time, my XXXX credit went up 30 points and later up again another ten points, with a message to me that the collection agency record & entry had been deleted.

I disputed Equifax 's actions on their dispute form and received an email response 2 days later with their 'resolution ' stating that Equifax 's information and actions on my credit report were accurate.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

XXXX XXXX Ss # XXXX XXXX : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX XXXX XXXX XXXX  XXXX, CO XXXX I contacted XXXX XXXX XXXX XXXX  XXXX, CO XXXX asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Consumer complaint received 2019-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is in reference to case number XXXX. This case was summarily closed as being a duplicate. In actuality it was attempt to clarify the erroneous result of the investigation. 

Please consider the following : Attn : CFPB, XXXX XXXX Thank for the time and effort you have given to my situation. 

A. The matter regarding credit for {$5000.00} for a charge made to XXXX B. The matter regarding credit for {$2800.00} for a charge made to XXXX a. The result of your review is based on your misunderstanding of the timeline and coincidence of the amount and reason ( s ) for disputes. 
Recognize there were XXXX separate charges for {$5000.00} in close to one another. The first was to XXXX ; transaction XXXX and the other to someone from XXXX XXXX, XXXX, NV : transaction XXXX. 
I called in a dispute in XXXX. 2016 for the transaction XXXX in the amount of {$5000.00} by someone in XXXX NV. I did not make this charge. As you can see by the foreign fees I was in XXXX. Yes when noticed this charge I immediately called it in. The card ending in XXXX was cancelled by your fraud department and I was given a new number ending in XXXX. This was handled as it should have been and thank you for the great service at that time. 
Now fast forward to present time. I am now disputing the transaction XXXX, a charge I did make at that time in the amount of {$5000.00} to XXXX. XXXX has been shut down for fraud by the government and has gravely impacted its members due non-access to products and services and the internet marketing system. 
b. The charge for {$2800.00}, transaction XXXX to XXXX  was mentioned in the initial case submitted through CFPB. This is a charge that also represents the payment made to this failed company. The refund in the total of {$7800.00} is requested. XXXX + XXXX = XXXX. If I have to or there is a need to file a separate claim for this charge based on the same reason : FRAUD, then I will do so. Please advise. 

My response is in direct response to XXXX XXXX, XXXX XXXX, XXXX XXXX  received by mail.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

My XXXX  credit is Excellent but the Equifax report is Fair. There is over 60 point difference. I tried to get onto Equifax to check my report and couldn't. They took my credit card and charge me 3 times. When I called them they said they only charged once. I had to cancel my XXXX credit card and get a new number. Still can not get on the site. Tried to file a complaint. They asked me questions about my file to enter a complaint but all the information was incorrect and I had to choose none of the above. It said this was incorrect and to call but calling does no good. This place is a scam. Thanks
Consumer complaint received 2019-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (PA)

I read about a {$200.00} bonus offered by Discover Bank for opening an account and depositing {$25000.00} by XX/XX/2019 on XXXX XXXX XXXX. It read : " Open your account by XX/XX/19 Get Started To get your {$150.00} and {$200.00} Bonus Offer : What to do : Apply for your first Discover Online Savings Account by XX/XX/19, online or by phone. Enter Offer Code XXXX when applying. Deposit a total of {$15000.00} to earn a {$150.00} Bonus or Deposit a total of {$25000.00} to earn a {$200.00} Bonus by XX/XX/19. Maximum bonus eligibility is {$200.00}. 
What to know : Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded or affinity accounts provided by Discover.  Account must be open when bonus is credited. Bonus will be credited to the account by XX/XX/19. Bonus is considered interest and will be reported on IRS Form XXXX. Offer may be modified/withdrawn. '' I'm attaching a copy of the ad for the bonus. 

I opened the account over the phone and gave the offer code XXXX. The {$200.00} bonus was to have been credited to my account by XX/XX/XXXX - last Monday. On Thursday I phoned Discover to ask if it had been credited, and " XXXX '' said that it hadn't. I phoned back on Friday and spoke with a woman ( I think her name was XXXX but am not sure ) who said it still had not been credited to my account. She asked if I had given the offer code and I said yes. She said she would have to listen to the recording of my phone call to verify that I had in fact given the right code. 

It is unethical to promise a bonus and then delay delivering the bonus, and to look for an excuse not to offer the bonus. I certainly would not have deposited exactly XXXX at that time unless there were a bonus. And the phone number for Discover Bank is in my phone as " Discover Code XXXX '' specifically for that reason.
Consumer complaint received 2019-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (SC)

XX/XX/, 2018 I had a fraudulent collection removed from my credit reports from XXXX XXXX XXXX. I have now discovered a collection agency XXXX XXXX has placed the same collection back on my credit reports. 

This debt is NOT mine and was removed, XXXX XXXX is in violation of the FDCRA by using illegal tactics to attempt to collect on unverified accounts that they do not own and was NOT assigned to them