davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
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. (AR)

I am writing to formally register a complaint against your organization for the persistent inaccuracies related to a late open account on my credit report. Despite my ongoing efforts to rectify this issue, this error remains, adversely affecting my financial reputation and creditworthiness. 

I have previously contacted your agency on multiple occasions regarding the erroneous reporting of this late open account. I have provided extensive evidence and documentation supporting my claim that this account was inaccurately reported as late. However, these efforts to correct this mistake have been met with repeated failure on your part. 

It is crucial to emphasize that the accuracy of the information contained in credit reports is paramount, as it significantly impacts individuals ' access to credit, loans, and financial opportunities. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies like yours conduct thorough investigations and make corrections when inaccuracies are identified. 

Despite my previous communications and the evidence I have provided, I continue to face the following adverse consequences due to the inaccurate late open account on my credit report : XXXX obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Harm to my creditworthiness and financial reputation. 
I hereby formally request that you take immediate and effective action to investigate the late open account on my credit report and correct this inaccuracy. If you find that the account was indeed inaccurately reported as late, I insist on the following actions : Correction of my credit report to reflect the accurate account status and history. 
Removal of any derogatory information associated with this account. 
Provide written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including proof of the account 's accurate status and any correspondence related to this matter. I trust that this information will facilitate your investigation and the swift resolution of this issue. Please help me correct this late open account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-09
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: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX I returned a set of items to XXXX XXXX XXXX using the XXXX label provided by them. Fedex label with tracking number XXXX. 

Tracking shows that merchandise was sucessfully returned on XX/XX/XXXX. Despite me following exactly the steps requested by the merchant, merchant refuses to refund me for merchandise. Amex is also not supporting me despite all the information I've provided.
Consumer complaint received 2022-12-13
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. (NY)

I'm sending a complaint in accordance with the Fair Credit Reporting Act 's guidelines to ask that the accounts, which I believe to be erroneous and incomplete, be looked into right away and REMOVED on my credit report. I think Transunion has not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I am not legally responsible to pay the credit card bill or any debts that build up as an authorized user. This information seems to be confusing. I need this to be removed immediately! 

XXXX XXXX XXXX
Consumer complaint received 2021-06-21
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: JPMORGAN CHASE & CO. (CT)

these accounts dont belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. XXXX Account Number : XXXX 4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-12-09
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: AMERICAN EXPRESS COMPANY (NY)

I purchased a set of mugs on the platform XXXX. The mugs arrived with defects and I requested the vendor to allow me to return the mugs for a refund. The vendor never answered back and enabled me to return the merchandise. 

Opened a dispute with Amex, which informed me that the vendor had provided info stating that they give me the option to return ( which was not true ). Amex sided with the vendor. When I tried to reopen dispute with Amex, Amex told me that the dispute was too old and because of that, they couldn't reconsider it again.
Consumer complaint received 2022-12-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC (NY)

XXXX by XXXX SCAM! 


On XXXX XXXX, we signed a contract to install a bay window at the property address. 
Despite the excessively high price of {$11000.00}, we signed the contract and entered into a finance agreement with Greensky , LLC. 
The installation date was scheduled for XX/XX/2022 which was 4 months after the initial contract was signed. This was an excessively long wait for the window. 
Temperatures in XXXX are always well above XXXX degrees which allows seals and caulking to cure properly and for the window to be properly installed. 
On XXXX XXXX, the wrong window size was delivered to the home because the initial Renewal by XXXX representative took the wrong measurements of the window site. 
The inconvenience was addressed by XXXX with a discount as of XXXX XXXX in the amount of {$500.00} reduced from the initial price. 
The second installation date was scheduled for XX/XX/2022. When the window was delivered, it was AGAIN THE WRONG SIZE. 
The window was mis-measured TWICE by XXXX by XXXX staff XXXX The window was NEVER INSTALLED. Yet, I received a bill for {$7800.00}! This is a scam! They are taking advantage of an XXXX year old woman. This is disgraceful. The only resolution is to zero the balance of the Greensky account and apologize for wasting my time.
Consumer complaint received 2024-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I applied to re-certify my income for my income driven repayment plan ( XXXX XXXX ) on XX/XX/2024. I received a notification from Mohela that there was a delay processing my application on XX/XX/2024. On XX/XX/2024 my application was canceled without my consent and without explanation. As a result I am in danger of my monthly payment increasing to {$3000.00} from {$0.00} ( and instead of {$8.00} per month if my application were appropriately processed )
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (NY)

I'm sending a complaint in accordance with the Fair Credit Reporting Act 's guidelines to ask that the accounts, which I believe to be erroneous and incomplete, be looked into right away and REMOVED on my credit report. I think Experian has not validated this account in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I will pursue legal action against them. I am not legally responsible to pay the credit card bill or any debts that build up as an authorized user. This information seems to be confusing. I need this to be removed immediately! 

XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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. (NY)

I'm sending a complaint in accordance with the Fair Credit Reporting Act 's guidelines to ask that the accounts, which I believe to be erroneous and incomplete, be looked into right away and REMOVED on my credit report. I think Equifax has not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I am not legally responsible to pay the credit card bill or any debts that build up as an authorized user. This information seems to be confusing. I need this to be removed immediately! 

XXXX XXXX XXXX
Consumer complaint received 2022-12-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX  XXXX Account Number : XXXX 2. Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$26000.00} 3. Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4800.00} This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 


In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2023-12-09
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Collection Management Holdings, LLC (GA)

On XXXX XXXX, I logged into my XXXX and XXXX accounts to view my credit report online. However, I noticed that the Credit Management Company LLC was still reporting an open collection medical debt that was past due for {$930.00}. 

On XXXX XXXX at XXXX XXXX, I spoke with XXXX XXXX XXXX the manager of Credit Management Company XXXX regarding a medical bill that was placed in collections and reported to the XXXX major credit bureaus. XXXX XXXX offered me a settlement amount of {$370.00} and assured me that the collection would be removed from my credit report if I agreed to make the payment by XX/XX/XXXX. The payment was successfully processed on that day.
Consumer complaint received 2023-12-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, Ive received correspondence from Wells Fargo XXXX XXXX XXXX XXXX, expressing Account Origination and status. 

I am continuing to seeking resolution in this matter, by way of Good faith. please see attachments. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Over several years I managed to use my XXXX XXXX cash-back credit card to accumulate over XXXX redemption points ( to be translated in dollars by Citi card ) Upon my request to redeem these points, I received a check for only $ XXXX XXXX. XXXX XXXX of what it should have been. Complaints to Citi Card fell on deaf ears. No response. Can you do anything to help? ( Citi Card  now advertises XXXX XXXX cash back ) Thank You!
Consumer complaint received 2023-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc. (OK)

The third-party debt collector ASPEN NATIONAL COLLECTIONS is unlawfully in possession of my private non-public information and sharing it with other 3rd party companies without my consent, which is identity theft as defined by 15 USC 1681a ( q ) ( 3 ). I do not know ASPEN NATIONAL COLLECTIONS and have not contracted with them in any way. They should not have possession of my private non-public information. They also shouldn't be sharing it unlawfully.
Consumer complaint received 2023-12-09
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: Bread Financial Holdings, Inc. (CA)

XXXX is reporting a collection on my credit report by the name of XXXX XXXX for the amount of {$440.00} I've been disputing this collection since XX/XX/XXXX I have no knowledge of this debt and XXXX XXXX came back verified, which i disagree therefore i took matters in my own hands called the creditor asking for a purchase agreement with my signature gave them ample time and never received it, i also advised them I'm a victim fraud. Again I reached out to XXXX to dispute and asked them to provide proof of investigation since I've been disputing it going on 6months and they also couldn't provide it. I've also provided them with my FTC report. 
I've disputed various items on my credit report due to my identity being taken in XX/XX/XXXX that is reported on my FTC along with the police report and they have failed provided me proof of their investigations to those fraud items.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

On XXXX of XXXX A late payment showed on 4 of my XXXX student loan accounts and credit reports. On XX/XX/XXXX, I called to let the company know that I had no late payments on my student loans. On XX/XX/XXXX, I again contacted the company to remove the late payment. The company advised me that there is nothing that they can do to remove it. 
I also contacted the 3 credit bureaus XXXX, XXXX and XXXX  to remove late payment to no avail.
Consumer complaint received 2023-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (NJ)

*I AM NOT A VICTIM OF SCAM/FRAUD* Update : As of XXXX XXXX XXXXXXXX  I still do not have my funds from Marcus by Goldman Sachs XXXX It has been over 7 months. 

Recently on XXXX XXXX XXXX I spoke to someone named XXXX, I thought I had received good news An affidavit of identity was sent out to me so that I can fill it out, send it back so that way Marcus by Goldman Sachs can send out the check to me instead of the originating bank finally. They told me I will received the Affadvit of identity will be received in 7-10 business days. It is now XXXX XXXX XXXX and I still do not have the affidavit of identity. Most Recently, on XXXX XXXX XXXX I contacted Marcus by Goldman Sachs to see once again where my money was, they stated that the originating bank has the check and we do not know if they deposited it or destroyed it. I spoke to someone named XXXX  They also stated that an affidavit of identity was never sent out because they do not have my funds so a check would not be created and sent to me even with an affidavit of identity! Essentially, they dont know where my {$20000.00} is. At this point, I seriously can not deal with this anymore and I have no choice but to file a suit for damages. Update : It is now XX/XX/XXXX and I still do not have this money. I recently called XXXX XXXX on XX/XX/XXXX to see what was going on with the dispute that was created by Marcus By Goldman Sachs on XXXX to see where my funds are : This dispute was put in my XXXX : Dispute ID : XXXX Amount : {$20000.00} Marcus by Goldman Sachs stated that we needed to do a 3-way call with XXXX XXXX to confirm the funds have not been received by them from Marcus by Goldman Sachs XXXX XXXX from Marcus By goldman sachs confirmed on the phone with XXXX XXXX  that they do NOT have the funds and I still do not have this money. She then initiated another dispute for the same exact reason, to see where my funds are. XXXX  Dispute ID : XXXX {$20000.00} XXXX At this point, I have been trying to get my money back from Marcus by Goldman Sachs for over half a year and it makes no sense why Marcus by Goldman Sachs is putting me through this toxic cycle. I am filing a lawuit against Marcus by Goldman Sachs.
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (NY)

I am a victim of identity theft and the accounts listed in the identity theft report are produced by way of fraud including XXXX XXXX XXXX XXXX  XXXX which has caused me damages for a loss of {$500000.00} as I am not able to sell my home due to the fraudulent lien being placed on my home.
Consumer complaint received 2022-11-03
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. (NY)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX XXXX the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/XXXX to Equifax and XXXX to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX 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 XXXXXXXX XXXXXXXX
Consumer complaint received 2024-03-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NV)

Navy federal credit union violated me they closed my savings account without notice. They took it upon themselves to re-opened it with a {$0.00} balance. Now that they have reopened the savings account, that have been formally closed, they are using the dummy and or unauthorized account in order to post ACH debits or credits, garnish my deposits and, or ACH deposited checks. They used this anccount to withdraw payments for outdated credit card purchases even though the account was previously closed. They have deceptively led me to believe my account was {$0.00} balance and active or in-compliance only to wait for my large deposit to post only to credit it to closed account. Truly deceptive banking I never received one letter stating my account was closed and then re-opened with any outstanding balances they basically just gave me another account with access and garnished everything I put in the account. This has caused me to become in debt with all of my financial obligations and the amount of stress it has caused my family and credit rating has caused me to become XXXX  due to emotional distress.