davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

Ive been trying to get my credit report through Experian, I spoke with them over the phone but the issue never been resolved, last time a report was made on my credit file was in XX/XX/2022. That geopardise me, I was denied by XXXX credit card because they couldnt pull up my credit report through Experian, Everytime when I try ordering my credit report through the annual credit report I am also getting the same issue, my personal information doesnt match. I had a free membership account with Experian but they still not able to help me, Ive been on their file last ten years, why I couldnt get a new report?
Consumer complaint received 2018-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I first identified a problem with my Capitol One account in XXXX of XXXX to notify them of fraudulent charges that had occurred on my account. At that time, my credit card was cancelled and a hold was put on the account so no other charges could be charged and would be sent new credit cards. We were told to make a list of all of the fraudulent charges that were against our account totaling {$1700.00} starting from XX/XX/XXXX XXXX XXXX XXXX. We explained to them that because we were set-up on an automatic payment system and they were sending the billing address to the wrong address, we had not become aware of the charges until we were doing an account overview of all of our accounts. Since that first point of contact in XXXX of XXXX, I have faxed over the list of fraudulent charges twice, most recent being XX/XX/XXXX. I have also spoken to various customer representatives and supervisors almost every month, last point of contact being at the end of XX/XX/XXXX ( when I faxed over the fraudulent charges again ) in which I was assured that they are still investigating these charges and that I should start seeing some charges being reversed ( there has been none ) .I have been told over and over these charges will be taken care of and I feel like I keep getting the run around and I am still having to pay money towards this balance and interest.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2024-03-21
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)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2024-03-21
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)

On, or about, XXXX, I mailed, uploaded and called both XXXX and Experian about an account on my consumer report that were unverified and invalidated with the intent to get the accounts deleted based on these findings. Both XXXX and Experian then replied back to me, XXXX via letter and Experian via online app, that the account was indeed verified and updated. However, there are inaccuracies in the reports as noted in my uploaded pics of the " updated '' account in my consumer profile. I am aware of the rights granted to me by the FCRA, specifically 15 USC 1681a which speaks on the duty of the consumer reporting agencies to report accurate information. This account is not accurate in multiple ways as shown in my uploaded documents. Please see attached files.
Consumer complaint received 2023-05-10
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion and XXXX and XXXX collections The balance amount XXXX sent to XXXX and Transunion is incorrect XXXX Correct amount is XXXX See attached proof Trsnsuion snd XXXX refused to acknowledge my including my report from my insurance company XXXX copy attached Also the copy from original creditor XXXX XXXX XXXX shows correct amount owed to them All this information is being ignored
Consumer complaint received 2024-03-21
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. (MO)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-09-23
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 (TX)

I was offered a XXXX XXXX " Gold ' Credit Card back in XXXX of XXXX. As a part of the promotion, XXXX was to issue 60 thousand bonus miles after I spent {$1500.00} ( within 3 months of issuance. ) I have met all requirements on the month of XXXX. While I expected bonus miles to be credited to my account at the end of XXXX, XXXX representative whom I have spoken notified me that it usually takes 4 to 6 weeks. So I waited until the end of XXXX and reached back at XXXX as I have not received it. I was told to wait another 4 weeks. After not seeing the bonus miles in my XXXX statement, I reached out to XXXX once again, only to be told that there is a technical issue and I must wait 6 more weeks. On XXXX XXXX, I was " in writing '' informed that bonus miles would hit my account as of XX/XX/XXXX. And once again I have not received them. So I called on XX/XX/XXXX, where I was told by the rep. that she was manually overriding the system and I would have my miles within 24 hours, as well as an additional 2 thousand for my troubles. 
And of course I once again did not receive them so I reached back and I was told to wait for 2 weeks!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Notified on XX/XX/XXXX of a declined rental application. With the denial I received a copy of my credit report via Experian, and noticed a number of erroneous inaccuracies on my report creating a detrimental impact on me and my family. 

Contacted Experian, denied assistance with the removal of the unauthorized/unverified inquiries per FCRA. 

Inquiries that are unauthorized/unverified : 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

On XX/XX/2023, I handed to Citigold Customer Service, Citibank, at XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX the proceeds of an XXXX XXXX  matured IRA CD via XXXX Official check in the amount of {$83000.00}, with instructions to rollover the same into a Citibank IRA for one year. On XX/XX/2023, I completed and signed the necessary forms and presented the same with my ID to the officer who advised that an IRA account could not be opened UNTIL the rollover application was forwarded to the retirement division and therefore the proceeds were temporarily deposited into my checking account, with the understanding that the funds would be transferred into said rollover IRA within approximately one week.

That never happened and approximately two weeks thereafter I was advised that it was necessary to complete once again the rollover application and again provide my ID, which I did at that time. In addition I was misinformed that I could not withdraw any funds from my new IRA without incurring a penalty prior to maturity of my new IRA CD and that any anticipated 2023 distribution funds should be left in my checking account until the CD matures. Based on this misinformation, $ XXXX was designated to remain in my checking account. I am a retired XXXX  citizen. 
Thereafter, each time I communicated with Citibank, I was assured by both XXXX XXXX, the officer at the XXXX XXXX branch ( who stated Citibank had full control via its retirement division ) and he assured me my rollover was being processed and the issue date of said rollover would be the date on which I handed over my proceeds and completed the rollover application ( i.e., XX/XX/2023 ). 
During each conversation with the XXXX XXXX branch and its retirement division ( where no person would divulge their full name or ID information and the first names kept changing ) during the months of XXXX and XXXXXXXX XXXX I repeated the XXXX limitation required to rollover said funds and was repeatedly assured the rollover date would be XX/XX/2023. 
Finally, I received a confirmation that the funds, less {$6000.00}, had been rolled over into a retirement account on XX/XX/2023 ( NOT THE EFFECTIVE DATE OF XX/XX/XXXX LAST AS PROMISED as advised by Citibank AND ONE WEEK PAST EXPIRATION OF THE LIMITED 60-DAY ROLLOVER PERIOD ( i.E. XX/XX/2023 ). 
I have just received an XXXX Statement issued and covering the period through XX/XX/XXXX last, evidencing the full amount of {$83000.00} is now treated as taxable income, as a direct result of Citibank 's failure to roll over these IRA funds on XX/XX/2023 ( which were handed over to Citibank, NA XXXX XXXX branch on XX/XX/XXXX last ). Needless to say, my financial security has been severely harmed and damaged by Citibank 's egregious acts and mishandling of this matter. 
Attached are copies of XXXX XXXX check dated XX/XX/XXXX last, my Citibank rollover application dated XX/XX/XXXX last, and XX/XX/XXXX XXXX  Statement.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-17
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have an ongoing complaint with your agency that ties in directly with my new complaint as I am being completely ignored and robbed of my rightful funds and this problem is now working on year number XXXX. As stated in my other complaint for now XXXX years plus I have disputes multiple transactions made with a Bank of America XXXX XXXX XXXX  debit card without a security chip ( this is due to the banks negligence of not offering them for XXXX XXXX customers only " regular '' bankers, which is extremely insulting from the start ). See XXXX complaint CFPB ID XXXX which is still in progress sans a solution due to BOA asking for extended resolve time. However a few of the charges were finally returned only to make 3 days worth of call to them trying to get an update as well as access my funds and being told they can't verify me, yet asking me nothing but my name, being shifted from XXXX rep to the next, getting hung up on over half the time ( today after being on the phone with a rude woman from Oklahoma for XXXX mins ). Finally I was able to find out I could get a XXXX XXXX of XXXX dollars a maximum of twice in a XXXX week period. After XXXX hours on the XXXX and XXXX XXXX XXXX rep was finally able to verify me ( even though until I filed the XXXX complaint with your agency I've never had an issue doing so ). When I called to get the second and after XXXX XXXX and XXXX hours I was told they couldn't tell me the issue, they can't let me into my online account, they can't discuss anything, they can't release funds, that there is no supervisor nor manager after I repeatedly asked them was put on hold only to be hung up on with XXXX attempt at a callback. I am at my wits end with these people and should be entitles to my money after all this and now I'm being shunned all together as some of my returned money just sits in their bank. It's insane. Thank you so much. XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SG and Associates (IN)

Stafford Group and Associates bought a debt from XXXX XXXX  in the amount of {$5300.00} regarding a charger that I had purchased back in 2019 from XXXX XXXX ( XXXX XXXX  XXXX  ). Within a month, the car 's transmission faulted out and was covered by the warranty under the vehicle. Due to the fact the car was non-functioning XXXX XXXX  agreed to return my initial deposit and 1 payment that was made on the car. Because they gave me back my deposit and payment we signed paperwork completely dissolving the agreement that was signed, by mutual agreement. Stafford Group & Associates is now trying to collect on a debt that was dissolved. This is inaccurate, illegal and I have the paperwork from XXXX XXXX to prove this. I have never had any contact with Stafford Group & Associates either regarding this debt.
Consumer complaint received 2023-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

My student loan has been forgiven as part of the PSLF program. I made XXXX qualifying payments, exceeding the required XXXX payments by XXXX. I have requested a refund of the overpayments, as well as the payments made during the COVID payment freeze, via email, chat, and telephone since my qualifying payment total was updated in late 2022. Please advise about the proper way to request a refund for overpayment. 
I am not attaching any documents because MOHELA possesses all of the information they need- either during the time of servicing my account, or from the previous holder of the account, XXXX.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX XXXX TRANSUNION Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX ). XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX ). PXXXX XXXXUPDATED Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2023-11-17
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


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