davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I hope this email finds you well. I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my account. Despite numerous attempts to address this issue, I have not seen any meaningful progress in removing these fraudulent items from my account. 

As a loyal customer, I trust your company to maintain the integrity and security of my account. However, the presence of fraudulent items not only undermines this trust but also poses a significant risk to my financial well-being. 

I have taken all necessary steps to report these fraudulent items, providing detailed information and supporting evidence. However, the lack of action on your part to promptly investigate and remove these items is unacceptable. 

I urge you to prioritize the immediate removal of these fraudulent items from my account and to conduct a thorough investigation into the source of these fraudulent activities. Additionally, I request regular updates on the status of my complaint and the actions being taken to address this issue. 

Failure to resolve this matter promptly will force me to explore other options to protect my account and financial interests. I trust that you understand the urgency of this matter and will take immediate action to rectify the situation. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Balance Owed : {$550.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX  XXXX Balance Owed : {$910.00} XXXX XXXX Balance Owed : {$870.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX  XXXX, MA XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX  XXXX Balance Owed : {$910.00} XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX  XXXX Balance Owed : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/ 2023 I attempted to deposit {$700.00} Dollars to my checking account at the ATM on XXXX XXXX XXXX. The ATM took my {$700.00} and did not credit my account. I have called 4 times now-once on the XXXX, once on the XXXX, once on the XXXX, and now again today on the XXXX. The first time the address was incorrect, the next time the address was incorrect. The last time they flat-out lied. I want my money.
Consumer complaint received 2022-11-21
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. (KY)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX ; account number : XXXX XXXX XXXX XXXX ; account number : XXXX ; XXXX ; account number : 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 Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 



1

5 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-03-04
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. (MA)

I hope this message finds you well. I am writing rhis complaint regarding the delayed correction of late open accounts with your company. 

I have yet to receive any updates or resolutions regarding the status of my account opening requests. Given the urgency of this matter and the impact it has on my ability to access and utilize your services, I am reaching out once again to request immediate action. 

The prolonged delay in correcting these late open accounts is not only inconvenient but also reflects poorly on the level of service provided by your company. As a valued customer, I expected a more efficient and responsive resolution to this issue. 

I kindly request that you prioritize the review and processing of my account opening requests to ensure their timely completion. Additionally, I would appreciate regular updates on the progress and expected timeframe for the resolution of this matter. 

Please be advised that the continued delay in addressing this issue may compel me to seek alternative service providers. I trust that you understand the importance of resolving this matter promptly and will take immediate action to rectify the situation. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$20000.00}.
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

I have an incorrect debt that has been reporting on my credit report for over a year that was paid by credit card insurance. Although the debit was paid it is reporting as not paid and the original creditor ( FingerHut ) sold it to another company ( Resurgent ). I have contacted both companies several times and submitted proof and the issue is still not resolved. It has impacted my credit and lifestyle as I have had to pay high percentage fees because of my credit score and not qualified for credit cards or loans. I have submitted proof to the creditors as well as the credit bureaus multiple times. None of which took any action to remove the fraudulent report. I would like to move forward with a complaint and legal action as well as to be compensated for the suffering of the fraudulent misrepresentation on my credit reports.
Consumer complaint received 2024-03-04
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. (PA)

I am writing to file a formal dispute regarding an auto loan reported on my credit file by XXXX XXXX XXXX XXXX. Despite my repeated attempts to dispute this account, it continues to be verified by the credit reporting agencies. I have provided evidence directly to XXXX, which clearly demonstrates the inaccuracies in their reporting, yet they have failed to take appropriate action to delete the erroneous information. 

Furthermore, it has come to my attention that XXXX XXXX XXXX XXXX has recently been involved in violating the Fair Credit Reporting Act ( FCRA ) by failing to correct inaccurate information provided to credit reporting agencies. This raises serious concerns about the accuracy and integrity of their reporting practices. 

I hereby request that the Consumer Financial Protection Bureau intervene in this matter and ensure that the credit bureaus promptly removes the disputed account from my credit file. Enclosed with this letter is a copy of the correspondence I received from XXXX, which further substantiates my claim. 

I trust that the Consumer Financial Protection Bureau will investigate this dispute thoroughly and take appropriate action to rectify the situation. Your prompt attention to this matter. 

account # XXXX balance {$10000.00}
Consumer complaint received 2023-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates (NC)

Dear Prince Parker & Associates, I am writing to inform you that I have been contacted regarding a debt that I do not owe. I believe that your attempts to collect this debt are in violation of the Fair Debt Collection Practices Act ( FDCPA ). I kindly request that you cease all communication and collection attempts related to this debt. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit report still shows derogatory remarks regarding delinquent payments history and high revolving balance vs credit limit when these info over 12 yrs ago. I have less than 10 % debt on my credit cards and these credit reporting statement is negatively affecting my ability to get a loan
Consumer complaint received 2023-06-15
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. (OK)

In Accordance With The Fair Credit Reporting Act XXXX  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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management (TN)

I receive notification from my credit report of a derogatory item on my credit. I further look into the matter as I do not owe anyone besides my normal routine bills. I see a collection from a company I have never heard of listed as " Fox Collection Center '' in the amount of {$140.00}. I check my credit report every day and this has not been on here but yet XXXX  has it listed as XX/XX/2019 and I have not seen anything in writing from this company notifying me of a debt owed, or any intent to place anything on my credit for me to dispute, nor verifying I am the actual owner of the debt which is in violation of FDCPA. This company further more is NOT licensed in State of TN to conduct any business with any consumers who reside here. I would like this deleted off my credit report immediately! Delete, cease and desist any further communications due to violation of rights and NOT properly notifying me of any debt or any intentions to place anything on my credit which is a federal law!
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

On Friday XX/XX/XXXX, I tried to use my HSBC Credit Card and it did not work. When I called to understand whats going on the Fraud Prevention Team hold me in the phone for XXXX hours! and finally a supervisor whose name was XXXX told me that since I do not have a checking account with HSBC, they decided to close my account. Then I opened a checking account and a savings account immediately and got an appointment from your local branch to open a brokerage account to bank with HSBC. My credit card was reinstated immediately and I was able to make a purchase. Then, yesterday on XX/XX/XXXX, someone else with a very limited XXXX called me and told me that he decided to close my account. He hang up the phone on me. Rudest agent evet. My account was already reinstated after opening all the required checking/savings accounts and talking to the initial supervisor. But yesterday, the other agent maybe was not aware of our progress and made a mistake. At this point, I did not do anything wrong and did all the required things bank asked me. Please reinstate my credit card. Thanks
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (HI)

I overpaid on my credit card and had a credit balance of {$2600.00} on my last statement dated XXXX. I called FNBO to get a refund on XX/XX/. The person I spoke with was unsure of how to go about getting me a refund and put me on hold to check. When she came back on she said that they can do that and that she would put in a request with their accounting department. I waited and called back again a week later on XXXX  since nothing was done. The person I spoke with said that she sees that the request was made and that I would just have to wait for the accounting department to process it. It's been 2 weeks since my initial call and there is still a credit balance on the account which means they still haven't done anything about it.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (CA)

Disputes are filed but no results Inaccurate info still on credit report I am a victim of Identity theft/fraud Social Security number being used by unknown person/people Multiple accounts opened that don't belong to me Inaccurate personal info Employment info incorrect
Consumer complaint received 2024-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I first submitted my IDR application on XX/XX/XXXX and received notice it was processing. My application was then in process without any provided explanation for over 2 months. On XX/XX/XXXX, I received correspondence from MOHELA saying my repayment plans had changed and I had been placed on the LEVEL plan ( standard repayment ). Because I assumed this meant that, without explanation, my IDR application was denied, I then resubmitted my IDR application after receiving this on XX/XX/XXXX. My application was again listed as processing through XX/XX/XXXX. On XX/XX/XXXX, I received communication from MOHELA saying my IDR application was approved but MOHELA placed me on the incorrect XXXX plan. I had requested to be placed on the plan with the lowest payment. My husband did the same with his servicer, XXXX, and promptly was placed on the SAVE plan with a payment less than half of what MOHELA provided me on the PAYE plan. Because MOHELA placed us on the incorrect IDR plan, I then resubmitted another application on XX/XX/XXXX. I received a document on XX/XX/XXXX saying I was again placed on the LEVEL plan. 

I then placed a call on XX/XX/XXXX after again receiving this correspondence. The employee I spoke with was XXXX, employee ID XXXX. I received no explanation for these changes, prolonged processing, or mistakes in which repayment plan I had been placed on ( note, I was placed on hold for an hour for the employee to check my account to try to ascertain why these errors are occurring ). I was given the excuses that MOHELA has had a lot of calls and has had updates to its system and that after my latest application, my IDR request will be processed again and can take another 2 weeks. I then asked to speak to a higher level employee who called me back on XX/XX/XXXX. This employee 's name is XXXX, employee ID XXXX. She gave me a case number which I can provide at your request. XXXX told me my case has been escalated further and I should now hear in 3-5 days. 

As of today ( XX/XX/XXXX ), my account is still listed as being under the standard LEVEL plan and per my MOHELA portal, my application is still " processing. ''
Consumer complaint received 2022-11-16
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. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

After receiving numerous solicitations from American Express to re-open my Platinum Delta Skymiles credit card, I finally decided to submit an application so I could receive the offer they were promoting. This offer was for XXXX delta miles and XXXX XXXX if I spent a minimum amount within the first 4 months ( as well as a {$100.00} stmt credit ). I called to confirm the offer and was told that I qualified since I had n't had this card in the last 12 months ( I had one previously but it had been 3+ yrs ). 

I met the qualified spend in the XXXX timeframe. It seemed to be taking a while to receive my points so I called to ask where they were. I was informed it takes a couple months so call back later. Since then I have called a few more times. They kept telling me to be patient and they would be posting any day now. 

On XXXX XXXX, XXXX ( today ), I called and was informed I have not received my points because I do not qualify for them. In addition to being misled by the marketing material I received, I was misinformed by all of the Amex CSRs. I was also charged the {$190.00} annual fee and have essentially received nothing for this when promised an intro offer. 

I escalated this complaint to 3 levels of managers at Amex and the only goodwill gesture they could make was XXXX miles which is insulting. I have hurt by credit score by opening another card and paid an annual fee and they can do nothing for me.
Consumer complaint received 2023-03-04
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. (IL)

Please check the status of these accounts. It is entirely wrong, to begin with. I was never late on these accounts. 
XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$15000.00}
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Today ( XX/XX/year> ) I attempted to log in to make my next Capital One credit card payment and when I did I was greeted with a message that read, " Your account charged off and has an outstanding balance. You're responsible for paying this balance. We want to work with you to help put it behind you. '' I am paid semi-monthly by my employer and I make a payment on my Capital One card every paycheck ( XXXX ) so that I am never late, and I pay well over the minimum each for each payment. My most recent payment was on XX/XX/year>. My credit score is over XXXX. I have attempted to call the company using both the number on the back of my card and the number provided on the website. Capital One advertises a " no hassle '' policy and the phone number on the card has always been a XXXX number. Nobody picked up on either number. I went back to the website to email or otherwise contact the company through the site, and there was no way to do so. The " contact '' link simply brings you to a series of FAQ pages on different topics. I checked my email for any correspondence from Capital One regarding this " charge off '' and I had nothing on the topic. I have received no notice from the USPS mail either. Is this what consumers have to look forward to when Capital One merges with XXXX?!! I have had this account for nearly 20 years, with XXXX Fixed rate. I think the bank has shut my account because the fixed rate is so low.