davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

ResurgentXXXX XXXXXXXX refuses to send requested notice of ownership of debt, original credit application. I have no idea when this account originated. They did send a statement stating the credit limit was {$600.00} but that {$930.00} is required to settle.
Consumer complaint received 2024-10-08
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. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 Any 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 2022-11-25
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX
Consumer complaint received 2022-11-25
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)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be updated. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be updated immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-11-25
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: LEXISNEXIS (SC)

On XX/XX/2022, I sent a letter to the courthouse with tracking number # XXXX, asking do they report bankruptcies to the credit bureaus, and I received a letter stating that they do not report any bankruptcies to anybody. So, if thats the case, how did the credit buraus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C. 1681 section 602 A, states I have the right to privacy.

According to 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.

According to 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 2022-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (IL)

Insurance fraud due to either incompetent or malicious business practices on claim number XXXX. 

Chase offers luggage delay insurance through this company. The process is simple and clear : submit specific documents listed on their website supporting conditions of the claim. I have submitted these documents initially, yet the company keeps asking for more documentation in a circular fashion : I provide documents XXXX XXXX XXXX XXXX XXXX XXXX as required and submit. 
They respond asking for XXXX I respond with XXXX 
They responding asking for XXXX and XXXX I respond with XXXX and XXXX 
They respond asking for XXXX and XXXX I respond with XXXX  and XXXX 
And round and round I go up to 6 times now. I always respond within 24 hours, yet they take a week+. This is clearly an attempt to run me around into giving up and/or is completely incompetent. Either way, I am owed my XXXX.
Consumer complaint received 2022-12-17
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: CITIBANK, N.A. (MS)

When I contacted CitiBank on XX/XX/XXXX for their promotion, I was informed that I would have 0 % APR for 12 months and 0 % APR for balance transfers for 21 months. However, I check my account and reached out to CitiBank today ( XX/XX/XXXX ) and was instructed that I didnt receive the 0 % APR for purchases and it only applied to balance transfers. If you go to their website you will find that the CitiBank Simplicity card offers 0 % APR for purchases and balance transfers. I applied over the phone the on XX/XX/XXXX and was informed I would have both and I have spoken with another customer service representative and was instructed that I had until XX/XX/XXXX. When I called today XXXX stated I didnt have it and their was no one else to assist me and no calls could be pulled. XXXX call reference # XXXX would not allow me to speak with a supervisor and/or manger and stated no would could help me. Also, XXXX reference # XXXX informed me that he was unable to find my promotion and no one else could assist me with finding it. I was informed more than once that I had 0 % XXXX by a representative and no one will help me pull the call to hear what I signed up for. Could someone please HELP me or make sure that they stop misleading information? I should have never done my application over the phone and I have learned a valuable lesson. Thank you! XXXX XXXX!
Consumer complaint received 2022-11-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ORG GC GP BUYER, LLC (FL)

Just Received another call from GC Services in regards to my Student Loans. I informed the guy that was calling - XXXX XXXX something I believe he said his name was. I did not let him finish. I informed him that my student loans were forgiven due to the school closures and fraudulent issues they have caused millions of students and now in a lot of debt and damaging their Credit Score, life and a trying to go back to school to complete and further education and not able to get a position in the field of work you went to school for.
Consumer complaint received 2022-11-22
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. (IL)

Although XXXX, XXXX and TransUnion did remove " some '' of the unauthorized accounts and inquires, a few more remain.
Consumer complaint received 2022-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (FL)

i applied for an American Express Card on the American Express website on XX/XX/2022 XXXX XXXX XXXX AMERICAN EXPRESS CARD and XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Ref : XXXX. American Express refused to process both applications and did not approve or deny either application. Amex also did not send me the required notices by U.S. mail. 

I also do not believe that Amex is properly adhering to the Equal Credit Opportunity Act. 

I am confident that if i applied again for an Amex card, my application would not be processed. 

The actions of American Express damaged my credit by generating 2 hard credit inquiries, despite there being zero chance that my application would be processed.
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (TX)

I'm in the market to purhase a new home so I pulled a copy of my credit report and to my surprise found some errors. The errors are hurting my chance of buying a house for myself and my family any time soon. I found on google that I can request these item to be verified and receive a response within 30 days. Please help me out.
Consumer complaint received 2022-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MD)

My loan was transferred from XXXX to Roundpoint Mortgage Servicing. They took the initial payment after transfer ( have my bank statements to prove it ) and now they are trying to charge me double the next month, slap me with a late fee, and likely ding my credit. I can not get anyone on the phone or an email response back. Instead it just pushes me to make the double payment on their automated phone system. I even called last month in advance to confirm the transfer was successful and a rep assured me it was fine and went through. This is absolutely absurd and I need this resolved ASAP.
Consumer complaint received 2022-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (AL)

Convergent Outsourcing is attempting to collect a debt that I don't owe in the amount of {$73.00}. I never opened an account with XXXX and not sure why this has showed up on my credit report. This is a case of identity theft and is a violation of my rights 15 US Code 1681 A4 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US Code 1 A ) the consumer authorizes the agency to provide such report to such person. Convergent Outsourcing has no right to report on my credit report. Convergent Outsourcing and XXXX should not have any of my personal information. 15 US code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Convergent Outsourcing and XXXX are in violation of contacting me this is harassment and abusive practices. This is a violation of rights and Convergent Outsourcing failed to send me a debt validation letter before placing this account on my credit for that Convergent Outsourcing should be investigated and shut down as the economy is hard enough living during post XXXX  XXXX. Furthermore whomever really owes this debt should be given a grace period before the debt is just placed on their credit report since XXXX hit the world out of no where and people are trying to repair the financial damage it's caused the debt is only for {$73.00} but the negative impact it has on someone's credit staying for 7 years is crazy and should not be allowed! I am pretty sure there's a way to work out a payment schedule that both the creditor and the person responsible can figure out.
Consumer complaint received 2022-11-25
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)

I disputed accounts and the the accounts came back as verified. When I tried to dispute the information again due to it being correct I was informed that I could not dispute it because it had been verified.
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (TN)

On XX/XX/2022 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 I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CA)

Hi, I called EdFinancial on XX/XX/14 to request a refund of {$20000.00} as I received Pell grants in the past so I believe I would qualify for the full Biden-Harris forgiveness amount.

The agent said they put the request through, but I havent seen any requests or updates made on my account at EdFinancial or StudentAid.gov. Im upset because others were able to receive refunds and then loan forgiveness before the program was put on hold due to Republican challenges.

I cant get an answer from EdFinancial as to whether or not I will receive the refund, or even a timeline of WHEN I will find out if the refund would be approved or not. Ive called to check on the refund 3 times now, and they basically say the same thing which is basically nothing!

Even if the Biden-Harris debt relief program never goes through, I still need the refund due to not having a job currently. I used most of my XXXX money to pay off the {$80000.00} loan, and now wish I feel like I did myself no favors by doing the right thing! All I need is an answer or reasonable timeline regarding the refund, so I can plan my financial life. Theres no reason why EdFinancial keeps giving non-answers! 

Please help! 
XXXX XXXX
Consumer complaint received 2022-11-25
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. (CA)

I have reached out to Experian over 20 times through the last 30 days between phone calls, letters, and e-mails to your executives which have all gone unanswered.

To date Experian has triggered an unsolicited fraud alert and unilaterally decided to send that information to the other 2 major credit reporting agencies. 

Since the fraud alert, I have called in to confirm that I had given no consent for any changes to be made to my account and had been assured on each occasion that the fraud alerts have been lifted. 

I can confirm that Experian still has my credit frozen. So I repeat, I demand that ALL reports through Experian under my name are to be unfrozen immediately as I never requested or gave any consent for a credit freeze to be implemented or communicated to another report as that constitutes as non-public information.
Consumer complaint received 2022-11-25
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. (MA)

I disputed accounts and the the accounts came back as verified. When I tried to dispute the information again due to it being correct I was informed that I could not dispute it because it had been verified.
Consumer complaint received 2022-11-25
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. (NJ)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2022-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MA)

Hundreds of people are facing this issue. 
Your assistance in helping me may help hundreds if not thousands of others.

Please read the customer comments below this article post : XXXX XXXX XXXXXXXX I and hundreds of others are being denied access to our money. 

Here is the crux of the matter : Citi XXXX locks a customer account. 

They then ask the customer to call in and ask to verify the customers phone number. 

CitiXXXX then tells the customer that they can not verify the phone number on file. This is a lie. They do this to many many people. The phone number is correct and with a large XXXX XXXX. CitiXXXX says the phone number is invalid and that the only way to verify and unlock the account is to wait up to 10 days to receive a physical piece of mail with a code. 

They are making hundreds of people wait to access their money until they receive a piece of mail. They lie that they can not verify the legitimate number on file neither via phone call or XXXX. 

This is unjust restriction of access to customer owned funds. This is an unjust and laborious and time consuming process to regain access to customer funds.
Consumer complaint received 2022-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

Caine & Weiner placed a false debt in my credit report around XX/XX/2022 and again on XX/XX/2022 after receiving a certified letter on XX/XX/2022 that this was NOT my debt.