davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (TX)

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. However I have sent several letters requesting that XXXX, Experian and XXXX   remove the XXXX XXXX XXXX Mortgage account due to their failure to verify the accuracy within the 30 days. I then sent a follow up letter requesting validation of accuracy of this account and still the account is inaccurate and my rights are being violated. The XXXX  XXXX XXXX account is reporting that my payment history was " ok '' from XX/XX/XXXX until now, however look at XXXX report and they are reporting me as 120 days delinquent in XX/XX/XXXX, on Experian they are reporting me late from XX/XX/XXXX all the way up until XX/XX/XXXX! If the credit bureaus were taking my disputes seriously actually verifying the accuracy of this account, then why are the 3 credit bureaus reporting three drastically different payment histories. 
I am tired of being bullied by these credit bureaus and them not following the FCRA guidelines. Its unfair and causing me extreme emotional distress. Please help with removing this account from my credit files.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Equifax has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-11-07
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. (MI)

This investigation about my collection account XXXX XXXX, XXXX is on my XXXX, Equifax and XXXX XXXX. It is shown deleted in XX/XX/2019 but the account shows closed on my XXXX  and Equifax and shows open on my XXXX XXXX account. I have proof that it was deleted from my XXXX  and Equifax through XXXX. It supposed to been deleted from my XXXX, Equifax and XXXX XXXX for good. I been fighting this for 3 years or longer with XXXX, Equifax and XXXX XXXX. The XXXX XXXX, XXXX been deleted since XX/XX/2019 its XX/XX/2019. This doesn't make any sense.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tower Loan of Mississippi, Inc. (LA)

I recently reviewed my credit report where I discovered that ( TOWER LOAN ) reported what was notated as a ( LATE PAYMENT ) for a secure Loan account date opened ( XXXX  ) on my credit report. In pursuant to title 15 U.S.C. 1666b No creditor should treat a payment under an open-end consumer credit plan as a late payment. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

CITICARDS/CITIBANK sent me a promotional offer for a credit card. 
I have applied because the promotional offerred said it was going to be a soft inquiry when I was applying. 
My credit score is great close to XXXX and they still denied me for any credit limit. 
Now I noticed a hard inquiry on my credit that it is going to stay until XXXX  and this is not right. 
Why would you send a credit offer to me if the company can not approve my credit and why would the company lie about the inquiry they are going to put in my shoulders.
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Money is being requested by XXXX again to change date on documents for Suntrust to lease my funds I have no money left as they XXXX of my money to transfer to my account I am a senior caring for my husband with XXXX I paid for everything and by the time I could get the funds to pay it was a new year and now XXXX is requesting more money. I am desperate. 

XXXX me the XXXX I will pay you back I promise
Consumer complaint received 2024-01-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

Someone went into a best buy store on XX/XX/24 and made a purchase of XXXX XXXX not using my card but had a fake ID and used my SSN, DOB, and address. The company sent me a letter and advised that I will not be responsible for the balance on my card. The person also tried again to do purchases in the store but it didn't go thru
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (TX)

There is so many incorrect information in my credit report that i don recognize as mine, the credit bureaus is reporting a wrong personal information, not mine ... I formally request that the following inaccurate items be immediately investigated.

They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within XXXX ( XXXX ) days.I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Please send me my updated report as soon as your investigation is completed.
Consumer complaint received 2024-01-11
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)

My identity was recently compromised, which has been reported to all credit bureaus, yet I'm still getting unauthorized hard inquiries. I did not apply for any line of credit. Equifax and XXXX refused to proceed with the investigation. Despite all the documents I provided them, They either believed that I hired someone to process the dispute on my behalf or couldn't verify the FTC report. These are the inquiries that I tried to dispute on both Equifax and XXXX. 

EQUIFAX 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 2018-11-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX has been non-compliant with removing the unverified account BANK OF AMERICA which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that BANK OF AMERICA was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (CA)

I am writing to inform that both XXXX XXXX XXXX XXXX XXXX  ) and Healthcare Finance Direct ( HFD ) that XXXX XXXX XXXX has breached a newly executed contract, as also mentioned via an email exchange on XX/XX/2023. On XX/XX/2023, I booked a visit to the XXXX XXXX XXXX and eventually enrolled in a treatment plan which was to include an aligner treatment, in-person and telehealth check-ins, on-going customer support, and access to retainers post-treatment. In addition, I was promised a lifetime guarantee. I paid a {$250.00} deposit to XXXX XXXX XXXX and also a {$2000.00} payment to HFD via a contract for services promised by XXXX XXXX XXXX. I have since disputed this charge with my credit card company since XXXX XXXX XXXX and HFD have breached our executed contract. Since XXXX has closed its doors completely, not even allowing me access to my online account or treatment plan via the mobile application, they have breached the terms of my smile pay contract, with XXXX XXXX XXXX as the creditor, as it explicitly states the undersigned Buyer jointly and severally unconditionally promises to pay for services provided by XXXX. I am no longer receiving the services promised. I did receive my aligners, but I can not continue treatment without an overseeing XXXX and all doctors in my area have refused to oversee my treatment. I will need to start new treatment plans through them instead. Essentially, my treatment plan no longer exists. Since XXXX has violated the terms of their contract, I am informing you of my intent to stop further payment until the promised services resume and to stop threatening to hurt my credit score.
Consumer complaint received 2024-01-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I purchased a {$100.00} AmEx gift card for my XXXX  as a gift. She attempted to use it to make a purchase and it was declined multiple times. So I attempted to make purchases with it at other sites and with other vendors and it continued to be declined. I called the customer service line and no clear reason for why it wasnt working was given. The representative then told me the card would be put on hold for 24 hours. I asked why. He said because the prior purchases that were declined, which made no sense.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is showing a late payment in my credit report that a dont recognize as true, please make an investigation about these XXXX late payments .this late payment was XXXX XXXX... I formally request that the following inaccurate items be immediately investigated.

They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within XXXX ( XXXX ) days.I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Please send me my updated report as soon as your investigation is completed.
Consumer complaint received 2024-01-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

Hello. I got a notification on my XXXX about Columbia debt recovery trying to say I owe a year of rent for a place I have never even lived in. They are either trying to find people to pay things that arent owed or there is identity theft going on.
Consumer complaint received 2018-11-14
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (GA)

I opened a checking and savings account with Chase Bank in XXXX of 2023. They were advertising a promotion to receive an account-opening bonus if you met their qualifications within 90 days of account opening. The total bonus promised was {$900.00}, after meeting direct deposit and balance requirements ( maintain $ XXXX in savings through the 90 day period ). After the qualification period ended, I noticed that I had not received the first part of the advertised bonus. I went into the XXXX, GA XXXX XXXX XXXX and spoke with a representative who was able to research and find that Chase had an internal issue with the code that was applied when opening the accounts. They admitted that they'd experienced this issue/glitch with multiple customers and that the issue continued to impact others that opened accounts through their online channel. I was told that the code was applied ( in XX/XX/2023 ) and that the bonus would be paid as initially promised. After more time went by, there was still no bonus paid. I went into the branch and spoke with a representative about my concerns, who had their manager call me later ( with no progress made ). I also spoke with several people through their XXXX number who told me that I would have to wait 90 days from when *Chase* manually applied the coupon code on their system. This is not what I agreed to when I opened the accounts and I am unable to move my funds until their 90 period ends. My money has been tied up there for months and they have failed to follow through on their promise. They should make this right, immediately, and pay interest that I could have been earning in a better account with a bank who does right by the customer!!!
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC (OH)

In XX/XX/2023 I called as I was at 80 % equity on my loan. I requested the removal of PMI, the agent said I was approved and I will no longer pay PMI as of XX/XX/2023. I noticed in XXXX that I was still paying PMI so I called back and they claimed they informed me that after the original conversation in XXXX that I needed to pay more premium to have it removed. I was never provided this information. The only thing I received was a generic voicemail to call. It was never mentioned that they were contacting me regarding an issue with PMI removal so I assumed it was a sales call since I've had issues in the past with contacting them with questions and then being immediately contacted by their sales department. 

I spoke with a escalation manager and they refused to provide any compensation for their mistake. I explained how paying PMI instead of premium for these past few months has cost me financially since I am now paying more interest over the life of the loan. They claimed there was nothing they could do even though they admitted that the voicemail was not clear on the intentions for contact and nothing was sent in writing to let me know there was an issue.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Though I have disputed before and it was removed before. They are allowing a different collection agency re-add incorrect information to my credit report. It says that I owe XXXX for an account that I had with XXXX XXXX XXXX. When I graduated, I paid all fees and I received my diploma. I even have my account to show that I left the school with a {$0.00} balance.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

About two weeks ago I lost my wallet and set a fraud alert through Experian Credit Reporting Co. 

I have since found my wallet and would like to remove the fraud alert. 

I logged into the Experian the page to upload proof of identity information ( driver 's license and utility bill ) through the Experian website ( https : //www.experian.com/consumer/upload/fileUpload ). I was repeatedly unable to complete the online process. I received the following error message : " We were unable to upload the below document ( s ) successfully. You may submit your documents by mail to Experian, XXXX XXXX XXXX XXXX XXXX XXXX using this form. '' It seems the website is not working, or was designed not to process uploaded records. My records are smaller than the required limit ( XXXX XXXX  ) and in the proper format ( XXXX  ).
Consumer complaint received 2024-03-24
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)

Delete this Charge-off ( XXXX  account # XXXX ) for inaccuracy because previously you stated that you verified this account and I disagree the date last active show XX/XX/XXXX on XXXX XXXX, XX/XX/XXXX XXXX Experian and XX/XX/XXXX.
Consumer complaint received 2024-03-24
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)

Delete this Charge-off ( XXXX XXXX account # XXXX ) for inaccuracy because the date last active show XX/XX/2023 on XXXX, XX/XX/2023 XXXX Experian and XX/XX/2023.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NY)

I filed a dispute with US Bank over a charge from XXXX for {$65.00} due to the product being rancid. They told me the dispute would take up to 60 days. They then sent me paperwork to fill out, which I made a mistake on and asked for new paperwork. It took some time but they sent the new paperwork which wasn't received until after the deadline due to the delay. I sent back the paperwork. However, the charge from XXXX is showing on my account again- the provisional credit was reversed - because they are saying I didn't send the paperwork back by the due date when they knew that I needed more time and the company ( XXXX ) was allotted more time. The dispute is over protein shakes I received which were not drinkable and XXXX did not provide a way to resolve the issue that was satisfactory.