davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX DEPT OF EDXXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENTOF EDU Original creditor XXXX XXXX XXXX XXXX Balance XXXX XXXX US ; DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-04-18
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 (CA)

I earned a XXXX points bonus through an introductory American Express Platinum card offer. However, after being assessed the next year 's annual fee, I called American Express customer service to downgrade to Gold as we no longer wanted to pay the increased annual fee for Platinum. Before downgrading however, I very clearly asked the agent to verify that my points would not be impacted by this move and he assured me that there would be no change. This happened in XX/XX/2022. However, in XX/XX/2022 when attempting to book a flight using my points, I found that my account had been debited the XXXX points. I was confused by this as the agent had told me otherwise. When I called American Express again, the agent told me that this was because I had not been a Platinum member for a full year. I told them that didn't make sense because I had already been assessed an annual fee already so I must have hit the year mark. However, I then checked and found that I was a month short of hitting the year mark which I wasn't aware of at the time of downgrading ( and was completely unexpected given I had already been assessed my next year 's annual fee ). I told the agent that this was a very misleading practice, and on top of that, the agent I had spoken to had confirmed my points balance would not be impacted. The agent replied that they would pull up the recording itself and if that's indeed what the agent said, they would award the points back. They did say this would take up to 14 business days. Fast forward to today and I've already called American Express multiple times after each 14 business day period. They keep skirting the issue and telling me that they'll need another 14 business days to research the issue. At this point, I'm convinced that AmEx is just trying to avoid awarding me back the points I earned. I'm incredibly frustrated by the deceptive practices being employed at and am now forced to escalate this via the XXXX 

Note that this is what I wrote through the XXXX  in XX/XX/2022, and I continue to go back and forth with American Express through there but the company has not been helpful for months. I've told them to go back to the recordings and listen to them, but there's no evidence that they've done so. And they won't release the recordings to me unless I have a subpoena. I'm at my wit 's end at this point in terms of trying to deal with their agents.
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

VALIDATION AND CEASE AND DESIST Collection agency name : JEFFERSON CAPITAL SYST Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : Your NAME : XXXX XXXX Your address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy ofany contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute thevalidity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EQUIFAX, INC. ()

All about related EQUIFAX DATA BREACH c/o Legal Administrator XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. 
XXXX Defendants are all EQUIFAX Inc , Services & Consumer them has being rejected my file affected by the data breach XX/XX/XXXX said : does not exist my SS file affected at the breach dated, is not accurate because my SSN exists on the XXXX XXXX targets at the breach fighting against Identity stealers. I am a Victim fighting against mistakes of Defendants. 
2.- Why Legal Administrator Law Firms ask Defendants if my case is valid or not? Like I explain I have fighting Identity Theft XXXX against stealers uncovers by violent criminal Organization, its unresponsive behavior protecting my Data an XXXX millions  of customers. 
3.- Like I written before FTC report numbers XXXX dated XX/XX/XXXX expenses {$40000.00} & FTC Reports XXXX dated XX/XX/XXXX {$25000.00} I want back my expenses. 

4.- The Courts finds the Claims Administrator also declares it has full filed its duties but is a lie because reject my expenses received XX/XX/XXXX when the form writes must be postmarked or submitted online NO LATER than XX/XX/XXXX. Another lie Administrator is the Courts Find. Effectively reached the Settlement Class I am part of Settlement Class getting out. 
5.-EQUIFAX Data Breach Settlement c/o XXXX Legal Administrator XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has being unable of reach XXXXXXXX XXXX of XXXX affected, its phones response 13 months later. 
6.- I want my expenses Back {$40000.00} included {$25000.00} sended XX/XX/XXXX recieve by administrator XX/XX/XXXX 13 days before. 
7.- Defendants wrong doing continuing because reject my petition for Anual Credit Report since XXXX 4 years [ 3agencies ] = 12 years without credit Reports.Did not makes Identity Thefts Protection for 7 years, became deny {$25000.00} expenses XXXX to XXXX. 
8. XXXX in XX/XX/XXXX give me UPDATED my Email and he give me the letter but I nevertheless received back anything in my Email. Call again I wait for a call XXXX on XXXX Them never call me back.
Consumer complaint received 2023-04-18
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. (TX)

XX/XX/2023, I received a debit card from XXXX XXXX for an account I did not open. I called XXXX XXXX the same day and reported this as fraud. In addition to the opened accoiunt, a credit card application through XXXX XXXX was still in process. I checked my credit report and found hard inquires from XXXX XXXX for these accounts. I have been assured that this bank account and credit card are either closed or canceled, but I have not received the promised letter to me and the credit bureau regarding this fraud, and it remains on my report. I have disputed this several times with XXXX without any notable investigation or success, although I have had success with TransUnion.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: W&A Intermediate Co., LLC (TX)

XXXX  XXXX opened XXXX balance reported on XXXX  is {$900.00}. Account is already out of my XXXX and XXXX  credit report. Need my XXXX  to also reflect the same. 

Wakefield & Associates There is a duplicate on this account both of the accounts associated to this company has the exact amounts of {$1100.00}
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: Navient Solutions, LLC. (WA)

I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. I was XX/XX/XXXX years old at the time and was ensured that the student loans I opened through XXXX XXXX were federally backed XXXX Loans that I was afforded as a Ward of the State. At some point the loans were transferred to Navient due to XXXX XXXX losing the right to service federal loans due to misconduct. At all points of communication, the loans were referred to as federally backed student loans. I have been a forward XXXX XXXX in the XXXX XXXX since XXXX and have not been stateside to directly deal with the loans and have been relying on online pay and communication with Navient. On XXXX XX/XX/XXXX, I received a notification from the Department of Education about Student Loan Discharge Based on XXXX XXXX XXXX. " Your loan ( XXXX ) will be XXXX based on an XXXX finding that The XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. '' When I contacted Navient about this release from the XXXX Department of Education in regard to the loans, I was told that the loans are considered private loans that I opened with Navient. At no point have I ever opened a private loan with Navient. I was then sent an application to submit with Navient to have my loans XXXX, which I submitted on XXXX XX/XX/XXXX. 

I received an email on XXXX XX/XX/XXXX that my loans are now being transferred to XXXX. Further research into the reasoning for the transfer is that Navient was barred from financing Federal Student Loans. 

Navient denied my discharge application on XXXX XX/XX/XXXX, however, gave no reason for the denial. I then called the number listed on the letter for the XXXX XXXX XXXX XXXX XXXX to speak with a representative about the denial. I confirmed with the person I was speaking that their office was the ones that made the determination on the letter sent. They refused to give reasoning for the denial and refused to send a copy of the original loan documentation they received from XXXX XXXX regarding my loans. My biggest contention with this process is that my loans were " federal loans '' or " federally backed '' when it best suited them and when a federal determination to discharge the loans due to misconduct was issued, now it is solely referred to as a private loan. Every single interaction I have with them they continue to refer to the loans as if I opened the loan with them directly. 

Now, XXXX XX/XX/XXXX, even after they informed me that my loan is transferred to XXXX, they called me saying I still need to pay them for my loans.
Consumer complaint received 2023-05-15
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. (CA)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXXXXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX. XXXX Balance : {$3900.00}.
Consumer complaint received 2023-05-15
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)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX  XXXX Original creditor : XXXX XXXX. XXXX Balance : {$3900.00}.
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (GA)

In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. 

I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Inaccurate/Fraud Account ( Not mines ) American Coradius International LLC is a debt collector Account name : XXXX Account with account number XXXX : 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates
Consumer complaint received 2022-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A. (IL)

My Citibank XXXX account got hacked. I tried calling the fraud department, the hacker redirected the call and knew all my information. The hacker knew my bank card and pin. I did not authorize the transaction, the notifications I received were fake through text and email. I tried explaining it to the bank, and used a different phone to try and contact them because I was not sure if my phone was still hacked. I have still not received a decision from my bank institution. I went to a bank branch and opened a new Checking account and ordered a new card. I am worried they will not return my money, this has never happened to me since I been a member since XXXX. I also submitted a complaint with XXXX and requiring extra security for consumers. I am submitting this request due to XXXX XXXX set by the Federal Government. 
Date : XX/XX/XXXX Amount : {$2800.00}
Consumer complaint received 2022-07-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I XXXX XXXX submitting this claim myself and no third party is involved. I XXXX XXXX, a natural person, and creditor of a open ended credit plan was denied my right of credit by Capital One. I was notified of this transgression of my rights, specifically 15 USC 16001-T.I.L.A, by Capital One. Via U.s mail. According to the 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by Capital Ones adverse action taken against me, Capital One admitted to using a credit scoring system that assigns a numerical value on information in my credit report. Capital One admitted XXXX the credit reporting agency advised them to share my PRIVATE info via my credit consumer report. According to 15 USC 1602 ( p ) XX/XX/XXXX Never had my permission to allow Capital One to view my non public private information in result I received no benefit from this credit transaction. Capital One adverse action against me, denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. Capital One is now civically liable to pay me for the damages.