davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I just checked again my XXXX, Experian and XXXX credit reports and I can see accounts reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Consumer complaint received 2018-05-05
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 (MA)

I signed up for an American Express Platinum Delta SkyMiles card. 

The offer on the card was the following " XXXX bonus miles and XXXX Medallion Qualification Miles ( MQMs ) after {$3000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. A {$100.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership ''. 

I completed the spend requirement in the required time period. I never received the {$70000.00} bonus miles, XXXX MQM Miles or the {$100.00} statement credit after purchase. 

I contacted AMEX ( 4 ) four times with no resolution. I first contacted them on XX/XX/XXXX. I then contacted them again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, AMEX told me there " is a know issue and there is a delay in posting of the miles on your account ''. They told me I should wait an additional time period. I believe that contacting AMEX ( 4 ) four times and waiting at least 5 months is more than enough time for AMEX to have resolved this issues.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I received the letter with my dispute results from Experian and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with XXXX for the purpose of filing a complaint with your agency.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I have made disputes with Equifax for incorrect personal information and accounts that have not been corrected. I also requested proof of debt from Equifax. Equifax has allowed the XXXX XXXX XXXX account to list my collections account that I do not owe in my account section and has also allowed them to reage the account. Remove this account from my credit report or show proof of investigation. You continued to verify an account that I am not liable for due to fraudulent charges.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I submitted a claim to the Equifax data breach settlement site. I confirmed with the online tool that my information had been inpacted by the breach. The settlement company said they could not find my information. I asked for an appeal, they said they would and now they are not getting back to me. Over the last 6 months, I have asked many questions of the settlement company, XXXX XXXX, the responsible party appointed by the court for distribution of the Equifax data breach settlement funds, to no avail. I asked why their information was different than their online tool for confirmation, and no one could or would tell me. I asked who I needed to contact to get this info, and again no one could or would tell me, After many phone calls and many more hours trying to fix what has destroyed my life, right down to reporting identity theft that has cost me my business and a home, I'm at my whits end with no place to turn and no answers, no reimbursement for time spent trying to clean up XXXX report that is still not correct. 
Seeings how my information says I was inpacted by the online tool that then tells you to contact XXXX for credit monitoring, I honestly feel this is yet another scam and a way for Equifax to redeem some of their lost funds from the lawsuit, as Equifax was to pay {$120.00} for each person that opted out, or they could contact XXXX and get for free. Neither of which did I receive.
Consumer complaint received 2024-04-30
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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. 
Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these accounts and did not authorize them. They are reported by third party.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

After opening an account with Capital One to help build my credit. My account number ( not card ) was compromised and charges were ran up on my account. A nice rep assisted me in helping to remove the inaccurately reporting XX/XX/2017 60 day late payment to a current status. However this update still hasn't became effective on my credit reports. This 60 day late payments is costing me terribly. I have been dealing with this well over a year. I would like to believe that the domino effect created with identity theft will not be tolerated at CapitalOne and all opitions to help EVERYONE not just those effected on a grand scale but also small scales can get justice also.
Consumer complaint received 2024-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

AIDVANTAGE was contacted after I received billing that didn't match what the US Dept. of Education said my monthly bill should be under SAVE. I contacted the US Department of Education on XX/XX/year>. AIDVANTAGE was initially charging me XXXX a month when it was XXXX a month before I recertified. Once I recertified it changed to XXXX based on the SAVE program and AIDVANTAGE is now billing me XXXX a month. My salary is under XXXX a year and I shouldn't be billed more than 10 % of my discretionary income
Consumer complaint received 2023-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/21 we wired XXXX to someone posing as the paralegal for our closing attorney, XXXX XXXX XXXX XXXX XXXX SC. We did not reali3 we were defrauded until 2 days later when the closing attorney said they never received our wire. We immediately contacted Chase Bank to try to retract the wire but they were not helpful. We also contacted the FBI who tried to figure out who was hacked- our email, the realtors email? or the closing attorney 's email. We hired a lawyer who tried tried to help us recover the money & they feel we should have some protection from Chase Bank.
Consumer complaint received 2024-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MI)

I am a part of a class action suit, XXXXXXXX XXXX XXXXXXXX. I qualified for full relief from Aidvantage, loans discharged, refund of amounts paid on the relevant loans, and deletion from credit reports. Aidvantage is continually opening and closing unrelated loans, miscalculating payments and allocating refunds to unrelated loans. They need to restart the process with the original balances, with correct numbers to be able to correctly account for all my payments. XXXX of the loans in question has an original balance of {$0.00}. How could this be correct? If I took out a XXXX dollar loan, why was I making payments? Who was I making the payments to?
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

I'm in a debt settlement program with accounts held at Navy Federal Credit Union. I deposited {$2500.00} worth of currency into my Navy Fed checking account and the funds were automatically applied to my closed credit card without my permission on XX/XX/XXXX. I called them and they told me they wouldn't reverse the transaction.
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (AR)

I have filed two bankruptcy cases in the last 7 years. In the first one, my XXXX XXXX mortgage was included. That one was dismissed. In the second one, my XXXX XXXX mortgage was NOT included and the court has allowed me to pay the mortgage OUTSIDE of the bankruptcy. 

I have made MULTIPLE requests for XXXX XXXX to continue CORRECTLY reporting my monthly payments. For THREE YEARS, they kept reporting inaccurate information and had made credit report look like I was up to three years behind on payment. THIS TANKED MY CREDIT SCORE!!!

I have made several complaints to the CRAs and they have had me to send in my current bills to show that I was indeed current. So, the CRAs removed the inaccurate reporting. But, XXXX XXXX is REFUSING to correctly report my current mortgage payments. 

Right now, they are the ONLY company that is NOT reporting accurately, and they are not even part of the bankruptcy!!!
Consumer complaint received 2023-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (IL)

My mortgage company, New American Funding, debited a double payment this month. I think they double clicked a key and took out XXXX duplicate payments. I contacted them and they said i had to email my bank statement showing the double payment. They wouldn't remove the extra payment. They also wouldn't accept a screenshot of my online bank account showing the double payment. In the process of this mistake, my account was overdrawn by a XXXX dollars and I was charged a NSF fee of {$32.00}. They weren't interested in resolving this issue. So, I called my bank and put in a dispute. The bank refunded the extra payment and removed the NSF fee and started the investigation. This evidently XXXX off my mortgage company so they sent me an email with this response : This notification is to advise you that your bank recently rejected an automatic payment draft that you had authorized New American Funding to make on your behalf. A returned payment fee has been assessed to your account. 
They charged me " XXXX '' payments, not XXXX. Only XXXX of the payments was reversed, the one they mistakingly charged me and overdrew my account without my authorization. I have autopay so they can take out whatever they want. 
I'm very upset. I have never been late and have autopay so I'll never miss a payment. This company has done other sketchy things, causing me problems on my closing day and overcharging me. I can't afford to refinance right now and I feel I'm being intimidated by this company. I need help. I am calling my bank again, but don't know if they are going to take this payment out again and overdrawing my account, which they threatened to do on the XXXX. My next payment isn't due until XXXX. Please advise.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (NV)

On or around XX/XX/year> LCI Consumer Center reported inaccurate Information about a Bankruptcy pertaining to me, they also have inaccurate and unverifiable information about a bankruptcy in my consumer report file. In which they have been giving and reporting to other companies This is Inaccurate, invalid and unverifiable information. 
I have attached a letter from the UNITED STATES BANKRUPTCY COURT DISTRICT OF NEVADA verifying and stating that they do not furnish or report information over to the credit bureau or any Credit monitoring service nor do they verify or validate any information concerning bankruptcy, LCI Consumer Center is the reason this information is on my credit report and has yet to be remove. this unvalid and UNVERIFIED information violates fair credit reporting act
Consumer complaint received 2023-08-27
Product: Credit reporting 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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX These are fraudulent inquiries I did not give these companies permission to run my credit it's fraud
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

According to my credit report I have student loans on my credit report and the amounts are inaccurate. Im not anywhere near over {$60000.00} in debt and I want this issue taken care of. I would like to resolve this issue by removing the inquiry from my credit report well inaccurate debt and account balance from student loans.
Consumer complaint received 2023-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I called bank of America XX/XX/XXXX in regards to being locked out of my account and having a credit card that expired back in 2019. The onlything that got accomplished was an updated phone number and they gave me a number to call about a card replacement. 

Called them the following day twice. They claim they couldn't authenticate me after i answered all their questions. Told me to go to a branch or go online and rudly hung up on me so I called back. The 2nd person was a better experience but the authentication questions wouldn't populate. Told me to call back later on in the week. Didn't seem all that sure if a manager could help in my case. Their aware there's no branch near me. 

I can't login to my account because I need a non expired credit card to do that. They won't unlock my account or send me a card because allegedly they can't authenticate me and there's no branch near me to too. I did request a credit report so I can correct any issues that might be in there as well. This should have been standard practice to mention.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

The company WF CRD SVC XXXX XXXX ON XXXX HAD placed and unauthorized inquiry on my credit Report. With out my permission or Purpose or my written authorization. 
I'm requesting proof that I personally Initiated this hard inquiry and proof of written authorization form. 

WITH THE Company placed an unauthorized inquiry on my Ctedit report as many others Credit.Cards or car Lending have done damage to My self, lowering my credit report And complicating my life and Not able to get a Car Loan.
Consumer complaint received 2024-04-30
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. (PA)

Hello, My Name is XXXX XXXX XXXX XXXX, I am writing to have the following information in my file removed. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-01
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. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$430.00} GRAIN XXXX XXXX  XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$640.00XXXX XXXX XXXX  XXXX Balance : {$430.00} XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe resulted from identity theft, as well as a charge-off entry that inaccurately represents the current status of my account. I am seeking resolution in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ).

As a victim of identity theft, it is crucial that I take immediate action to protect my credit and personal information. I have identified certain information in my credit file that I believe is a result of this identity theft. Pursuant to 15 U.S. Code 1681c2, I request that you block the reporting of any information in my file that resulted from this identity theft.

I kindly request that you promptly initiate the blocking process within four business days of receiving this dispute. The specific information that I believe resulted from the identity theft includes fraudulent accounts, unauthorized inquiries, and incorrect personal information.

In addition to the identity theft dispute, I also dispute the charge-off entry related to the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$5100.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$6500.00} Balance Updated : XX/XX/XXXX Original Balance : {$3800.00} Highest Balance : {$6500.00}
Consumer complaint received 2024-07-05
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. (NY)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX