davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
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. (IL)

My name is XXXX XXXX and I am a victim of identity theft!! Please add a fraud alert on my credit as soon as possible to stop this!! I was researching " The Fair Credit Reporting Act '' and according to them, block all fraudulent information off my credit in XXXX business days, thank you!!!
Consumer complaint received 2022-12-22
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. (IL)

My name is XXXX XXXX and I am a victim of identity theft!! Please add a fraud alert on my credit as soon as possible to stop this!! I was researching " The Fair Credit Reporting Act '' and according to them, block all fraudulent information off my credit in XXXX business days, thank you!!!
Consumer complaint received 2022-12-21
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 (FL)

I signed up for a business AMEX XXXX card because they offered XXXX points after I spent XXXX dollars. I called them to ask a question and they volunteered that the XXXX dollars that I had already spent would not count towards the spending requirement because it was spent to pay for federal income taxes ( through a third party which charged an additional fee to me ). They said that this violated the terms of my offer. I read and re-read the terms and this does NOT violate them. Moreover when I applied I specifically asked whether paying federal income tax with the card would count towards their spending requirement and I was told that such spending would count. I want them to honor their offer. At this time I do not know whether to spend more on the card or to close the card account because they are liars. The only way that I can meet the spending requirement within the 3 months period is to charge even more money for tax payment. I do not want to to that unless such spending will count. AMEX lied to me. They should honor their offer.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act. The list of six accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15. U.S.C 1681. 

Account name : XXXX XXXX XXXX, reporting six derogatory times on my TransUnion credit report with six separate accounts and balances and has violated my rights. 

15. U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15. 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 reasonable cause to believe that the information is inaccurate. 

Please delete these XXXX derogatory XXXX XXXX XXXX accounts immediately.
Consumer complaint received 2022-12-22
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: Army and Air Force Exchange Service (TN)

referencing to complaint number XXXX I reviewed my consumer report and noticed that the late payments that I am continuously demanding for deletion is still reporting on my credit file without my CONSENT nor did i receive the proper disclosures from MILITARY STAR to opt out of my non public personal information being reported to a non affilliated third party pursuant to 15 U.S.C 6802 obligations. These payments are not late and 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. Please reinvestigate and provide proof showing that these payments were late. If proof can't be provided I demand these payments be updated to on time payments as they should have been for account AAFES/MILITARY STAR- acct # XXXX XXXX XXXXate payments XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
documents were uploaded in complaint XXXX
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX XXXX ID : XXXX Company was to refund me {$25.00}, but due to their error they XXXX  out my account with send me my credit balance refund.
Consumer complaint received 2023-05-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (KY)

XXXX XXXX, V, XXXX filled a case against me through XXXX XXXX XXXX XXXX XXXX ( XXXX, KY ) in XXXX and I just received a summons from the sheriffs department on XX/XX/XXXX, threatening to serve me at home or my place of work. All information they presented is very inconsistent with the paperwork I have dating from XXXX and send to the debt consolidation company ( XXXX XXXX ) in XXXX, which was when the debt occurred. In summary, there was XXXX different account numbers with XXXX different amounts. Also, there is nothing reflecting in any of my XXXX credit bureaus for this collection agency, XXXX XXXX credit agency OR JC Penny Synchrony Bank. Timeline is as follows : On XX/XX/XXXX a letter was written to me from Synchrony Bank stating the card ending in XXXX was sold to XXXX XXXX XXXX. XXXX, FL Amount is XXXX. Stated it sold on XX/XX/XXXX. 
XXXX of limitations is 5 years. This would put max collections at XXXX, if I am tracking correctly. 
This was sent to XXXX XXXX on XX/XX/XXXX. 
On XX/XX/XXXX received email from XXXX stating debt for XXXX XXXX ( JCP ) was added to plan. 
Letter received from XXXX XXXX  XXXX on XX/XX/XXXX sold to XXXX XXXX  jumping to XXXX and ending in XXXX. A copy of this letter was sent to XXXX on XX/XX/XXXX. 
Received letter from XXXX XXXX XXXX on XX/XX/XXXX to pick up documents, which I did on XX/XX/XXXX. Documents reflect old statement balances from XXXX of XXXX with account ending in XXXX. 

XXXX letters/statements : Different Account # XXXX and Different amounts XXXX XXXX Acct. XXXX {$690.00} XXXX XXXX Acct. XXXX {$820.00} JC Penny XXXX XXXX XX/XX/XXXX Acct. XXXX XXXX {$780.00}
Consumer complaint received 2023-05-30
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. (PA)

I have emailed the department or education/XXXX and also filed disputes with all 3 credit bureau XXXX My student loan has been in deferred for years now. How can they report ok XXXX and XX/XX/2019 then all of a sudden report 90day late XX/XX/2019. I was not 90 days late I was deferred but also you can not jump to 90 and skip 30 or 60 day. This is incorrect reporting and needs to be deleted or updated to never late
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-11-23
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)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: CCS Financial Services, Inc. (IL)

I called XXXX for a quote on in XXXX of XXXX. The agent put me on a plan that I did not want, months later they sent me a collections notice for the insurance, that I did not want. 
I got ahold of a manager in XXXX of XXXX and explained what happened and they said that it was a mistake and their part and will get ahold of collections. As of XX/XX/XXXX it shows I still owed {$4.00} to the collections. I called XXXX to discuss what happened they transferred me to the collections agency and the collections said they had no record of me owing anything. I tried telling XXXX what they had said and automatically transferred me to collections and said there is nothing more they can do. I have been dealing with collections, that is affecting my credit for over 2 months now.
Consumer complaint received 2021-05-12
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. (MI)

i have a mortgage still associated with my credit from 15 years ago. she has re financed per the court order yet it still shows. she has missed numerous payments and is destroying my credit. 
MOST IMPORTANTLY tho. i have bankruptcy on there from XXXX of XXXX i never filed for bankruptcy. please help and remove this asap. Im going to lose everything because of someone else. please please please help
Consumer complaint received 2023-07-02
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: TRUIST FINANCIAL CORPORATION (TX)

this account REGIONAL ACCEPTANCE XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Remove inquiries from XXXX and transunion credit report from XXXX XXXX. I did not authorize my credit to be ran by this dealership. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Sent cease and desist letter to Capital One This was received on XX/XX/2012 confirmed by usps per tracking.. 
Capital One has placed phone calls daily to collect alleged debt. Capital one has sent several emails on related to same. These all have taken place after XXXX! XXXX.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXXXXXX BALANCED {$150.00} XXXX  XXXX BALANCED {$0.00} XXXX XX/XX/year>
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is my XXXX-time requesting 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX Balance XXXX {$7100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$64.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$85.00} XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$64.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$85.00} XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance XXXX {$7100.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XX/XX/XXXX I received a solicitation from Capital One Bank advertising their 360 Performance Saving account. Capital One Bank offered a {$500.00} bonus for opening a new account provided the new money deposited from an external bank during the Initial Funding Period was between $ XXXX {$99000.00}, and I maintained that Deposit Amount for 90 days. I opened an account on XX/XX/XXXX and made a {$50000.00} deposit on XX/XX/XXXX. I maintained this deposit for 98 days, withdrawing my money on XX/XX/XXXX. I have not received my {$500.00} bonus. I called on XX/XX/XXXX to track down my {$500.00} bonus and was told that I don't qualify. Here is the exact wording from their offer : '' How to earn it : Open a Capital One 360 Performance Savings account using XXXX XXXX XXXX to earn one of these bonuses : {$100.00} bonus The new money deposited from an external bank during the Initial Funding Period was between $ XXXX {$49000.00}, and you maintained that Deposit Amount for 90 days. {$500.00} bonus The new money deposited from an external bank during the Initial Funding Period was between $ XXXX {$99000.00}, and you maintained that Deposit Amount for 90 days. {$1000.00} bonus The new money deposited from an external bank during the Initial Funding Period was more than {$100000.00}, and you maintained that Deposit Amount for 90 days. You must deposit the required amount from externally sourced funds ( transfers between Capital One accounts will not qualify ) within the first 15 days of account opening ( Initial Funding Period ). '' Funding Period ). Their position is that the 90 days does not start until the end of the funding period, but their written offer states during the funding period and maintained for 90 days. It is misleading to state " during the funding period '' if your intention is really the end of the funding period.
Consumer complaint received 2023-05-30
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: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/23 I spoke with a Navy Federal Supervisor in the Loan department regarding how my checking line of credit was being report to XXXX, XXXX, and XXXX credit agencies. The Supervisor said the issue would be escalated and that someone would e-message me or contact me regarding an answer to my concern. I never contacted regarding my concern, so today XX/XX/23, I called NFCU and spoke with a Supervisor in the same department regarding the same issue. The Supervisor informed me the loan was special, and that it was being reported as a revolving account because the account does not have an expiration date. I informed him whether the account is a revolving account or an installment account credit reporting agencies should not be able to access real time balances regarding this particular account or any other account for that matter. I informed him that the practice seems unfair and possibly illegal. Review illustrations of the e-promissary loan agreement from NFCU, my XXXX checking line of credit reports, and the checking line of credit statement ( 16th of each month ) documents for proof.
Consumer complaint received 2023-07-22
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: CITIBANK, N.A. (FL)

I rented a property where my tenant took pictures of my credit cards back and front, driver icense, and social seurity. they open account, and use exciting account to buy unotherized items. 
I have file dispute with the credit card company, credit bureau, including providing police report and claiming identy thef. They have refuse to clear my accounts. They continue to report late payment and charge off some account.
Consumer complaint received 2022-11-23
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. (TX)

My name 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 2023-05-30
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: Avant Holding Company, Inc. (NC)

I've been back and forth with XXXX  XXXX  in regards to two accounts XXXX, and XXXX. 
These accounts was charged off XX/XX/2022 and XX/XX/2022 per XXXX credit report. However, I've yet to recieve the canceled portion of a 1099c. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtness with 1099c and is now INCOME, furthermore income can not be on a consumer report. Furthermore, XXXX XXXX is in violation as there privacy policy states that I as a consumer have a right to opt-out of third party sharing and that they only can do so with my written consent, which I never gave.I 'm also fully aware of XXXX XXXX trading and selling on my name unauthorized. Pursuant to the XXXX sec filings ( indenture agreement ) XXXX XXXX failed to disclose My right as issuer to transfer my securities for discharge and recieve payment for doing so, which without disclose of this it's obviously securities fraud, because they're still selling and trading on my name unauthorized.