davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (PA)

I closed all my American Express accounts a few years ago. In XX/XX/2017 I ordered a copy of my credit report, and it showed AmEx still open. I contacted AmEx and filed a complaint with the credit reporting agency. I recently received an annual copy of my credit report, and the card was still showing as open. I phoned the number for AmEx on the credit report, but the automated info asked for my account number and I don't have the complete number, so I was on hold forever until I finally hung up.
Consumer complaint received 2024-04-11
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. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 2024-04-11
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. (NC)

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$19000.00} XXXX XXXX XXXX Account Number : XXXX {$5100.00} XXXX XXXX XXXXXXXX Account Number : XXXX {$4100.00} XXXX BANK Account Number : XXXX {$0.00} XXXXXXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXXXXXX  Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Account XXXX XXXX XXXX {$330.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$160.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$19000.00} XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XXXXXXXX XXXX Account Number : XXXX {$4900.00} XXXXXXXX XXXX Account Number : XXXX {$310.00} XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$5100.00} XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$160.00} XX/XX/XXXX
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canno furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a XXXX XXXX  account under an open end XXXX XXXX plan as late for and purpose.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

Creditor has not updated my request to remove and close account for illegally reaging my account from XX/XX/XXXX to XX/XX/XXXX the creditor reaged my account more than 6 months. 

on XX/XX/XXXX i requested Please delete off my EQUIFAX account because the creditor has re-aged my account and this a FCRA Violation. Equifax aged my account to XX/XX/XXXX however XXXX shows XX/XX/XXXX creditor has failed to update dispute status, which is a violation please do not correct but remove from my Equifax report because high credit limit is inaccurate. XXXX and XXXX shows different limit please remove off my report XXXX reported " 60 days late in XX/XX/XXXX but reported ok in XX/XX/XXXX this is inaccurate and unverifable
Consumer complaint received 2023-03-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Through XXXX Several People XXXX monies totaling XXXX out my account. I do not even know how to XXXX and I do not know any of the people that received the money. 

When I contacted Wells Fargo several times they told me it was nothing they could do. One teller called me from the bank on her personal phone and threaten me saying that since I had said I would get a attorney I had threaten her, and she went on to say I would never get my money back. 

It was not until I spoke with my XXXX XXXX XXXX that some listen to me and I start the process to getting my money back with their aide.
Consumer complaint received 2018-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Snow and Sauerteig LLP (CA)

I am located in XXXX, CA but my family lives in XXXX Indiana. I was visiting family in Indiana in XXXX of XXXX and due to an XXXX  XXXX contracted earlier in the year in XXXX, had to go into the Emergency room. 

Before going into the E.R., I was experiencing XXXX XXXX XXXX - however, I was under the impression that my insurance was not covered outside of CA. So, I was going to writhe in pain vs. going into the E.R. and getting pinged with medical bills that would insure my children never have an opportunity to go to college. That said, my parents urged my to call XXXX in CA who reassured me I would be covered and to absolutely go in. 

So, I went in to the E.R. in Indiana. Later that year, after reaching my out-of-pocked deductible ( I had XXXX  XXXX which maxed it out ), I receive a collections notice for {$130.00} from Snow & Sauerteig LLP ( I never even received a medical bill to begin with ). I explained to them that I've reached my out-of-pocket deductible to for that year and to take it up with XXXX of CA - they continue to send me messages despite asking them to cease and desist on the phone. 

Now, it's XXXX of XXXX and I just received an additional bill for {$300.00} from XXXX XXXX - I don't even know who/what that is and never received a medical bill to begin with, plus I reached my out-of-pocket deductible, plus, my insurance would've covered it anyway. 

I am a XXXX XXXX - these aren't inconvenient bills, these are devastating financial hardships that are not mine to owe. This is the only " civilized '' country in the world that allows spineless sharks like Snow and Sauerteig LLP to prey on helpless, disenfranchised middle and lower-middle class people like myself. Collection firms like this are the bane of a broken American system and I refuse to remain helpless in the face of corporate medical, financial, and other conglomerate, multi-national institutions that make life miserable for the rest of us while they grow fatter and fatter and fatter.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Help Needed to Correct Credit Reporting Errors Dear Sir/Madam , I am writing to request your assistance in resolving inaccuracies on my credit file. Despite my attempts to address the issue with the credit bureaus, I have not received a response or seen any correction of the incorrect information. 

On XX/XX/2023, I notified the credit credit bureaus experian, XXXX, and XXXX about multiple errors regarding my name and address. Unfortunately, the credit bureaus have not taken any action to rectify these mistakes. This situation is concerning as it hinders my access to credit and violates my consumer rights. 

I kindly ask for your intervention to investigate my case and ensure compliance with relevant laws and regulations, such as the Fair Credit Reporting Act ( FCRA ). Specifically, I request that the credit bureaus delete the erroneous information and retain only accurate details. 

My only name Is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Any address or name different the state above should be delete immediately from my credit file. 

I appreciate your prompt attention and support in resolving this matter. 

Thank you for your assistance in protecting consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (AZ)

Despite submitting all required PSLF documentation to qualify for special waiver XXXX loan forgiveness, MOHELA stopped short of giving me credit for all qualified payments. They processed all of my submitted employment certifications without updating my XXXX payments counter. I was credited XXXX payments and then MOHELA stopped updating the count. MOHELA has not given any explanation as to why my count stopped at XXXX payments despite having documentation certifying well over XXXX payments and granting me forgiveness. I called the servicer on XX/XX/XXXX but the customer service representative was unable to explain why my count is not being updated. I was advised to wait a few days for the issue to be resolved. After over XXXX weeks nothing has happened and no communication from MOHELA. My count continues at XXXX for over a XXXX days and MOHELA has not communicated with me and I received no explanation or justification.
Consumer complaint received 2024-04-11
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: EQUIFAX, INC. (NJ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: AppFolio, Inc. (FL)

I recently applied to rent a house and was denied due to an outstanding balance for somewhere I have never lived and with a company that I have never conducted any business with relecting my report that was provided to me by AppFolio. I was told that this fraudulent information could be listed with other companies such as XXXX etc. From the report that I was provided it reflects an address ( XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ) that I have never used or resided.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

Chase Bank Customer Service Department Dear Sir/Madam XXXX I am writing to inform you that I have recently received a check from [ XXXX XXXX XXXX ] in the amount of XXXX, and I believe it may contain a corrected payment. I want to confirm that this check is legitimate and not fraudulent. 

The check was issued on XX/XX/2023, and the payment could be a correction for a previous transaction or invoice. To ensure that this payment is processed correctly and promptly, I kindly request your assistance in verifying the authenticity of the check and processing it accordingly. 

Enclosed with this letter, please find a copy of the check for your reference. If you require any additional information or documentation to confirm the legitimacy of this payment, please do not hesitate to contact me at XXXX or via email at [ XXXX ]. 

I appreciate your prompt attention to this matter and look forward to your confirmation of the check 's legitimacy. Your assistance in resolving this payment is greatly appreciated. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-20
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: TD BANK US HOLDING COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-04-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A. (NY)

I applied for a personal loan thru citibank application XXXX, my loan was denied and I waited for letter to let me know reason. The loan was denied because according to citibank I have a fraud alert on my XXXX report. I called XXXX they said I have NO alert on my credit. I called citibank they claim I still have alert? I Called XXXX again they said I dont have alert on file. Citibank requests i reapply for loan system wont allow me because it still shows above application.
Consumer complaint received 2024-04-11
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

See case XXXX Today it will be 4 months of complaints against Mohela My loan payments should be {$50.00} a month They continue to be unresponsive or truthful with your agency or me Recently they claimed I was in school ( not true ) I am attaching the current bill in excess of {$600.00} a month
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

I have made monthly payments on time since the required payments started again in XX/XX/2023. I have been making each payment on time and have never missed any payment. However EdFinancial is sending the entire monthly payment for the month of XXXX to interest and nothing to principal. This is incorrect and hurts the student loan payment because the entire payment is going to interest and not paying down the loan. This is an unfair and unlawful practice to a student loan borrower. If the monthly payments are all going to interest and then accrued interest is also being applied, the loan balance is constantly increasing and never decreasing. This is illegal.
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$300.00} XXXX XXXX Balance : {$170.00} XXXXXXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX : {$370.00} XXXXXXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$300.00}
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm reaching out regarding significant inaccuracies in my TransUnion consumer report. These errors are adversely affecting my financial standing and encroaching upon my personal privacy rights. My full legal name is XXXX XXXX XXXX, and I'm independently raising this dispute without any third-party involvement. 

My current and complete residential address is XXXX XXXX XXXX, XXXX, NC XXXX, differing from other reported addresses. Additionally, I'd like to highlight the inclusion of irrelevant employer information in the consumer report. This information is not pertinent to my creditworthiness and strays from standard credit reporting practices. 

The inaccuracies primarily pertain to my address and employer details, and I urge you to promptly update or delete these errors from my credit file. 

The following inaccurate addresses : XXXX. XXXX XXXX XXXX, XXXX, NC, XXXX - XX/XX/2020 XXXX. XXXX XXXX XXXX XXXX, XXXX, NC, XXXX Please delete the following employers ' names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed are documents verifying my accurate personal details and the initial dispute via mail with the credit bureaus for your reference and prompt action. The inaccuracies reported violate my rights under both the Privacy Act ( 5 U.S.C. 552a ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Both legislations mandate accurate and up-to-date reporting of consumer information. I anticipate a timely response and resolution to this matter in compliance with the regulations outlined in the Privacy Act and FCRA.
Consumer complaint received 2024-04-11
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-04-11
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)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

Even though my account has been closed due to unauthorized charges, Aspire continues to charge " Account Maintenance Fee '' of {$12.00} and " Late Payment Charge '' of {$41.00}. My entire {$60.00} payment on XX/XX/year> has gone to pay the " Total Fees for this Period of {$53.00}. '' At this rate, I will never pay down the balance.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXXXXXX XXXX XXXXXXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.