davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NC)

On XXXX XXXX, XXXX I filled out a form on the Experian website to receive a " free '' credit report. Once I had submitted my information, it only shows certain reporting information for " free '' and says if you want your credit SCORE, you have to pay {$1.00}. So, I paid the {$1.00} to get my credit score. What the website does a VERY poor job of explaining is that in paying that {$1.00}, you are signed up for some sort of " membership '' program that costs {$21.00} per month. If you do n't call and cancel the membership within 7 days, your membership automatically renews for eternity. I was unaware that I was being signed up for this program, and when checking my credit card statement today ( XXXX XXXX ), I saw that I had been charged {$21.00} on XXXX/XXXX/XXXX and another {$21.00} on XXXX/XXXX/XXXX. It should also be noted that in going back through my junk email folder I noticed several emails from Experian, NONE of which were receipts or notices of being billed for the membership. I found a very generic " Welcome to Experian '' email, that had I seen at the time, I still would not have known that I had signed up for any sort of membership. Reading the email, it seemed like typical follow-up marketing when you give out your email address. No mention of the cancellation period, no mention of being charged for anything, it does n't even mention the word membership until the very BOTTOM of the email. When I called Experian to dispute the charges, explaining that I was unaware of being signed up for any sort of membership, they were only willing to refund one of the charges. I even spoke with a supervisor and no one was willing to help. The XXXX/XXXX/XXXX charge has not even gone through on my credit ( still pending ), yet Experian told me there was nothing they could do to refund the charge and that I would have the membership benefits through XXXX. Thanks Experian, that 's so helpful! I get another month of a membership that I did not sign up for, I do not want, need, or find helpful, and there 's nothing you can do about it. These types of practices are extremely deceitful and should be stopped!! I am certain that I am not the only person who has been tricked by this process. This needs to end, and the victims compensated justly.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (ME)

I placed a security freeze on my credit report with all 3 agencies. I have had no issue with any except Experian. I reside and have 2 home addresses. I never received a PIN in the mail from Experian. I tried to have the freeze thawed for a credit application. It is impossible to talk to a person at Experian. The internet page that allows you to unfreeze your report does not work. My thaw was rejected, with no reason given. I followed their directions and was told that I must send the following information in the mail to them in order to have the freeze lifted. I do not feel comfortable sending information in the mail that includes copies of my social security number/card, bank statements with account numbers, and a photo copy of my drivers license and other identifiable information. The other two agencies have the ability to identify me and freeze or thaw, while Experian requires that I send highly confidential information in the mail. They also do NOT return these documents. I feel that they should offer a way to do what the other reporting agencies do. I have had accounts hacked multiple times, and hence the freezes. I even paid them for their service that claims to be able to do this. However I was sent to the same page over and over. They should be required to have a phone number with a person that can handle issues like this. I am being denied credit in a timely manner by this request for all this sensitive information.
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc. (PA)

I am writing to dispute the alleged debt of {$170.00} associated with as claimed by XXXX XXXX, dated XX/XX/2021. As the executor, I am formally demanding the immediate removal of this account and the permanent deletion of the purported debt from all records.
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX  XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX  XXXX Balance : {$7200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (IN)

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IN, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] BMO Harris Bank XXXX XXXX XXXX XXXX, XXXX, IL XXXX Subject : Reimbursement Request for {$6100.00} Due to Account Fraud and Closure Dear Sir/Madam, I hope this letter finds you well. I am writing to address a serious matter concerning my BMO Harris Bank account, which has been under fraudulent activity and subsequent closure for the past XXXX years. I kindly request your immediate attention to this issue and seek your assistance in facilitating the reimbursement of {$6100.00}, which was unjustly taken from my account due to unauthorized transactions. 

I was alerted to this unfortunate situation in XX/XX/XXXX, when I discovered unauthorized transactions on my account statements. These transactions were carried out without my knowledge or consent, indicating clear cases of fraudulent activity. I promptly reported these incidents to your bank and followed the necessary procedures to safeguard my account. 

Despite my best efforts and the cooperation with your bank 's representatives, the fraudulent activity persisted, leading to the eventual closure of my account in XX/XX/XXXX This ordeal has caused significant financial distress and emotional hardship for me and my family over the past XXXX years. 

I implore you to thoroughly investigate this matter and take appropriate actions to rectify the situation. It is my sincere belief that BMO Harris Bank should take responsibility for ensuring the security and integrity of its customers ' accounts. I kindly request the reimbursement of the stolen funds amounting to {$6100.00} to be deposited into my new account as soon as possible. 

I have attached relevant documents such as account statements, correspondence with your bank 's representatives, and any other pertinent information to support my claim. Please review this evidence and treat this matter with the urgency and seriousness it deserves. 

I remain committed to resolving this issue amicably and look forward to your prompt response. You may reach me at XXXX to discuss any further details or to provide updates on the progress of my reimbursement request. 

Thank you for your attention to this matter. I trust that BMO Harris Bank will uphold its commitment to its customers and ensure a swift resolution to this unfortunate situation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TSC Accounts Receivable Solutions (CA)

This collection debt came from : TSC Accounts Receivable Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX tscarsolutions.com Debt is from XXXX XXXX XXXX account number XXXX owed as XX/XX/22 amount {$110.00} interest charge {$12.00} total : {$120.00} My name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX CA XXXX I called XXXX XXXX XXXX both locations XXXX XXXX and XXXX XXXX and there's no record of me ever being a patient in those urgent cares.
Consumer complaint received 2023-08-25
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: CITIBANK, N.A. (CA)

after paying off the amount owned on the card i was moving to another house, the company charge me, interest on debt that been paid in full .and seems i didn't received mail they report 30 days late .its there responsibility to get new address fix on there computer system, becouse i did reported them my new address in advance
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

The account is not being reported correctly on my credit report. The account type, date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. The date of last activity shows a six month difference in the reported dates across all three bureaus. How is this possible if the bureaus are getting their information from the same source, XXXXXXXX XXXX? I have written letters to XXXXXXXX XXXX  and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus.
Consumer complaint received 2022-09-06
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. (PA)

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$950.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Consumer complaint received 2023-03-04
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-07-12
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: CITIBANK, N.A. (CA)

citi bank is reporting erroneous inaccurate and absolete NEGATIVE information to my credit report. I was never late on this card payment, please see attached letter of explanation that I sent to citi several times and received NO reply from them at al ....
Consumer complaint received 2017-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The reason for my complaint against Bank of America is because I have a corporate card with my business XXXX XXXX XXXX Tax ID XXXX. This card was used fraudulently for multiple purchases. I reported the fraud as soon as i was made aware and spoke to a representative i believe it was sometime in XXXX. I explained to the representative the the phone number on file XXXX was no longer a valid number for me so i did not receive any type of communication in reference to the usage to this account. I also requested for the phone number XXXX to be updated as this is the most current number for me. I was given a case id XXXX for the fraud case. They told me i am not responsible for any unauthorized charges and that i do not need to make any payments on the account. I was never contacted by an investigator and on multiple occasions called in to check up on the case. They advised that they have everything that they need to finalize the claim. On XXXX XXXX Bank of america wrote the attached letter and i did not receive until XXXX XXXX after they went in to two of my Bank of america checking accounts and withdrew approximately 27K. They say the inconsistent details was provided but i have not spoken to anyone in reference to this case since I filed the claim back in XXXX. Bank of america is acting unfair and biased as to when it comes to this claim, and have caused great financial stress and harm by removing XXXX out of the checking accounts. I have already requested an appointment with a lawyer in reference to this cause these charges are not valid and were not done by me or anyone that i know.
Consumer complaint received 2023-02-20
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. (TX)

Equifax and XXXX are report inaccurate information on my consumer on my credit file and its affecting my ability to get personal things in my name that I need. I filed a dispute with both companies stating that there is inaccurate and fraudulent information being reported when it shouldnt be. 

XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX  XXXX XX/XX/2021 - {$4300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$21000.00} XXXXXXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2022-11-22
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. (CA)

When I reinvestigated my credit reports, I realized that the same accounts were erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reported accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts listed below XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$84000.00}
Consumer complaint received 2022-11-22
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. (CA)

When I reinvestigated my credit reports, I realized that the same accounts were erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reported accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$84000.00}
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

A plethora of things on my account is incorrect, unverified and unauthorized. I took every step possible to prove that the accounts and inquiries are unknown and unverified for me.
Consumer complaint received 2023-05-31
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. (NJ)

Illegal Debt Collection Practices Illegal Acquisition of Location Information Inaccurately reporting Negative information on Credit Report. ( Defamation of Character ) Refused to validate debt after requesting debt validation.
Consumer complaint received 2022-11-22
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: EQUIFAX, INC. (VT)

I believe it was XXXX or XXXX of this year I noticed my credit score had dropped XXXX points. I quickly checked my report to see why and noticed someone had tried applying for a XXXX  XXXX card in my name. I have never tried applying for any type of card as I have zero interest in ever getting one. I tried disputing it as I never applied for it. But after trying to dispute it a couple times theyve done nothing about it. They just keep closing the investigation which is very frustrating to me as Ive been trying so hard to build my credit. I find it unfair and frustrating that its dropped so much due to what I assume was someone trying to get a card in my name.
Consumer complaint received 2022-12-28
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have 2 XXXX XXXX XXXX XXXX tradelines that are showing as negative. Both are installment loans and both are confirmed last paid in XXXX with dates of last activity of XXXX as recently as XXXX. XXXX/TRANSUnion/XXXX have willfully and knowingly let this creditor RE-AGE THIS ACCOUNT which is illegal. 

Both of these accounts are STILL showing on my Credit Report after 8 years of date of last activity. Additionally, they will not respond to any letters by US Mail requesting debt validation with specific dates. They have over 30 days to respond and letter sent out over the past 4 months have gone unanswered. 

I need XXXX/TransUnion and XXXX  to immediately delete this accounts or risk immediate state and federal lawsuit for financial harm and willful/deliberate violations of the Fair Credit Reporting Act. How can these powerful, multi-billion dollar profitable companies have more compliance and hire personel to monitor and now allow for tradelines to re-age very very old tardiness. These credit bureaus are completely liable. 

I have already filed a complaint with the Florida 's State Attorney Office and have already been in contact with a Law Firm ready to file legal action against these 3 credit bureaus. 

Regards, XXXX XXXX
Consumer complaint received 2022-11-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: LendKey Technologies, Inc. (GA)

XX/XX/2022, recently when XXXX XXXX XXXX announced he will offer student Loan Forgiveness towards student loan debt. I taken upon myself to reach my student lender Lendkey to respectfully asked if they will make an exception to assistance me to see if I qualify for student loan debt forgiveness. I was instantly cut short of the conversation. I was told I didnt qualify due to my consolidation was going on XXXX XXXX  with Lendkey . I expressed that I had XXXX loans before consolidating and the interest rates were being that I should qualify for the XXXX student debt forgiveness being that I make less than {$120000.00}. I feel I should have the opportunity to qualify. XXXX XXXX XXXX XXXX XXXX XXXX on a fixed income my current and future income does not support my student loan debt of {$50000.00}.
Consumer complaint received 2022-11-22
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. (SC)

After experiencing identity theft, I contacted, Experian via certified Mail, and identified fraudulent variations of my name, fraudulent addresses, fraudulent employers, and fraudulent accounts that were not initiated by me. The only correct version of my name is XXXX XXXX XXXX XXXX I requested all other variations of my name to be removed, however they still remain. The only accurate address is XXXX XXXX XXXX XXXX SC XXXX. I requested all other inaccurate addresses be deleted, however they still remain. The only correct phone number is XXXX. I requested all fraudulent phone numbers to be removed ; however, they all remain. I requested all employers be deleted, as they are inaccurate and yet they still remain. The following fraudulent accounts still remain XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite providing the FTC identity theft report on and other proof showing this information/these accounts are fraudulent and a result of identity theft, Experian has still refused to remove this information from my consumer report and has verified this information as accurate. Im confused as to how these accounts which are fraudulent were identified as accurate, especially as I was not provided with the investigation report, and yet a fraud alert was approved to be put on my account.