davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (FL)

CREDENCE RESOURCE XXXX Account number XXXX Balance : {$160.00} Balance updated : XXXX XXXXXXXX XXXX Original balance : {$160.00} Date opened : XX/XX/2024 Account type : XXXX XXXX XXXX XXXX account. {$160.00} past due as of XXXX XXXX 
This account is identity theft I did not have any obligation with this account or company false or misleading representation. 15 USC 1692g VALIDATION OF DEBTS. ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) DELETE under 15 u.s.c. 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Remove and delete all information.
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-07-24
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. (LA)

My name is XXXX XXXX, I've reached out to Sears Master Card services, to resolve a promotional balance program. I didn't sign up for this protional program and I requested that Sears show me proof of signature or evidence to my involvement in a promotional balance. I went on a cruise during The month of XX/XX/2017. I consumed a XXXX during that trip and Sears Master Card placed me in a promotional balance program that I didn't sign up for. I've been with this company for about 5 years and I've never missed a payment. I'm being charged outrageous high interest rates that's additionally added to my monthly note. I have audio proof of contact with Sears discussing my concerns. They can't show any signatures of me signing up for this program. I'm struggling to pay this, Sears is trying to charge me XXXX month plus, this amount is basically XXXX additional to my monthly note. My automatic payment went from XXXX to XXXX. I need proof I sign up for this program I wasn't aware of.
Consumer complaint received 2023-06-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (ID)

I applied for a construction to permanent loan from Wells Fargo in XXXX when it came time for Wells Fargo to step up and convert the loan to a permanent loan, they claimed they never offered that service. A year ago they returned the origination fee a paid to get the permanent loan with a letter say since I opted to not move forward they were returning my origination fee. I had finally gotten over the fact that they forced me into bankruptcy, lied and cheated back at that time and then I get this letter. I realize many people were in a similar position and I an not the only one. I have documentation proving they had offered this service and it didn't matter. I have found over the year that Wells Fargo is an organization of extremely unethical people and it starts at what was the top back then.
Consumer complaint received 2024-05-04
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: Experian Information Solutions Inc. (LA)

I sent the credit bureaus all the information they claim they needed and they still have not properly investigated and made the proper changes. I sent all of my personal information and verifying documentation as well as detailed account information on all accounts that are falsely reporting. They must remove this false information from my credit reports as soon as possible. This is causing me a great deal of stress.
Consumer complaint received 2024-05-04
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: Experian Information Solutions Inc. (IL)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my complete understanding that Experian will investigate this account for me to ensure accuracy, Here 's the account I am asking you to FULLY verify as accurate : XXXX XXXX, Account Number XXXX
Consumer complaint received 2023-06-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (NY)

Over the years, I have written several letters in hopes of rectifying this situation. I have received a letter stating that this debt was written off as a charge off in XX/XX/XXXX. This company is now reporting inaccurate information to all three credit bureaus, claiming that this is a new debt and that this account was opened in XXXX. According to a letter I received from XXXX XXXX XXXX XXXX XXXX. This account was opened on XX/XX/XXXX and charged off on XX/XX/XXXX with a balance of {$1500.00}. On my credit reports, this company is stating I now owe almost {$1800.00}. Which is completely incorrect. I am asking for this company to be reinvestigated for posting inaccurate information and I would like for this collection to be removed from all three of the credit bureaus. This is not my debt and I have been fighting this for so long. I did not authorize for this account to be sold and it should not have been reopened as a new debt. This is harming my credit and I would like for this to be rectified as soon as possible.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I asked previously this company to provide specifically a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I have attached a copy to show another collection company reaching out about the same debt. the debt was PAID IN FULL with XXXX  XXXX. PLEASE DELETE THIS COLLECTION from all credit bureaus IMMEDIATELY!
Consumer complaint received 2024-05-04
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: Experian Information Solutions Inc. (OK)

Someone from a XXXX area using the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX, has tried multiple times to open several credit cards in my name. I do not know this person and i did not authorize these inquires. This is all the info i could get on the inquires. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, il XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXX- XX/XX/2023 XXXX XX/XX/2023 @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXXXXXX XXXX XXXXXX/XX/2023 - XXXX XXXX XXXX XXXX OH, XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX UT XXXX XX/XX/2023 XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ky XXXX XXXX XXXX ( finance ) - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, il XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

BY 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. XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX, and XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX A Account Number : XXXX 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 AN 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 IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXXXXXX XXXX XXXX XXXX Account # XXXX I am writing to request the blocking of a fraudulent collection account from my credit report pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This account is the result of identity theft, and I am seeking to have it blocked from my credit report. 

Please block this fraudulent account from my credit report as required under the FCRA. Additionally, I request that you confirm in writing once the account has been blocked.
Consumer complaint received 2024-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY ()

XXXX  XXXX ID THEFT AND PROMOTION BAIT AND SWITCH : I helped my father apply for the Delta Skymiles card from American Express. The promotional offer was for XXXX miles with XXXX ( if my father spent {$2000.00} after XXXX months ). I remember us clearly selecting this offer because I had passed on the option of referring my father through another offer in which he would have received XXXX miles and I would have received XXXX miles for referring him. However, we selected the XXXX mile offer from the landing page of the landing page of website ( https : //creditcard.delta.com ), which is still available as I am writing ( XX/XX/year> ). The card my father applied for clearly would award XXXX miles if the spending obligations were met. In other words, we clearly remember evaluating and passing on an inferior offer of XXXX miles for my father plus XXXX for me, selecting instead an offer that would provide XXXX miles to my father, so that he could get the miles he would receive through the better offer. We went through great pains to make sure that we applied through the better offer. 

My father received a credit card several days after replying, however it was in my name. The contract was in his name, however, the name on the card was mine. They said that they must have made this mistake because we lived at the same address and I already had a credit card, however, this made no sense at all, because he entered his name, Social Security Card information and personal data. This concern about identity theft -- why did the credit card company issue a card in the name of a person who didn't apply using data that was not entered into the account -- however, when my father called customer service, they told him that he would only get XXXX miles as part of his offer. 

There was no XXXX mile offer when my father applied for the card. There was XXXX if I referred him and XXXX if he applied independently. I was with him when he applied independently using the proper links and choosing the correct promotion, but customer service from Amex XXXX insisted that they would have to open an investigation with marketing to determine how the application was opened and via which link, even though there was no link with XXXX miles as an option and despite the fact that we both recall clearly using the link with XXXX miles as an option to apply. We only became aware of the bait and switch tactic when we called to express our concerns about ID theft ( the issue of the credit card in the name of someone who did not apply ). 
This appears to be a systematic scheme to prey on older people as my father is XXXX XXXX XXXX. It is preposterous that Amex XXXX would not know and need to investigate this
Consumer complaint received 2017-07-03
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. (SC)

I reached out to this company several of times about accounts with  XXXX   XXXX . The account is showing wrong information such as incorrect name and dates of birth. These accounts and past the  seven year  mark and some I have no knowledge of. My report is also stating that these are closed accounts. These accounts should be removed from my credit report because it is causing me financial hardships.
Consumer complaint received 2017-07-04
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (NC)

My name is XXXX XXXX and I would like to file a formal complaint.
<P/> XXXX XXXX scammed me into believing they offered a legitimate loan consolidation program by using the official-sounding Obama Student LoanForgiveness program.
<P/>
I immediately started making monthly payments to XXXX XXXX and stopped the payments to my current loan servicer Navient which is one of a select group of companies chosen to service student and parent federal loans for the U.S. Department of Education. They fraudulently accessed my FASA ID by using both my Social Security and Driver 's License Number.
<P/>
I have filed complaints on federal and state levels including with the state of North Carolina Dept. of Justice. The funds have most recently been return.
<P/>
Here is the new problem. My husband and I were looking to purchase a home. After pulling my credit report, the lender informed me that they could not move forward with approving the loan because I had late payments applied to my student loans within the last 6 months. This is due to me paying XXXX instead of Navient.
<P/>
This is devastating to me! I would like to move forward with charges against this company so that they do not do this to anyone else. XXXX continues to represent itself as a Student Loan Forgiveness program and they are not. We will have to wait at least another year before we can begin the home purchasing process again.
<P/>
Please help me stop this fraudulent company hurt someone else.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (NV)

This is the third job I've applied to that uses this company for their background checks. For one, they have my deceased fathers name listed as another name for me. I've asked them to remove it they have not removed it. Number two, they continue to report outdated negative information on my report. This information is past XXXX XXXX XXXX. They asked me to not disclose anything XXXX years or older that was criminal so I didn't. Then they proceeded to report things that were from 2006. The information they keep reporting has cost me to have XXXX separate job offers rescinded. Good paying jobs that I really needed and would have had were it not for this company reporting such old outdated information. I want them to stop reporting it. Please. It's ruining my life.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westcreek Financial (TX)

I reached out to the loan company, Koalafi on XXXX, and XX/XX/XXXX regarding a fraudulent account opened using my personal information. I have no affiliation with this account or the funds received. Koalafi will not investigate or close this account and I am being held responsible to make payments. This account is now showing up on my credit report which is how I became aware of the fraud. I noticed the account on my credit report on XX/XX/XXXX and immediately emailed Koalfi that night, and have followed up with phone calls on XX/XX/XXXX and XX/XX/XXXX. Please help.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-05-02
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 again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-11-02
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. (GA)

XXXX XXXX XXXX XXXX XXXX XX/XX/2021 This account has incorrect information, I have never had late payments. 

INQUIRIES 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
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am submitting this follow-up complaint to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by XXXX and XXXX. However, I have noticed that certain fraudulent items remain on my report with TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : 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
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am disputing this account because it is reporting a balance of {$8300.00}, which is incorrect. The vehicle was deemed a total loss on XX/XX/year>, and payment of its value was made to XXXX XXXX on XX/XX/year>, for {$13000.00}. 

The original loan amount was {$19000.00}, and I should have been credited for the remaining {$5400.00}, which was covered in the gap waiver/addendum I signed in my contract. Attached is the installment contract that backs this information and specifically states on the last page that " You shall have no further obligations under the contract in the event the vehicle is lost due to theft, confiscation or destruction. '' It also states that " You will not owe the difference between the net unpaid balance and the Actual Cash Value of the vehicle, '' which is exactly what I am disputing.
Consumer complaint received 2024-06-03
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. (TX)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year>2024 2024
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (OK)

Multiple attempted and made to restore my access to my gemini.com account. Despite repeated emails from their support that provided incorrect information or information that did not correct the issue, I finally was able to regain access to the account and sell the asset. However after sale of the asset the platform refuses to let me withdraw the funds to my bank. There is an undisclosed 72 hour delay that I have dozen customer support representatives failed to ever mention in the process and I can find nowhere in their verbiage. 

Furthermore, these were charged and none of the documentation available through their website the exact amount of what the fees were which would be needed to file appropriate taxes for gains made on the asset. This should be required to be disclosed after the fact as specific line items in the transaction details but it is completely hidden from me. 

It seems you can put money into their platform and perform transactions but its nearly impossible to get any money out. Thats kind of the way in which a Ponzi scheme works.