davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have asked both XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my XXXX  report, and possibly all of my credit reports XXXX XXXX  and Experian )! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of XXXX XXXX XXXX XXXX XXXX?

It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!
Consumer complaint received 2021-06-19
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the Theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion reported inaccurate information on my credit report provided to them by a collection agency. I disputed the collection through Transunion stating the information was inaccurate. They did not properly investigate and they left the false information on my credit report. 
If Transunion would have requested proof of the debt before placing it on my credit report, they would have seen it was false. Its my understanding that not only a creditor but the credit monitoring companies have a responsibility to report accurate information and investigate disputes by verifying that information. 
The collection report filed by XXXX XXXX XXXX is set for deletion, although if Transunion would have investigated the dispute properly this collection would never have appeared on my credit report in the first place. 
Transunion had a responsibility during my dispute to investigate for accuracy and failed to do so.
Consumer complaint received 2020-04-07
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)

on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/2013 by XXXX XXXX Consumer Education Specialist, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees. 
If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( XXXX ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.
Consumer complaint received 2021-06-19
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: DISCOVER BANK (OH)

Booking # XXXX : XXXX cancelled the outbound flight from XXXX and reissued outbound from XXXX, 60 KM/40 miles away and three hours earlier (!!! ), a significant and unreasonable itinerary change. 

Discover Card was tricked by XXXX inaccurate documents and dispute # XXXX was prematurely closed without action. Dispute was also deleted from customer online portal, precluding upload of supporting documents. 

Pursuant to " Enhancing Airline Passenger Protections '', 76 Fed. Reg. 23110-01, at 23129 ( Apr. 25, 2011 ) and 49 U.S.C. 41712, as well as European Union Regulation EC 261/2004, please kindly REFUND original airfare for {$680.00} to the original form of payment ending in XXXX
Consumer complaint received 2020-04-07
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: EQUIFAX, INC. (MI)

I went into the dealership XXXX XXXX in XXXX XXXX Michigan to purchase a vehicle on XX/XX/2019. I already had pre-approved financing. I told that to my sells person I advised him in the beginning that i only wanted my credit ran through the bank that had approved me. At that point thats all that was done. Well come XXXX XXXX I get hits through my credit bureaus that my credit had been ran through 5-6 creditors while Im sitting home heading up to the dealership to pick up my vehicle and i never gave permission for my credit to be ran. Then come to find out they ran my credit as a co-signer to someone I dont even know. Ive called several times and it still hasnt been resolved and its still on my credit report till this day. They even ran my name with the finance company who had already approved me twice now its showing 2 inquiries for the same company
Consumer complaint received 2020-04-07
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. (MI)

I went into the dealership XXXX XXXX in XXXX XXXX Michigan to purchase a vehicle on XX/XX/2019. I already had pre-approved financing. I told that to my sells person I advised him in the beginning that i only wanted my credit ran through the bank that had approved me. At that point thats all that was done. Well come XXXX XXXX I get hits through my credit bureaus that my credit had been ran through 5-6 creditors while Im sitting home heading up to the dealership to pick up my vehicle and i never gave permission for my credit to be ran. Then come to find out they ran my credit as a co-signer to someone I dont even know. Ive called several times and it still hasnt been resolved and its still on my credit report till this day. They even ran my name with the finance company who had already approved me twice now its showing 2 inquiries for the same company
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

I have asked both XXXX, XXXX, and Comenity ( New York & Co ) to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my XXXX  report, and possibly all of my credit reports ( XXXX  and XXXX  XXXX! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of XXXX/Comenity New York and Co? 
It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!
Consumer complaint received 2021-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC (TX)

Sequim Asset Solutions is trying to collect on a debt that is not owed, and removed with the original Creditor XXXX 
I received written communication from XXXX that confirms it was erroneous sent information to SEQUIM and they are illegally trying to collect on a debt NOT OWED. 
It is still reporting on my credit report as a collection and needs to be removed Immediately. In addition they are reporting the account was opened in XX/XX/2020, which is also incorrect.
Consumer complaint received 2020-04-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (CA)

I made TWO TRANSFERS to my account in another country and the money never arrived. First the company tells me that there was a typo in my account number, a second attendant told me that there was no mistake and that everything was fine, but they did not know the reason why the money did not reach my destination account. I contacted the company three times to resolve and each time I stayed in the queue for more than 12 hours. I was promised to investigate the case and return in 24 hours. That was 5 days ago.
Consumer complaint received 2020-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Back in XXXX of 2020 an account XXXX XXXX and XXXX was deleted. But has been reinsurted as a new account in and around XXXX, XXXX 2020. This is a violation of FCRA rules. 

Please see attachment ; I believe that XXXX XXXX XXXX and XXXX original creditor : XXXX XXXX XXXX XXXX with a balance of {$1.00}, XXXX was reinserted intentionally to hurt and damage my credit score and profile. This is a violation of FCRA rules and regulations of the FDCPA.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (LA)

In XX/XX/2020 I found an online shopping site named " XXXX '' I found this site using XXXX 's search engine. 
My initial search was for a woman 's bike. 
I found what I believed was a lucky break after spotting a woman 's 26 '' bike for XXXX bucks. 
I placed the order using my XXXX account at checkout. 
I noticed something unusual when I didn't receive the normal order confirmation email which all online companies are required. 
I did however receive a receipt from XXXX. 
Because of my skeptisum I returned to the site attempting to contact customer service support. 
That's when things really began to look suspicious. 
The site provided a way for customers to contact the merchant via phone and email. The phone number provided by the company is non active. 
The email contact page doesn't allow the messages to send through. 
My XXXX receipt shows a tracking ( XXXX  ) On the day of delivery I monitored my livingroom window all day. 
I contacted ( XXXX  ) who informed me that the package had been delivered to an address not mine and was signed for by a man. 
I was then prompted to reach out to the seller whom I already knew could not be reached. 
I did inform my debit card issuer : AMEX. 
Filed a dispute for investigation and was given a 45 day total XX/XX/2020 of when I should expect to receive the determination of my refund being credited to mine account. 
I am past that date and AMEX dispute department is avoiding me. I can no longer reach a live agent. 

At this stance AMEX has convinced me that the possibility of the dispute supervisors may have either stolen the refund or perhaps may be involved in the cyber criminal website fraudulent scams. 
There is also another dispute I filed for a transaction with a different online site : " XXXX XXXX '' I have also cooperated in uploading all requested/required documents but again AMEX is not being cooperative. 
It's quite mysterious as to how I'm allowed to file the disputes and provide proof of the transactions and me not having the merchandise then when it's time to be refunded AMEX disappears. 
I have uploaded plenty proof of purchase and proof of transactions. 
I am owed a total of {$88.00} from these companies. 
I live in poverty and this is wrong on so many levels. 
These folks have no morals what so ever but being poor I am judged daily. 
Who is going to Jude these thieves??
Consumer complaint received 2020-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (TX)

Amcol has a collection of {$270.00} on all three credit reporting agencies that is not mine. I have sent letters requesting supporting document since XX/XX/2019. To date they have not provided me with any documentation f have ignored my requests. I am requesting that this be removed from all 3 credit reporting agencies.
Consumer complaint received 2020-04-07
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. (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven`t received any investigation results.
Consumer complaint received 2020-03-12
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: EQUIFAX, INC. (TX)

ftc violation XXXX  XXXX, XXXX  XXXX, U S Department of Education, XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Dear XXXX XXXX I looked over my credit report and I see accounts that dont belong to me and I believe them to fraudulent XXXXXXXX XXXX account number XXXX XXXX XXXX Bank XXXX I also notice these names our not mine XXXX XXXX XXXX and XXXX XXXX My name is XXXX XXXX Also these addresses are not mine either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I have one address and these are not it. Also these numbers are not mine either XXXX, XXXX these are not my numbers I have one number
Consumer complaint received 2020-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

Mr. Cooper Home loans only has two options for covid-19 forbearance programs, both of which are setting all of us up to fail. One is a 90 day deferment with a balloon payment on day 91. Two is they decide how to divide up my 90 day amount and deck it onto my monthly payments. I would like to tack the 90 days at the tail end of my 30 year mortgage, but that is not an option with them. They are backed by XXXX XXXX and XXXX XXXX. I told them I lost my job due to covid-19, I was furloughed until XX/XX/XXXX then the company will revisit the situation before we can go back to work. Unemployment is giving me less than half of what I made and I am unable to contact anyone in the office. South Carolina unemployment has either a recording on coming the caller that they must call back at a later time or it is a busy signal.
Consumer complaint received 2020-04-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}.

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.

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.
Consumer complaint received 2020-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc. (TX)

There is a collection of {$400.00} from Mars Inc all all three credit bureausXXXX, XXXX   and XXXX. I do not know what this is for. I have sent several letters beginning In .XX/XX/2019 asking Mars to provide supporting documentation proving this is my debt and if not able to do that to please remove XXXX  from all three credit reporting agencies To date they have ignored my requests and not responded to any of my letters.
Consumer complaint received 2021-06-20
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: EQUIFAX, INC. (NJ)

On XX/XX/XXXX an old close, settled and removed XXXX  XXXX account was Re-inserted on my Equifax Credit Report. That account was on XX/XX/XXXX and XXXX XXXX had sold the account to a collection company without report that to the credit bureaus which illegal by the FCRA and the FDCPA. Fast forward XX/XX/XXXX when i contacted XXXX XXXX concerning that account they had told that they wasn't holding the account anymore and had referred me to a collection company named XXXX XXXX XXXX. On XX/XX/XXXX i had got in touch with the collection company " XXXX XXXX XXXX '' and they had offered me settlement deal for an amount less than the charge-off amount. The original charge off amount was {$210.00} and the collection company had accepted {$89.00} from me in exchange to settle the account and remove the account from all the credit. As a pay for deletion settlement After i had received my confirmation letter from the collection company in about 2 weeks after my payment i notified Equifax about the settlement via a dispute. On XX/XX/XXXX that XXXX  XXXX account was removed from my Equifax credit file On XXXX XXXX without my consent, my knowledge, my agreement nor my signature that same old closed, settled, and removed account was illegally and unlawfully reported and RE-INSERETED on my Equifax credit report with inaccurate address, inaccurate status date, inaccurate payment status, inaccurate past due amount, and inaccurate balance. Due to the Re-insertion of this inaccurate account on my credit report XXXX  XXXX has violate my RIGHTS, DEFAMATE MY CHARACTER in the eyes of other lenders and financial institution and also has damaged my credit because my credit score had drop drastically by 75 point. and now my credit score went from VERY GOO to FAIR.
Consumer complaint received 2019-04-16
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. (SC)

I have several late payments reporting on my credit reports that are incorrect. I have late payments reporting sporadically from years XXXX and XXXX. I tried fixing the problem but XXXX XXXX is no longer my loan services. I also was informed that the company has filed bankruptcy and I do not know how to contact XXXX XXXX financial to have my credit reports updated and corrected
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (GA)

Approximately two weeks ago, after my spouse left I discovered that a Chase account was opened by my spouse, in my name. I immediately called Chase to report the situation as well as report the card in my name was missing. My spouse had named himself as an authorized user on the account. It took over two hours before I was able to speak with a customer service representative. At that time, I also requested that any online access for the account to be reset. Due to that request, I was passed around from representative to representative for almost three additional hours before I was disconnected. 

I have tried to reset the account myself online, but the phone number and email address listed as security verification for the account have not been valid since 2010. Therefore, I can not access the account online. I have since called Chase four times trying to get this issue resolved. I have been passed along from representative to representative, held for multiple hours, been told that it could not be done, and then disconnected each and every time. 

I am trying to simply gain access to the account in my name and on my credit report, but can not get assistance from Chase customer service representatives. Can you please have my online access deleted so I can start fresh with the correct email address and cell phone number so I can get statements and figure out what is going on with this account?