davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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. (FL)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please update all payment, all payment was made on time 6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
15. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
18. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
* Please add a Promotional Suppression to my credit file. 
* Please remove all non-account holding inquiries over 30 days old.
Consumer complaint received 2020-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

Bloomingdales sent me an email regarding a purchase made online with my credit card I have agent from Bloomingdales consumer protection department did advise to submit claim with CFPB because I could be a victim of fraud.
Consumer complaint received 2021-03-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

Have been trying to get a income repayment plan with Navient. From XX/XX/2020 to present i have received 6 different amount to repay. {$370.00}, {$170.00}, {$290.00}, {$140.00}, {$180.00}, and {$110.00}. We only bring in {$2900.00} a month. I had spoke with them and told them we need the lowest payment. We can not afford alot we have other bills. I was told that was not their problem. After all of it we are now back up to {$180.00}. I have asked for the formula that is used to calculate the payment. They refuse to give it to me and said I wouldn't understand. I told them that we could do the {$110.00}. I was told to resubmit my paper work and they would lock it in. 2 weeks later it came back at {$180.00}. I tried calling to speak with a supervisor. They refuse to allow me to speak with one.
Consumer complaint received 2021-03-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Experian is reporting several accounts with incorrect payment history as well as incorrect dates of the first delinquency. I disputed these accounts through my online account on XX/XX/2021. Experian " updated '' these accounts but the payment history and dates listed remain incorrect. These accounts were never marked as disputed as evidenced by the credit report dated XX/XX/2021 which is a violation. I tried to dispute these items again but have been unable to because the website does not allow it. I wrote an additional 609 letter to Experian requesting additional info. I have not received anything as of yet.
Consumer complaint received 2021-03-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (IL)

On XXXX XXXX, I was given a XXXX dollar loan from green line loans owned by WAAwaatesi llc company ... This company charged XXXX every two weeks for a apr of XXXX percent a year..This is in violation of The Illinois pay day loan reform act which states a company may not charge no more than XXXX per XXXX of interest, therefore making this loan illegal in the state of Illinois..Per section 1 of the Illinois payday loan reform act to give out payday loans to customers the company must be licensed in the state of Illinois which WAAwaatesi llc is not..This loan is also is illegal in the state of Illinois per sec 03-03a of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be licensed with Illinois department of financial regulation which this company is not therefore making this loan illegal and unenforceable under Illinois state law..To this date I have paid XXXX dollars on this illegal loan in the state of Illinois and an unenforceable loan per Illinois state law
Consumer complaint received 2021-03-22
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: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management Account XXXX XX/XX/XXXX Date Opened Loan Type : Credit Card Charge off Account Company named above claims I have a unpaid balance charge off. 

Company above appears on my credit report as XXXX initially, but this account was sold to this compnay. Thus, making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$1200.00} dollars in XX/XX/XXXX. 
This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so.

7. Midland Credit Management must submitted proof that they have the correct person who owes said monies, and that my correct social security number on file is indeed the correct social security number.

It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX XXXX XXXX and XXXX
Consumer complaint received 2017-10-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (PA)

I initiated a balance transfer for {$7200.00} from XXXX XXXX to Wells Fargo bank onXX/XX/XXXX. It is now XX/XX/XXXX ( a month and a half ) and I still have not received the money. I 've called Wells Fargo over 10-15 times over the last 2-3 weeks and all they keep saying is they are investigating. When speaking to some representatives they mentioned they ca n't call out from their center. I asked well " How do you reach out to investigate if you ca n't reach out to anyone? '' I had XXXX fax them a copy of the cashed check and I faxed them a copy on XX/XX/XXXX that shows Wells Fargo cashed the check on XX/XX/XXXX and they still have not credited my account and released the funds.
Consumer complaint received 2019-12-04
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. (FL)

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/2018. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-03-16
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. (HI)

In accordance with the Fair Creditt Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXXl # XXXX 15 U.S. C 1681 Section 602 A. States that I have a right to privacy.

Also, 15 U. S. C 1681 Section 604 A. Section 2, States that a consumer reporting agency can not furnish an account without my written instructions.

Also, 15 U. S. C 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items of information, other than records of convictions of crimes which antedates the report by more then 7 years.

Lastly, 15 U. S. C 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I work as a XXXX XXXX  and needed housing for my upcoming assignment. I responded to an ad for housing in XXXX XXXX. I received a response from XXXX XXXX who was working with XXXX XXXX and XXXX XXXX. They sent me an application and an extensive rental agreement. They were very responsive initially. Before sending any money, I searched on google maps, found the advertised property and I searched all three names to see if any red flags came up. Nothing displayed. I subsequently sent {$1500.00} + XXXX deposit to reserve the dates. Unfortunately, my job pushed back my start date. Once I notified them of this, I was asked to send in another {$2500.00} to hold the unit for me. I was told that I would receive the keys in the mail. Well, prior to my move in date, they stopped responding to my texts and emails and disconnected their phone number. I then did a reverse search in XXXX, a different realtor came up for the same apartment complex.She told me that my name was not in their data base and the people listed above had stolen her listing information. I made payments through XXXX accounts : XXXX  XXXX XXXX, XXXX XXXX and USAA. I was told that I should have known it was a scam and that I was responsible for sending the money. I was also told that XXXX XXXX has an account with XXXX  XXXX XXXX. I don ; t understand why the banks would side with a scammer and not reverse the payments. I have proof of receiving the application, the rental agreement, the name and address of two of the scammers and phone number of the agent whose information was stolen, as well as proof of the money that I sent via XXXX. This has caused me to secure a hotel for 3 days and pay for another dwelling for my work assignment. I hope this can help others, but I would also like my money back. Can you help?
Consumer complaint received 2020-02-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (CA)

I have disputed this XXXX XXXX  XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$1500.00}
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX They are reporting inaccurate information to my credit report I have asked several time for them to verify this information that is not mine I have reached out no response back this need to be removed off my credit report due to the fact it is fraudulent
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (CO)

On XX/XX/2023 I was contacted by PNC because of suspected fraudulent charges made to the XXXXXXXX XXXX There were XXXX charges for {$50.00} each. At that time they were able to file a dispute for XXXX of them but said I had to wait to file the other XXXX until they posted. I filed a dispute online for the XXXX on XX/XX/2023. I was issued a total of {$450.00} in provisional credits at that time. On XX/XX/2023 XXXX of the {$50.00} credits were reversed saying they found it to be duplicate. I contacted PNC on XX/XX/2023 when an agent reopened the dispute. I contacted PNC on XXXX XXXX and was told that it was still being reviewed. On XX/XX/2023 I contacted PNC again because they had sent a letter stating the dispute was resolved. I was again told it was because it was a duplicate dispute. I spoke with several different agents who the escalated to another department. I spoke to this department on XX/XX/XXXX. She asked me why I hadn't filed a dispute within their required 60 days and I explained that I had called multiple times and filed the initial dispute the same day and 2 days later. She resubmitted the dispute. Yesterday I received XXXX letters stating that they were denying the XXXX {$50.00} disputes because it had not been filed in the required 60 days.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The Experian and XXXX credit bureaus must verify his item in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this item as unconfirmed information without validating them within the legally required time range. This false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-05
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. (NY)

in accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX, has violated my rights. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy, Treatment of inaccurate or unverifiable information 15 U.S. Code 1681i section 5 Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Consumer complaint received 2021-03-22
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: AMERICAN EXPRESS COMPANY (GA)

In XXXX, I contacted AmEx because my credit card is a travel credit card with a {$550.00} annual fee, which was hefty in a pandemic year during which I did not travel. The CSR offered me a XXXX retention bonus. The next month, I had not seen it, so contacted AmEx again, on XX/XX/2020 via chat. That CSR said that I had to affirm that I would not cancel the card and I did. The CSR said the miles would be applied within 8-12 weeks.

Its been 13 weeks, so I contacted AmEx again. After an interminably long chat, during which I received somewhat nonsensical information, the CSR said I have already received the miles. I have not. I received other miles for a separate promotion, for spending a certain amount of money on my card. Im owed the promised XXXX Skymiles.
Consumer complaint received 2020-08-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I recently sent letters over 60 days ago to these bureaus and they are disregarding the regular consumer disputes. I have been sending letters before this and still no respones.
Consumer complaint received 2023-05-31
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. (NY)

I sent a letter out on XXXX XXXX to Experian, XXXX, and XXXX. 

Here are the following tracking numbers : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.