davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

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. feel like i'm 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 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had matched with someone on XXXX ( XXXX dating app ) they had mentioned some inheritance money that they needed to transfer and move and i said no to begin with. we talked for another month or two before i gave in and said i would let them use my bank account to transfer funds where they needed to go with the hope that i could make a quick buck. I unfortunately gave my banking information to them as the girl said the lawyer needed it to make sure that i do not take all the money and leave so i obliged. The first half of the inheritance money came into the account around XX/XX/XXXX and was transferred out over a few days without any hiccups for a total of $ XXXX that was transferred out through XXXX with bank of america XXXX Three weeks later the second half of the money was to be deposited however due to a fraudulent check noticed by bank of America they had stopped and froze my accounts and are still in the process of closing my accounts for the date is XX/XX/XXXX when they will close my accounts. I have since cut off all communications with this person and i have screenshots of the girl and her lawyer trying to get me to give out my new banking information as they 'wanted to make things right ' because i was now in debt to bank of america for the initial {$9800.00} that came into and was transferred out of my account using XXXX  XXXX the 'lawyer ' i spoke with was wanting information that did not need to be given in order to send me the money to my new bank account in order to pay off the debt i now had with bank of america however i did not give out any information and have since filed a police report with the local north port police with the hopes to get the negative account balance corrected and for me to get the remainder of my funds back from bank of america , a total of {$3400.00}. throughout this whole endeavor none of my money was touched or moved however i now have that {$9800.00} negative balance that i am trying to get corrected as bank of america can not help or reverse this due to the fact that 'the transactions and security codes used were from a known device '
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/22 I submitted a dispute to TransUnion for multiple hard inquiries on my report that I did not recognize nor authorize. 
On XX/XX/22 TransUnion responded and stated that each company does not require my authorization to pull my credit report and I must call them directly. 
On XX/XX/22 I contacted each unauthorized inquiry creditor and was transferred to multiple departments each time with no representative able to find any record of my information, authorization for a credit application, or an application on file. 
On XX/XX/22 I contacted TransUnion via phone to confirm that each creditor has no record of my information on file. I was told by XXXX that they will not remove the dispute and my only course of action was to contact the creditor although they do not have any record of my information.
Consumer complaint received 2022-09-06
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. (SC)

Upon checking my credit report, I noticed the following accounts being listed that were not open by me. XXXX ( XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) please delete the following accounts as they were open fraudulently.
Consumer complaint received 2024-08-26
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. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (MI)

On XX/XX/2022, I canceled my flight with Frontier Airlines, but they did not refund me as requested. They issued a travel credit which I have advised several times I do not want. They have failed to respond to any and all requests made as well as previous affidavits. This is my final attempt to resolve this matter before taking legal action. I have attached a notice of default and an affidavit for review. Reservation numbers are XXXX AND XXXX
Consumer complaint received 2022-10-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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. feel like i'm 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 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 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 2022-10-28
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. (LA)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2022-10-28
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. (GA)

In light of recent investigation upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past few months I have made several attempts to remind Equifax of their duty pursuant to 15 USC 1681. It appears that they have intentionally and willfully been neglecting remedying my affairs. 15 USC 1681e ( b ) states that I am due, promised accuracy in my report based on federal law.

I did not apply, nor ask for credit, nor did I give permission to this company to run my credit, place a hard inquiry on my credit file, or furnish any inaccurate information.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (IL)

I had conversations with representatives from Experian, XXXX, and XXXX on XX/XX/22, regarding the potential that they might have reported fake accounts on my consumer file. Since I didn't know where these accounts came from or have any knowledge of them, I begged them to delete them. All three businesses informed me that I had to provide documents and complete an FTC report. On XX/XX/22, I really accomplished that and mailed my letters by certified mail. The accounts are still included on my report more than 30 days after I sent my letters, and despite the fact that they are not mine, they were somehow " confirmed. '' Because this circumstance prevents my family and I from being able to purchase a home, I am incredibly perplexed and irritated about it. On XX/XX/22, I contacted all three companies once more and questioned how they could demonstrate that these accounts belonged to me. They just advised me to speak with the creditors directly and said they couldn't offer any further assistance. It came as no surprise when I tried contacting every creditor who had been falsely stating on the consumer file that they were unaware of me or the accounts. I'm unsure of what else to do, so I searched online and found the CFPB website, which some of my acquaintances said may be helpful in my circumstance. I sincerely hope that this is helpful because my family and I are trying to apply for a house and we truly need it.
Consumer complaint received 2022-10-28
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. (ME)

Equifax will not remove XXXX account and the XXXX account both of which are 7 years old from my credit report with them. XXXX has removed them both. I would like a {$1000.00} each for both accounts as they will not remove them.
Consumer complaint received 2022-10-28
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)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as law for any purpose.
Consumer complaint received 2022-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

This is my third time complaining about FEDLOAN servicing. 

I know your company is closing down, but shouldn't you work until the last day to take care of our loans. 

I complained about issue with getting my refund request on XX/XX/XXXX. Received the response from your company " Advocacy Office '' after your thorough review. You stated that the request is on hold by the Department of Education and my closed loan with {$0.00} balance will be transferred to a new servicer. 

How come your agents ( customer service ) have no clue about the plan and always gave me inconsistent and inaccurate information when I called to check the status. 

One agent ( XXXX XXXX told me there is no refund request - and submitted a new request on XX/XX/XXXX. 
One agent told me on Monday XX/XX/XXXX that my loan won't be transferred because it is closed. 

I also emailed your Office of Consumer Advocacy on XX/XX/XXXX -- BUT no response. 

I also requested the account balance history which includes all transaction - including the last paid off transaction -- - BUT has not yet received it. ( The one that I received online on XX/XX/XXXX - did not include the last payment on XX/XX/XXXX. 

If my loan will be transferred to a different FSA - WHEN would it be and WHO would it be?
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (AR)

In XXXX of XXXX I paid my account balance in full that was late. At that time I was told my account was closed and in good standing. In XXXX of XXXX I ran a credit report and see Im 90 days late and owe them XXXX XXXX I called and was told the new balance is XXXX XXXX I was told my account had been closed since XXXX but these are the account fees for each month plus late fees. I call back XX/XX/XXXX and was told now that the fees are from monthly XXXX $ Open account payments plus late fees plus return fees from a auto draft I never set up. The card was closed in XXXX with a full payment and still being charged. I have asked to speak with a supervisor on XX/XX/XXXX and no one answered after over a hour on hold. Before being transferred my only option was to pay XXXX $ on a card that had a XXXX $ balance in XXXX of XXXX and closed at that time.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

An old account listed on my file from XX/XX/2015 with XXXX XXXX is not being removed by the credit reporting agencies. It is over 8 years old and is a violation of my consumer rights to be able to remove outdated and paid accounts from my credit file.
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT WORLD SERVICES, INC. (MO)

Credit World Service Inc Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims.
Consumer complaint received 2022-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

Amsher Collections Services has violated my rights as a consumer by furnishing reports in connection with credit transactions not initiated by me the consumer. I do not owe any debt to XXXX. 

Pursuant to FCRA 15 usc 1681 Truth in Lending 15 usc 1601 FDCPA 15 usc 1692 all negative accounts must be removed. all collection accounts must be removed.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

XX/XX/2022 the amount is {$43000.00} I uploaded my discharge paperwork from VA and I disputed the accounts but the credit bureaus didnt dispute it they kept it on my credit report
Consumer complaint received 2022-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Did a voluntary repossession on the XXXX XXXX XXXX in XXXX of XXXX to Credit Acceptance. Vehicle was purchased on XXXX & XXXX from XXXX but upon return to the states it had mechanical issues. The purchased vehicle 's warranty was not honored for repairs. The vehicle was voluntary repossessed and told the company it could be picked up from XXXX of XXXX, AL. I don't if storing the vehicle from XXXX XXXX XXXX  because I wasn't in the states. I have not seen the vehicle since XXXX of XXXX. I told Credit Acceptance, i could not afford the loan and repairs as a XXXX  veteran.
Consumer complaint received 2023-02-16
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. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I filed a dispute with Fith Third commercial banking. I noticed suspicious activity on my account. I had low funds and overdraft charges. I corrected that. But, I have no idea how much money is missing due to fraud. Then I noticed two unauthorized charges by XXXX pending {$5.00} which was cleared and pending {$2.00} which was posted on XX/XX/XXXX. 

So, I filed a dispute on XX/XX/XXXX since Friday is my day off work. The Case Number is XXXX. The representative says " there will be a credit of {$2.00} '' ... until " the case is investigated within 90 days. '' But, I am more concerned about my financial safety. 

Problem ( s ) : USPS has not been delivering my mail including bank statements and credit cards. XXXX account was recently hacked. I suspect someone has access to all that info. I called XXXX to file a complaint. The representatives there argued with me instead of actively listening, insulted my intelligence, and condescendingly acted like I don't know what I was talking about, then refused to assist after I could not provide the Fifth Third Bank XXXX previously connected to my XXXX XXXX transit account. I REMOVED ALL PAST CARD INFO FROM XXXX. I mentioned an old card number, however, it was the one ending in XXXX that I destroyed and closed out to have a new card reissued to me through the mail. The Representative says " XXXX XXXX was swiped to use the XXXX by accident. '' I do not like being lied to. I have been using my mother 's XXXX card and ordered XXXX XXXX to get to work on time and back home safely. 

As much as I would like {$2.00} refunded back to my account, I am closing out the Fifth Third checking XXXX. I changed to a new account. I also requested to issue a new card be sent to the Fifth Third XXXX bank location within 7-10 business days. Since I have not gotten my mail in 30+ days from USPS ... I must request all financial mail to be picked up at the bank in person and held at the post office so that I can pick it up in person.
Consumer complaint received 2023-02-16
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: ERC (TX)

After sending several correspondence beginning on XX/XX/2022 to this company in regards to the incorrect data placed on my credit report. I know it is my right as a consumer to request this company to validate this debt. I never received the information requested, I only received correspondence stating that this account was verified. I requested the method of verification and an audit trail and still nothing was presented.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (LA)

In XX/XX/2022, I signed up for a new American Express card with an introductory promotion of {$350.00} statement credit after {$3000.00} purchase within the first 6 month. I met the criteria to receive statement credit and was awarded {$350.00} statement credit within 3 months. I decided to go with a better everyday charge card that was more suited for my spending habits with better benefits. In late XXXX, I close the account to avoid paying the annual fee knowing that I would not be keeping the card long term. The account was closed with XXXX balance. 

American Express, later added a {$350.00} ( statement credit ) charge to the account because the account was not active for 12 months before being closed. 

Apparently it was listed under the terms and agreement. This was listed in the finest print, not under the PromotionaXXXX terms but under the Annual fee which I find very deceptive. An annual fee which is waved the first year but if you cancel your account within the first year you are XXXX a fee of {$350.00}. 
even though they can uncancelled the card and reinstate the account, American Express refuses to remove the charge.