davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
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. (NH)

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 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 2018-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have sent multiple letters to this company trying to verify an alleged debt. They have failed to respond to me in all attempts. They are reporting debt on my credit that I have no knowledge of. This is why I'm trying to verify this debt with the company.
Consumer complaint received 2020-04-27
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-06-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (TX)

I called XXXX XXXX XXXX  who has the debt now, I told them I never had that account, they said it was original a cash central.com account, which I never herd of, they said it was opened in an email address I never herd of and then told me the money was sent to a XXXX  account and again I told them I have never even had a XXXX  account, so they agreed it was not mine, so I have sent them everything I know how, and its still on my report
Consumer complaint received 2023-06-20
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: CITIBANK, N.A. (NY)

I received an offer for {$10.00} off {$100.00} on XXXX to be used in XXXX. I made the purchase on XXXX in the amount of {$110.00}. However, the {$10.00} credit has failed to post and Citi has not rectified it.
Consumer complaint received 2017-05-19
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. (IL)

XXXX   XXXX  is reporting negative on my account for a  CANCELED CONTRACT. I have recently been informed that there is negative informat ion reported by   XXXX   XXXX   XXXX   in the file equifax maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing showing that i owe {$2400.00} to   XXXX   XXXX   XXXX  . I dispute the accuracy of this listing.   Please validate this information with   XXXX   XXXX   XXXX   and provide me with copies of any documentation associated with this account, bearing my signature showing that i have done business with them, signed a contract with them or owe this company specifically money. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   I am keeping careful record of equifax 's actions, including their Method of Verification. I do not consent to  XXXX  or any means of automated verification.   I have been the victim of id theft and this company is claiming that i owe them money, but they can not produce DATED, SIGNED CONTRACTS THAT I HAVE DONE BUSINESS WITH THEM OR OWE THEM ANY MONEY. Again, i need to see copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (OH)

Truist was advertising a {$400.00} bonus for opening a new checking account and having atleast two direct deposits totaling {$1000.00} within 90 days in XX/XX/2023. I opened a personal checking account thru their online process on XXXX XX/XX/2023 & successfully enrolled in that offer. Two days later I couldn't login to online banking anymore. Upon reaching out to customer care I learnt that my account was frozen and I would have to go into a branch for identity verification. I explained that this wouldn't be possible as they don't have a branch in XXXX, OH where I live and the nearest branch is a 2 hour drive away. After multiple calls and me trying to get the identity verification done virtually yielded no results, I asked that the account be closed and my initial deposit be returned. I waited for three months and then finally filed a CFPB complaint XXXX XXXX XXXX  ) to get my {$50.00} back on XXXX XX/XX/2023. 

On XXXX XX/XX/2023 I received an email about an account statement being available and a letter from XXXX XXXX informing me that they were able to verify my identity and re-started my account. I called customer care and they informed me that the clock on my bonus offer had reset and I could still setup two direct deposits to receive the {$400.00} bonus within 90 days. I successfully completed that and waited until the advised period but they did not credit the {$400.00} bonus. Reached out to customer care again and escalated to a supervisor who had an analyst review the case and informed me 30 days later that they acknowledge my account was frozen so I couldn't deposit any amount but they are not going to honor the the promotional offer because it had to be within 90 days of XXXX XX/XX/2023. 

I find this extremely unfair on their part due to a number of reasons - 1 ) They automatically closed my account and didn't provide an alternative to ID verification, but when I submitted my first CFPB complaint they were suddenly able to verify my identity without needing me to show up in a branch. If that was possible why did they not do it in XXXX itself so I could still meet the offer terms. They kept insisting going to a branch was the only way to complete ID verification but that was not true. Truist 's actions and conflicting information provided by their customer care team actively precluded me from completing the activities for the bonus. When they restarted my account they should have ensured the offer applies too so I had a fair shot at completing it. 

2 ) They were still offering the same promotional offer to new customers between XXXX XXXX to XX/XX/2023. I have a screenshot showing the online ad that was displayed. That is the time period in which I completed the same activities but I am not getting the bonus
Consumer complaint received 2022-11-29
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. (TX)

In accordance both the XXXX credit reporting at the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 US C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 section 602A. states : I have the right to privacy 15 USC 1681 section 604A. states : a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 section C ( a ) ( 5 ) 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 the records of conviction of crimes with antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

To whom it may concern - I recertified my IDR on XX/XX/2024, via XXXX. It was received by mohela on XX/XX/2024. Approved on XX/XX/2024. 
My renewal date was XX/XX/2024 and papers should be in by XX/XX/2024. 
I noticed once my renewal was approved my renewal month on Mohela was changed from XXXX to XXXX. 
I called to ask, because my renewal month has always been XXXX. No one has been able to answer why the change, or change the month. Is there a reason? I didn't renew late or too early. Please help
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-29
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 (CA)

On XX/XX/2022, my wife and I purchased a ticket in error for the wrong airport after our flight had been cancelled. Within minutes, we called American Express as well as the airline to cancel the ticket. American Express advised that we allow the charge to go through and then dispute it, which I did. Once the charge had gone through, they refused to allow me to dispute the charge. I want the {$750.00} fully refunded, since I was materially prejudiced by American Expresss representations after I had relied on their assurances.
Consumer complaint received 2019-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

My house is scheduled to be auctioned off on XX/XX/XXXX. I tried my best to get a Loan Modification for over 7 Years. It was a marathon effort starting way back in XX/XX/XXXX, with the servicer - XXXX. I submitted tons of documents and XXXX kept on rejecting the Modification for one frivolous reason or the other. I was in fact asked to take the other Loss Mitigation option - Short Sale Now the new Servicer is " Specialized Loan Servicing '' ( SPS ). I have submitted a complete Short Sale Package and requested SLS to postpone the auction and allow time for the Short Sale to be processed. However they are not willing to do that. Hence this request through your good selves, so that I can avoid the Foreclosure stigma in my life and my credit report.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (PA)

I received a letter/notification in the mail on XX/XX/XXXX from Chase Banking stating that they had received a check previously deposited into an account with my name on it and was returned due to the checks being altered/fictitious. They included a copy of the check in the letter. I personally do not have a Chase Banking account and immediately realized it was fraudulent and someone opened an account in my name without my permission. The amount on the check was for XXXX. I immediately went to the nearest Chase banking office and reported the fraud account. They put a hold on the account and reported the fraud to the department. Upon closer look, no money was taken out of my banking account and there were no additional withdraws or opened credit cards in my name. I then followed up and completed a police report in my area for the identify theft problem.
Consumer complaint received 2023-02-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (AL)

On XX/XX/2021, I purchased a vehicle through Credit Acceptance Corporation. I paid almost half of the balance owed before the car was turned in with a balance of {$8600.00}. I tried to negotiate and keep the car even though it was a lemon, and I spent several XXXX XXXX XXXX trying to fix the vehicle with a car payment. I also became XXXX  XXXX  after this because of the XXXX  I endured after putting money towards a vehicle that I no longer have and its on my credit file as a repossession that is affecting my credit worthiness.
Consumer complaint received 2023-02-03
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 reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Please correct the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

American Express ( Amex ) fraudulently attached to my Gold account seven ( 7 ) unauthorized users with their own credit cards numbers. IT IS IMPORTANT TO NOTE THAT NONE OF THE UNAUTHORIZED USERS WERE EVER KNOWN BY, OR ASSOCIATED WITH ME. Amex told me that the unauthorized cards were " attached to my account '' by Amex 's computer. Before these unauthorized cards were attached to my account, I had in excess of XXXX points. The unauthorized users eventually drew my points down to XXXX. Amex told me that my points were " used for XXXX purchases '' and travel. At this time, my XX/XX/XXXX statement indicates that I have a NEGATIVE XXXX POINTS. I began contacting Amex in XX/XX/XXXX. They finally reissued a new credit card number in XX/XX/XXXX, BUT THE SAME UNAUTHORIZED/UNKNOWN USERS WERE STILL ON MY ACCOUNT. At this time I requested paper copies of my Amex statements dating back to XX/XX/XXXX so that I could scrutinize each transaction, etc. I have yet to receive copies of my statements. Amex continues to deduct points from my account to 'pay back ' points that I NEVER USED. At one point, an agent told me the matter was closed and that my account had XXXX points. Sadly, my ill husband and I wanted to take one last trip together. Of course, I had counted on plenty of points for the airline tickets. Without these points, we are unable to take this trip. Rather than try to help me, they have now reduced my point balance to XXXX for reasons I do not understand, nor can they explain.
Consumer complaint received 2023-05-22
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-19
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)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.
Consumer complaint received 2023-07-08
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. (GA)

I first became aware the XXXX XXXX account that was fraudulently open in my name around XX/XX/2023 from my credit report as so as I seen how much it was effected my credit score I did my research and I knew the account did not belong to me what so ever so I reported and keep reporting it and disputing it and have got no solution yet
Consumer complaint received 2022-11-29
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)

A XXXX late payment was occurred on a XXXX Credit Card Account during the COVID-19 pandemic, as I never received a statement or phone call alerting me of the past due balance. Immediately upon receiving an alert from my credit monitoring, the account was paid in full. It still reports negatively on my account. The credit bureaus have not removed it.
Consumer complaint received 2021-04-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (MA)

Several years ago, my identity was stolen and used to open up a credit card account with PenFed Credit Union. At the time, I was contacted by PenFed and I told them not to open the account, but they opened it anyway and allowed the fraud perpetrator to transfer a credit debt. PenFed has acknowledged that it was at fault. My problem is that despite numerous efforts to get PenFed to close the account, and assertions from PenFed that the account has been closed, I continue to get statements from PenFed regarding this account that has no money in it and that I never wanted in the first place. Most recently, I received a statement on or about XX/XX/2021.
Consumer complaint received 2024-03-05
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. (MD)

After sending a lot of Dispute Letters and FTC reports, these negative items ( XXXX XXXX XXXX XXXX XXXX  ) are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2023-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this report due to a critical concern regarding my credit report. I have two inquires which I am not able to dispute through the TransUnion credit bureau ( see attachment ). These inquiries were misappropriately applied to this account as they were for an auto lease under my business using my businesses employer identification number ( EIN ).