davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (FL)

American Express Personal Savings doesn't provide pdf  statements and/or downloadable account activity in XXXX  or XXXX. 

They only provide downloadable activity for consumers with XXXX  or XXXX XXXX software. 

These to formats limit certain users to access their account activity and/or records. 

As an example, apple platform devices no longer have the ability to open these type of files ; unless you have an accounting software license / subscription. 

All banks offer the option to download in XXXX, XXXX and pdf statements for consumers to monitor their accounts activity and records. American Express Personal Savings should offer it as well.
Consumer complaint received 2022-12-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-17
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 sent over a dispute to all 3 bureaus. They dismissed by dispute as frivolous and said it was not me. They are straight up guessing.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

On XX/XX/XXXX I paid off an installment loan with XXXX. After paying off the loan they placed it as a charge off on my credit report. I contacted XXXX and they sent me a letter stating the balance was paid and the account was closed but they refuse to reflect that on my credit report. It is now XX/XX/XXXX and XXXX has reported a charge off on my account for every month since then and the credit reporting agencies refuse to do a proper investigation
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (TX)

I received a credit denial today from a bank when I was trying to finance a car. There is a credit agency called SAGE STREAM that I 've never heard of. When I find them on the internet and ask to see my report I have to send in a letter with a copy of my DL? One the reason they denied me was limited history for consumer at the this phone. I 've had this SAME number for 15+ years. Then it states too many recently opened accounts and then too few active accounts?
Consumer complaint received 2022-06-04
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. (TX)

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-19
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: Experian Information Solutions Inc. (LA)

My information has been compromised and used without my knowledge. It is the direct result of the numerous XXXX  breaches and them leaking information to sell identity theft products. As a result of XXXX  willful negligence which is the direct violation of federal law section 609 ( a ) ( 1 ) ( A ) and 617 my credit report has been injured. False fraudulent information has submitted without my knowledge. There are no contracts baring my wet ink signature there are no records of this fraudulent debt. I will submit a copy of my credit report in which items masquerading as accounts were deleted.
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-04
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. (LA)

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX : XXXX XXXX XXXX Owed : {$270.00} XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX  Balance Owed : {$640.00} Original Creditor Balance Owed : {$49.00} Inquiries : XXXX CRED XX/XX/XXXX XXXX XXXX  XX/XX/XXXX EXPERIAN Collection : XXXX XXXX XXXX  Balance Owed : {$820.00} XXXX XXXX  Balance Owed : {$270.00} AD XXXX Balance Owed : {$350.00} XXXX XXXX  Balance Owed : {$640.00} Inquiry : XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$350.00} Inquiry : XXXX  XXXX
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received numerous inquires on my credit report. I have not applied for any credit since XX/XX/2021. I reached out to all 3 bureaus and they were no help at all. I disputed the inquires with XXXX and they came back validated which is funny. You have to give written consent to run credit via an application, etc. There is no such thing regarding theses accounts. This is a violation on the FCRA.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

I recently reviewed my credit report, and noticed an old account that was closed. It belongs to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I no longer have it and disputed it several times, asking for removal, but the credit agencies have ignored my requests. It is hurting my credit, preventing me from getting new credit cards or other credit products in the future.
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Issue : I have switched my Mortgage Provider from Fifth Third Bank to different Lender. My Property Taxes were paid both by New Mortgage Company and Fifth Third Bank. I specifically called 53 Bank and asked them not to pay taxes. Since it was already paid by other Bank. This happened on XX/XX/XXXX. Still I did not receive the check from Fifth Third Bank yet. They were not able to find the check issued by county. I have been reaching them every week for the past 2 months but get different update every time. Finally They have assigned a supervisor for my case and even she is not responding to me. Her work number goes to Voice mail every time i call her. She haven't returned my call yet. 

Resolution Steps Taken : Follow up every week Conclusion : I'm very disappointed on waiting on check ( XXXX XXXX ) for past 2 months despite of constantly following up.
Consumer complaint received 2019-05-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rubin & Rothman, LLC (CT)

on XX/XX/2019 I received a later dated XX/XX/2019. It looks like is from a law firm Rubin & Rothman , LLC attorneys at law. XXXX XXXX XXXX XXXX, NY XXXX phone # XXXX faxXXXX.This is fraud trying to collect a debt. 
1 ) the letter looks fake like mass produced ( I work for attorneys and this is not a formal letter of collections ) 2 )  my name its not correct or the address ( its close but wrong ) 3 ) it says I own $ for credit card with XXXX 4 ) I DONT HAVE ANY CREDIT CARDS WITH THEM. If I ever did it was over 15yrs ago. 
all credit accts were closed. and any credit cards I have is in my real full name, never in my pet name. 
5 ) this is 1st I seen this type of communications
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Account # XXXX Source of dispute information : XXXX XXXX XXXX XXXX XXXX with Late Payment : XX/XX/2020 This account is now closed. However I noticed one late payment that is erroneous. 

This item is innaccurate because the CARES Act provided protection to consumers who were negatively affected during the COVID-19 pandemic. The one late payment occurred during a forbearance period and according to this ACT, the creditor allowed me to temporarily pause my payment. 

This adverse information has been incorrectly added on my credit report. 

Please reinvestigate this matter and remove the negative payment history from my credit history. 

Thank you for your assistance.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION (FL)

I, XXXX XXXX, consumer, a natural person ( 15 U.S. Code 1602 ( e ) ) who is alive, and dated on XX/XX/2022 am filing a complaint against Navy Federal Credit Union for the advertising of Down Payment pursuant to 15 U.S. Code 1662, Navy Federal is in violation. 
I, XXXX XXXX, did a consumer credit transaction with Navy Federal Credit Union dated on XX/XX/2022 and had to use my Credit Card ( 15 U.S. Code 1602 ( l ) ) aka my Social Security Card, along with a {$300.00} deposit for me to get a Secured Credit Card this is also a violation of The Truth In Lending Act. 
This transaction should be Cash OR Credit, not both within one transaction. 
I am demanding a refund of my {$300.00}, and zero out the balance, update my account to an UnSecured Credit Card with an extension of {$30000.00} credit limits. 
I, XXXX XXXX, consumer, expressing, and exercising my rights and in good faith and I feel an secured credit card is discrimination pursuant to The Equal Credit Opportunity Act ( 15 U.S. Code 1691 ). 
I, XXXX XXXX, consumer deserve a Unsecured Credit Credit Card the same way that other consumers has as well. There should NOT be any discrimination whatsoever. Navy Federal Credit Union needs to in good faith comply with requirements mentioned above pursuant to 15 U.S. Code 1681n ( a ) ( A ). 
Best Regards. Without prejudice.
Consumer complaint received 2024-02-18
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. (GA)

Illegal reporting to 3 major credit reporting agencies XXXX XXXX XXXXNO VALADION OF DEBT PROVIDED UPON XXXX XXXX  - NO VALADION OF DEBT PROVIDED UPON XXXXXXXX XXXX XXXX XXXX -I am requesting a monetary compensation for illegal reporting to my credit in violation to agreement of XXXX XXXX XXXXXXXX XXXX regarding a dismissal of wants to report to credit after case was dismissed without prejudice of both parties regarding a court consent agreement order. 

XXXX XXXX / XXXXXXXX XXXX  has damage my reputation and placed a false accusation on my credit causing me not to be able to rent a property to collect a balance that was consented on there behalf that I do not owe. 

I have attached court ordered consent copy an request the sum of XXXX be paid immediately for violation of court order and damages to credit and rental history preventing me from renting a property. 

XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Consumer complaint received 2020-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I have started seeing hard inquiries on my credit report which i dont have any knowledge about, moreover, I am not living in united states for more than 5 years, i am living in my home country XXXX. 

Below I will give the list of inquiries on my credit report please help me to delete them from my report. 

1 ) XXXX  XXXX -Inquiry from XX/XX/XXXX 2 ) XXXX-Inquiry from XX/XX/XXXX 3 ) XXXX-Inquiry from XX/XX/XXXX 4 ) XXXX-Inquiry from XX/XX/XXXX 5 ) XXXX XXXX XXXX-Inquiry from XX/XX/XXXX 6 ) XXXX XXXX   XXXX-Inquiry from XX/XX/XXXX 7 ) XXXX XXXX-Inquiry from XX/XX/XXXX 8 ) XXXX XXXX-Inquiry from XX/XX/XXXX 9 ) XXXX-Inquiry from XX/XX/XXXX 10 ) XXXX-Inquiry from XX/XX/XXXX 11 ) XXXX-Inquiry from XX/XX/XXXX 12 ) XXXX-Inquiry from XX/XX/XXXX 13 ) XXXX-Inquiry from XX/XX/XXXX 14 ) XXXX & XXXX/XXXX-Inquiry from XX/XX/XXXX 15 ) XXXX XXXX-Inquiry from XX/XX/XXXX 16 ) XXXX/XXXX-Inquiry from XX/XX/XXXX 17 ) XXXX-Inquiry from XX/XX/XXXX 18 ) XXXX-Inquiry from XX/XX/XXXX 19 ) XXXX XXXXInquiry from XX/XX/XXXX XXXX ) XXXX  XXXX-Inquiry from XX/XX/XXXX XXXX ) XXXX   XXXX-Inquiry from XX/XX/XXXX XXXX ) XXXX  XXXX-Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-02-18
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. (FL)

Hey I really think something is wrong here I recently checked my credit report and Im continuously seeing inaccurate and inconsistent information on this account and Im just requesting for you to please take some time to look into these inaccuracies please. I do understand stand that you have 30 days to reply I really look to hear from you
Consumer complaint received 2022-12-17
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. (AL)

XXXX XXXX XXXX XXXX XXXX failed to provide documentation due to it's have the wrong social security on file does not have state identity card number by government law wrong personal use my personal information with a different social security number these should be removed off my credit report should not be reported no more
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

Chase closed my credit card account on XXXX In the letter Chase sent to me, they claimed they closed my account because of 'suspicious activities. ' I contacted Chase by phone and in person to find out what suspicious activities were, but they said it is confidential and they can not tell me the details. I also said additional information can be provided if they suspected any activities on my card, but they refused. I used that card to shop on XXXX and all transactions can be tracked, so I'm not sure what kind of suspicious activities could be.
Consumer complaint received 2018-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I am being charged by XXXX XXXX XXXX XXXX for services I never received. My coverage was supposed to be canceled XX/XX/2014. XXXX is stating that they canceled me on XX/XX/2014. I never reported any claims or received any services from XXXX to XXXX. I was under the assumption that my coverage was canceled since XXXX.
Consumer complaint received 2023-05-23
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: ERC (CA)

In XXXX of 2021 I notified the companies of the inaccuracy. After being notified of my credit score in XXXX, I again notified the companies of the inaccurate accounts, it is still reporting as of XXXX XXXX.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My card was closed in XX/XX/2018 when I had trouble making the payments after being laid off. I was told that the card was cancelled and that it couldn't be used anymore nor could it be reinstated. I have been paying {$100.00} a month to get it paid off and be done with it even though the payment was only {$30.00}. Today, I find out that they have been charging me a {$39.00} membership fee for the past 5 years and they said my card wasn't cancelled, it was restricted which means that the card can not be used or every opened again even if the balance is paid in full. To me cancelled and restricted sound exactly the same except for with it being restricted, they are allowed to charge me a membership fee with no benefits. They couldnt tell me what the membership benefits were when I asked. They also have never sent me a new card because the expiration date doesn't matter as the card can't be used. Again, that sounds like it is cancelled and they are just using semantics to charge me more money so I can never get this card paid off even though I have been paying extra for almost 6 years. If this isn't a case of UDAP, I don't know what is. This is an unfair and deceptive practice to get more money put of me that I do not owe. Why would anyone in their right mind, think their account was still open when they were told that the card was cancelled and could no longer be used except to pay off thr remaining balance? They have charged me an additional {$170.00} for a membership that has no benefits. I do not get a bill since the account was closed and I had set up automatic payment each month. It never showed online that they were charging me {$39.00} a year that I saw anywhere. I would like to have this money refunded back to my balance so I only have about {$500.00} left to pay instead of the almost {$800.00}. No one at any time ever mentioned that they considered my account restricted and that I had to pay a membership for a card that could not be used. I was also told that they report to the credit bureaus that my account is open with an available balance to use which is a lie. I have no available balance which means they are violating the equal credit opertunity act by reporting my account inaccurately. Please fix this so the membership fees are credited back to my account. I have been paying it off in good faith for almost 6 years thinking the account had been closed as I was told at the time. Any assistance you can provide would be greatly appreciated.
Consumer complaint received 2022-12-19
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.