davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
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. (SC)

InXX/XX/XXXX I contacted all 3 credit reporting agencies and made them aware that I am a victim of Identity Theft and provided them with a copy of my police report, Identity Theft Affidavit, driver 's license and a recent utility bill and requested that they comply with the FCRA Section 605 ( b ), by blocking the information that I have detailed to them that was fraudulent on my credit file. XXXX and XXXX  acted immediately and blocked the fraudulent information, but Equifax refuses to do so. My follow-up phone calls to Equifax are being transferred to their Office of Consumer Affairs and I get nowhere from there. Equifax has stated that they do not have to comply with the FCRA and that they will treat the Identity Theft as an average dispute and contact the creditors in that respect on my behalf. The representatives that I have spoken to in Equifaxs Office of Consumer Affairs are very rude and condescending and during my latest follow-up call, when I suggested that this Identity Theft is likely a direct result of their recent security breach, the representative literally hung up on me. Equifax is deliberately refusing to comply with the laws that govern them and should be held accountable. I have simply asked that they comply with the law and block certain fraudulent information from my credit file after having provided all of the required documentation, but they refuse to do so. This is unethical behavior that they are displaying and I hope that they will not be allowed to continue to operate in this way.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am urgently appealing for the removal of this mistaken late payment from my account. My consistent track record of timely payments contradicts this entry, which is causing me unnecessary worry and distress. I urge you to swiftly correct this error by updating my account.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXXXXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Address XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My only name and address is what's provided on this complaint. 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

I am a XXXX XXXX XXXX XXXX 

The bank blocked my cards out of the blue without me doing anything wrong whatsoever, i.e. no deliquency, outstanding debt or any other such issues I am aware of. They did this without any prior warnings or requests for information. They only notified me as they blocked my two cards.

I raised a complaint and asked what prompted this and what exactly I did wrong. The bank did not provide a substantive response.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (TX)

I applied for a credit card with Citi Bank on XX/XX/year>, and during the process, a technical glitch occurred, resulting in multiple application submissions. This was unintentional and outside of my control. Due to this error, Citi Bank declined my application, but a hard inquiry was still recorded on my credit report. I am requesting the removal of this inquiry, as it was an unauthorized result of a technical issue.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting to remove a hard inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize. I have thoroughly reviewed my records and have not applied for credit or initiated any transactions with the aforementioned creditor on the specified date. Therefore, I believe this inquiry is unauthorized and inaccurately reflects on my credit report.
Consumer complaint received 2018-04-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Biehl & Biehl, Inc (NY)

I had lost my job and was unable to pay XXXX - I did contact them but they turned me over to Biehl and Biehl Collection Agency - other agencies I have dealt with were under- standing and said they would make note of my account.

The first time I called Biehl and Biehl they were nasty as told me why did I order XXXX if I didn't intend to pay - I have dealt with XXXX over 60 years and this is the first time I had a problem - I called them as I said and they were nasty but told them I could not pay what I did have and hopefully one day get a job which at XXXX  is not easy and pay it eventually - XXXX  would not accept small payments and wanted half one month and half the next month which I couldn't do.

I got another letter from them informing me I ignored their request for payment and want it immediately - I tried calling again but you get put on hold forever so I sent them a letter.

Even going on the web their reputation is not the best and there are other complaints about them being nasty - as I said other Collectors are nice and say they will make note of it on my account.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have many incorrect inquiries on my credit report that I have never affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are tied to my name but I have nothing to do with this.

XXXX XXXX  XXXX   CARD XX/XX/XXXX {$5300.00} XXXX XX/XX/2006 {$620.00} XXXX XXXX XXXXXX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX{$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$20000.00}
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/XXXX, my bank account was charged a total of {$2500.00} across XXXX different vendors/companies and a total of 12 different transactions. Three of those companies I am completely unfamiliar with, with the fourth being DraftKings, a platform I have used in the past. I proceeded to immediately contact TD Bank, close my debit card, and filed a dispute to receive back whats rightfully mine.

However, my first claim was denied. I filed a second claim, and was told that the transactions seemed to be authorized by me and that I consented to these transactions or benefitted from them. Never once was I asked for documentation or evidence to help and support my case. Thus, I have requested the documentation and evidence provided by the companies to see what swayed TD Bank in the merchants favor. I found it particularly difficult to finally get the proper documentation sent over. Which I will receive in approximately 2-3 weeks at the time of this writing ( XX/XX/year> ). 

Super frustrated with the lack of transparency, communication, and support from my own bank to aid me through this stressful process.

Once I receive the documentation that the merchants provided to TD Bank, I will collect all evidence I have to make my case and will make this a legal issue if I do not receive my funds.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX  has reported late payment on my credit report fromXX/XX/2018-XX/XX/2018 140 days late payment this car was totaled lost and account was close this year XX/XX/2018 with a {$0.00} Balance XXXX XXXX XXXX   is reporting false information on my credit report and now as added back the dedit under the FCRA LAW DEDIT COLLECTOR CANT REPORT FALSE IMFORMATION ON MY CREDIT I will sus this company if this is not removed off my credit they have added this to my report with out my knowledge and has affected my credit score This company Is not right and this is against the law
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX Opened Barclays XXXX XXXX credit card with $ XXXX spend ( in 3 months ) for XXXX miles bonus and {$99.00} annual fee statement credit. 
XXXX XXXX XXXX XXXX XXXX  spend requirement XXXX  - {$99.00} annual fee statement credit posted with statement close. XXXX miles bonus did not post. 
XXXX  - Messages to Customer Service Reps ( CSR ) inquiring about bonus not posting. CSR indicated it could post on the statement when qualified requirements are met. 
XXXX   - Inquire again as miles still do not show pending in my Barclays account. CSR says wait 6-8 weeks per Terms & Conditions. 
XXXX  - Inquire again after specified time frame since meeting requirements. CSR indicates I did not meet requirements, but I did. CSR opened investigation to take another 30 business days and I still do not see anything another couple of weeks in.
Consumer complaint received 2022-12-22
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: Incomm Holdings Inc. (CT)

After several months of communicating with the dispute department of Incomm Financial Services , Inc, regarding my VanillaGift Card issued by XXXX XXXX. I received a replacement card issued by XXXX XXXX XXXX with my name ( XXXX XXXX ) vs. ( Gift Card Recipient ) as I received in the form of a birthday present on XX/XX/XXXX. This replacement card has the exact same account number ( XXXX ) as the original but with a new expiration date of XX/XX/XXXX vs. the original gift card of XX/XX/XXXX and a new security code of XXXX vs. the original of XXXX. 
When I went to activate this new replacement card, I found it already had several transactions ( as did the original card ) already listed and with a remaining balance of {$14.00}. As I had already mentioned and documented back on XX/XX/XXXX when I tried to activate the original gift card which also showed several transactions and with an available balance of {$32.00} cents. I nor anyone known to me has ever conducted business on this account. All transactions are fraudulent and not activated by me or anyone known to me. The letter sent to me by the Incomm dispute Resolution Department after XXXX days of investigating my complaint on XX/XX/XXXX indicated the approval of a replacement card which should have been for the total of {$50.00} not {$14.00}. I have requested them to advise me of the details of their investigation and what they believe were the transactions they believe I or someone known to me may have conducted on this account. I also requested them to advise me as to how and what I can do to satisfy them that no person, me or anyone known to me, ever conducted business on this account. I also asked that they at a minimum advise me of their receipt of my request for further investigation and for them to immediately replace my card with a new card, and a new account number in the amount of {$50.00}. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX
Consumer complaint received 2022-12-22
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: Navient Solutions, LLC. (OH)

XXXX, XXXX, a dispute was submitted to XXXX. It was noted by me in XXXX that principal amounts of the students loans are incorrect. During the course of these loans, the service providers have changed several times and the principal amounts changed as well. Instead of bringing the balance to XXXX  when transferring the loans from one servicer to the next, it stayed. The time period that is being disputed is XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX says that The Department of Education and the XXXX XXXX submitted to XXXX XXXX XXXX {$26000.00} on XXXX XXXX and on XXXX XXXX, submission of {$15000.00}. Keep in mind a XXXX XXXX was provided to me during these time periods and the tuition was less than {$10000.00} for the whole year. A dispute was made with XXXX and they indicate that these amounts are accurate and the principal balance is correct as indicated. The principal amount grew each time there was a new servicing agency. Example, The Department of Education transferred {$5500.00} to XXXX. Once transferred the balance for the Department of Education should have been XXXX, while XXXX would show {$5500.00}. Instead it shows that the principal amount is {$11000.00} instead of {$5500.00}. Then when it transferred from XXXX to the next servicing agency, instead of showing the {$5500.00}, its now showing as {$16000.00} during the semester of XX/XX/XXXX. The same action happened for XX/XX/XXXX. This is ludicrous, the tuition was paid with a XXXX XXXX and part of the student loans. These amounts that are showing as accurate in the credit Bureaus are incorrect. As an XXXX, theres no way these amounts were given to me while at XXXXXXXX XXXX XXXX It is the changing of the student loan servicing agencies that has driven up the principal of the loans. Each service provider is showing the same loan, XXXX is combining the amounts as accurate and they are not. XXXX is the new service provider and the principal is now over {$57000.00}. Theres no way the principal grew like this. The last semester that school was attended by me was the fall of XXXX. Unfortunately, for me, repayments of the loan was steady for 14 months during the time period of XXXX, I fell on hard times and was not able to continue making {$300.00} plus each month. Started raising my granddaughters. Its the servicing agencies not reflecting a XXXX balance after transferring the loans to a new agency. XXXX now, working part time and still taking care of my granddaughters. This incorrect amount is a heavy burden on me, different if it was accurate.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have submitted a dispute on how you all are showing a balance on my account of XXXX, but it should be XXXX as the account has been paid and has a XXXX balance. Account stil shows a balance and is hurting my score, needs to reflect correct info of {$0.00} balance
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I was a victim of a scam and fraud. The suspect took out a loan in my name worth $ XXXX. Then proceeded to make fraudulent transactions ( XXXX ) {$1000.00} charges, ( XXXX ) {$900.00} charges, and a {$560.00} withdrawal using a cloned debit card. When I discovered the transactions, I called USAA bank to notify them. They immediately returned my money. I used it to pay the loan off and I recouped what was in my account at the time. However, 20 days later, USAA comes back and states there was no fraud and that it was authorized and took their money back leaving me with $ XXXX work of debt to them. I requested an explanation to no avail. The paperwork they sent me didn't explain anything. Just said no further action would be taken. I had filed a police report and even they agree the charges are fraudulent and are still currently investigating, trying to find the suspect or suspects. How was USAA able to come up with this decision? Why was my account not flagged when this happened? They've called me asking if I used my card at a gas station too many times but nothing on this.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

I was an American Express platinum card member since XXXX. In XX/XX/XXXX, I was informed by Amex my accounts were canceled, my accounts were current in XX/XX/XXXX, but in XXXX I had a $ XXXX balance, which was not unusual -- I believe my accounts were canceled because some payments to Amex were returned, but ultimately cleared when retried. In XX/XX/XXXX, I was contacted by a person allegedly from Amex collections, this person had detailed knowledge about my accounts, and that I was speaking to customer service at Amex, including what my inquiries were about. The information they had, and the timing was such that I can not imagine an American Express employee was not involved in this fraud. I was offered by the fraudsters a settlement under Amex 's XXXX XXXX, which a XXXX search showed the existence of an XXXX XXXX ( according to a forum on XXXX -- I now doubt that post was legitimate ). The offer required me to pay {$30000.00} then, with another after XXXX weeks and my cards would be reinstated and credit report fixed. I sent $ XXXX by wire, but aside from this fraud aspect, American Express did not at all address the issue of the fraud. Since my accounts were canceled they had no interest in helping me. I can only wonder if there is some communication between a criminal element and an Amex employee in the collections department.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've fallen victim to identity theft, and my information has been used fraudulently. Because of this, there are items on my credit report that I was never involved with. Following TransUnion 's instructions, I filed a report with the FTC and sent it in, but these fraudulent items are still there.
Consumer complaint received 2024-11-01
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: EQUIFAX, INC. (MI)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.