davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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)

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 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-16
Product: Credit card or prepaid 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 (TX)

I disputed a charge with XXXX via American Express. American Express denied my claim without reading the rationale for why I disputed the charge. American Express stated that It was my responsibility to cancel the booking, however as it was discussed in my documentation, I did try to cancel, however XXXX would have charged me in full for the cancellation. 
Furthermore the host tried to have me agree to terms and conditions that were not disclosed prior to booking, that I did not agree to. This is a violation of the Fair Credit Billing Act. If the agreement is not agreed to I can not be charged.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (UT)

EQUIFAX CONTINUES TO SHOW THIS ACCOUNT AS " PAYS AS AGREED '' WHEN IT WAS CLOSED XXXX XXXX. IT ALSO CONTINUES TO SHOW THE INCORRECT PAY OFF DATE OF XX/XX/XXXX WHEN THE ACCOUNT WAS PAID OFF & CLOSED BY ME IN XXXX XXXX. ENOUGH OF THIS GAME PLAYING. THE FCRA LAW IS CLEAR IN WHAT NEEDS TO HAPPEN NEXT TO RESOLVE THIS SAME DISPUTE I'VE FILED NUMEROUS TIMES OVER THE PAST YEAR. EACH TIME I DO THE IDIOTS AT EQUIFAX SWEAR THEY FIXED IT, CLAIM THEY VERIFIED IT WITH THE CREDITOR WHICH IS A LIE, THEN SEND ME THEIR REPORT THAT NO CREDITOR 'S SEE WITH THE CORRECT INFO ON IT, OR SEND ME A LETTER DEMANDING ID & THAT I VERIFY MYSELF WHEN I'VE ALREADY DONE SO ON THE CFPB SITE PER THE REQUIREMENTS, THEN WHEN I RUN MY MONTHLY REPORT IT CONTINUES TO SHOW THE WRONG DATES & REFLECT THE ACCOUNT AS OPEN WHEN IT'S NOT! THAT IN TURN HAS LOWERED MY SCORE TO XXXX WITH THIS BUREAU WHO SHOWS ALL OF MY CLOSED, PAID OFF ACCOUNTS AS " PAYS AS AGREED '' & THE WRONG MONTH & YEAR THEY WERE PAID OFF. THIS IS A CONTINUOUS PROBLEM WITH THIS INCOMPETENT BUREAU. THE WORST OF THE 3 FOR SURE!
Consumer complaint received 2024-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in 45 CFR Parts XXXX, XXXX, and XXXX. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (MO)

XXXX XXXX credit card run by Alliance / Comenity Bank does not fulfill the promotion that they are advertising. This offer is currently displayed on their home page ( XXXX ), Get 5 % back on an XXXX XXXX  gift card when using your XXXXXXXX XXXX  credit card with 6 or 12 months financing on purchases over {$990.00}. 

We made a purchase under these terms on XX/XX/2022, and XX/XX/2022, and have not received the promised gift card. 

When I called XXXX XXXX on XX/XX/2022, the rep said the bank was responsible for fulfilling this and provided me with Alliance Bank contact info ( XXXX ). When I called Alliance Bank, the first rep said they were not aware of this offer. The second rep at Alliance Bank said this gift card should have been sent out within six weeks of our purchase, and then she dropped the call. The third rep at Alliance Bank informed me that XXXX XXXX is responsible for fulfilling this offer. 

It is a fraudulent posting as neither XXXX XXXX nor Alliance Bank are not fulfilling what they offer. This is false advertising.
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-04-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (NY)

I have been getting push from one to another mortgage company. 
The last one I got transfer to has been messing with my mortgage so bad and you can't deal with them at all. They keep making my payment so high I don't have the money for the payment. I live on, Social Security, and am, handicapp and am XXXX XXXX XXXX. I have repeatly try to get them to lower my payment, they say they can't, I don't understand why not with my age, and my low income, I was told by a lady that was trying to help that I am below the poverty line. I don't have anywhere to go if the do a foreclourse. I am trying to get into senior housing but as for now I need to stay here. I can pay some payment but not what they are setting, they have me paying way over my income, I am struggling now. 

I can tell you this, they are stealing peoples houses, they make your payment to high for you to pay, then they foreclose on it. They are crooks, I was talking to a government program the other day and they feel the same way they the mortgage company is cheating people out of their houses. As for the senior housing I am next on the list for a apt ,, I am afraid they will put me out before I can get in senior housing. They have been totally unfair and rude to me through this whole dealing. Before I got transfer, the former mortgage company I got transfer to had done a modification and had a payment I could manage, when I got transfer everything was sent to the new payment, that I could manage, I did pay that amount to the hew payment, the new mortgage company would not accept. They were suppose to follow that payment, they don't they have me so upset and scare, I have XXXX and XXXX that I am seeing a doctor and counselor for. I really need so help.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (FL)

XXXX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to EXPERIAN XXXX and XXXX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency XXXX
Consumer complaint received 2017-05-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Reviewed my  XXXX  credit report dated  XXXX   XXXX ,   XXXX   and  Portfolio Recovery Associates  ( PRC ) reports an original balance due of {$850.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to PRC is being disputed by me.   2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.   3. Further, PRC has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.   4. This information erroneously appears on all  (   XXXX   )  credit reporting agencies and I have asked  XXXX  to dispute such claims with no response from PRC.   5. As such, all such information should be deleted from all  (   XXXX  ) credit reporting agencies.    XXXX   XXXX
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to dispute the information on my credit report that was provided to you without my written consent. 
Pursuant to the Fair Credit Reporting Act, specifically 15 USC 1681b, I have not authorized the furnishing of my information or the obtaining of my information by your credit bureau. 
I hereby request that you investigate this matter and provide me with verification of the source of the unauthorized information on my credit report. I also request that you remove any unauthorized information from my credit report and provide me with an updated copy once the investigation is complete.
Consumer complaint received 2023-01-20
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. (CA)

In accordance with The Fair Credit Reporting Act, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX  act # XXXX has Violated my Rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A sec 2. It also states a Consumer Reporting Agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (FL)

I talked to National Recovery Agency, and they say I owe them money. I don't know how. Maybe someone with a name like mine got mixed up. But I know my identity was stolen. Someone used my info to make new accounts with banks I never used. I'm working with banks and the three credit places to fix stuff because they got things wrong about me on my files. It's a different issue, but related. 

I want to say, the address they think is mine is wrong. I live in the same city, but not there. This is a big problem because it shows the debt isn't mine. Why is this on my file, and how did they get my info? And why didn't XXXX XXXX send me a real bill before giving my info to this company I don't know? 

This looks like someone stole my identity. They say they got my info from XXXX XXXX, but I want them to show a detailed bill, not just an email with a number saying someone owes money. 

If they can't show the bill, I want them to take this off my credit papers. It's not fair because of wrong stuff and identity theft. This is just more trouble that shouldn't be my problem.
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: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated 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 2023-06-22
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-25
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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. (PA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kinum, Inc., Indianapolis, IN Branch (IA)

Somebody calls me every morning and is XXXX acting towards me. They say I owe a bill for a business that is not mine. I've asked them to stop calling in to do everything by mail and to mail me what it is they're talking about. They said they can call me every single hour of the day legally and I've asked him to stop at least XXXX times. The name of the company is Kinum
Consumer complaint received 2023-06-22
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)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (FL)

XXXX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to XXXX XXXX and EQUIFAX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency XXXX
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I applied for and received a Home Depot credit card at a store for the purpose of getting a discount. I was never sent the physical card and I don't have one. I tried to pay online the day after I'd made the purchase but I needed the card to set up an account. I tried again a few days later and had the same problem. I forgot about the matter until I got a text telling me my payment was late. My balance had doubled. I thought I paid the entire thing off that day, but apparently there's more because I got an email saying my payment is late. However, when I clicked on the payment option it required that I have my car in order to pay. There is no " contact us '' option, and there were no phone numbers available at the bottom of the page. Just something saying " additional numbers '' but no link or phone numbers. I just want to be done with this account.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received a credit alert from XXXX regarding a credit card account opened under my name with capital one on XXXX-2022. I contacted capital one at XXXX they assured me that there is no account under my name or social security number. However, I found that someone opened an account and added me as an authorized user without my permission, without my knowledge. capital one never got my permission to add me as an authorized user, they never contacted me or got my consent to be an authorized user. they checked my credit report without legitimate reason they also posted it on my report and denied that I have an account under my name.
Consumer complaint received 2023-07-25
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2023-07-25
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023