davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
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. (NY)

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX  XXXX XXXX DEPTEDXXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (GA)

Bought a washer and drier at Home Depot in XXXX of XXXX. Was told to get a Home Depot credit card to take advantage of 0 % interest for 18 months. I directly asked and it was directly related to me that there was no interest charge and would be no interest charged until after 18 months. At no time was it related to me by the store representative that the account was for " deferred interest '' and that interest was in fact accruing the entire period at an onerous 30 %. As I utilize online banking and autopay my card I had no reason to go online and see interest payment on my account until I logged on in XXXX of XXXX when I had money pay off the cards remaining balance in full. I was quite enraged to find that my balance was not the {$600.00} i expected but rather some {$1200.00} after being charged {$650.00} in Deferred Interest! If I would have known this was occurring or would occur I like would have never opened the account to begin with or would have most certainly paid off the card immediately. Now I am being charged {$650.00} dollars in interest for a {$1000.00} washer and dryer. Please help!
Consumer complaint received 2020-03-30
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. (CA)

Please DELETE and and all of the FOLLOWING NOT COMPLIANTLY or NOT PROVEN COMPLIANT REPORTING ACCUSATIONS or any DEROGATORY or adverse aspects of the accounts listed below
Consumer complaint received 2020-03-30
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as possible.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I received a mail XX/XX/20, said the bank decided to end their relationship with me and closed all my accounts include checking and credit cards. They didn't give me any reason why they did that. I called the customer service, waited 2 hours they still said there is no reason and they can't do anything for it. I always pay my bill on time, never have late payments, never do anything risk. I am really confused why they do that, Chase really hurts the customer.
Consumer complaint received 2020-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

There is a medical collection against me for {$0.00} dollars and it went into the credit bureu and it had a negative impacted my credit. i tried Fixing it with a dispute but its still there and the debt has been payed so I dont know why it even went into collections
Consumer complaint received 2020-04-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Aspen National Financial, Inc. (GA)

I paid for the timeshare in full with a check dated XX/XX/XXXX for the amount of $ XXXX and was told that the maintenance fees would average around $ XXXX {$400.00} at the time of signing the mortgage. The company sent me invoices for varying amounts between {$87.00} and {$1200.00} after it was paid in full. I made a payment and contacted the XXXX XXXX XXXX that handled the account to inquire what the differing charges pertained to and got no clarification. The customer service representative I spoke with over the phone restated the lines on the invoice ; no one could explain what the charges were for and it is not disclosed on the contract. I paid the mortgage off earlier than I requested and XXXX ( XXXX XXXX XXXX ) the timeshare exchange provider also charged me to " renew '' exchange privileges to use another resort. My payment of {$9200.00} included purchase of two bedroom timeshare and exchange fees until the date of XX/XX/XXXX but the company reported my account to a collection agency and my credit for the unexplained {$1200.00}. I have contacted Florida Attorney General Consumer Protection, XXXX XXXX at ( XXXX ) XXXX. The office informed me they were investigating under FL Statute Chapter 501, Part II, known as Florida 's Unfair and Deceptive Trade Practices Act on a letter date XX/XX/XXXX. I am a XXXX veteran and I would like to re-enter the workforce ; actually it is necessary but I wish to have this removed from my credit and all of my money returned. It is a great hardship to wait for a class action suit that the state may or may not have enough complaints to proceed with in the future. I wanted to keep the timeshare, but they refused to explain the excessive amount despite my patient requests and them reporting to credit bureaus negatively impacts my already limited employment options due to my service-connected XXXX. I signed the mortgage XX/XX/XXXX for 5 years but paid it in-full XX/XX/XXXX and they never reported anything good. They also stated my maintenance fees would average around the cash settlement fees in the contract once I finished the mortgage. I am a Georgia resident and a XXXX XXXX XXXX isn't worth {$1200.00} annual payments. I never would have purchased this if it was clearly represented in the contract and not misinformed by their representatives.
Consumer complaint received 2020-03-30
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. (NY)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX  XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX
Consumer complaint received 2021-10-18
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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (CA)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MS)

I received a letter from PHEAA/Department of Education that I needed to wait 4 weeks before filing my taxes to ensure that the tax offset would be removed. I waited 6 weeks my taxes were still offset their office informed me that it was removed however the Bureau of Fiscal Services said it was not because it is electronic and the system updates every 24 hours. I believe that they never removed the offset and are refusing to take ownership that they made a mistake causing me significant financial difficulty. Even when I informed them that the offset wasn't removed they did not follow up or resubmit the request. Something needs to be done because this is not my fault and I'm paying the price.
Consumer complaint received 2021-03-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

With my identity there has been fraudulent activity going on. I noticed some Inquiries and some closed accounts that I have no knowledge of reporting on My credit report. The items are now negatively impacting my credit score. I have tried resolving several times and now this is getting ridiculous.Not only is this misrepresenting me but it is also holding me back from moving on from this nightmare.
Consumer complaint received 2020-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

Citizens One Bank is not helping there customers who are furloughed due to vivid 19. There forbearance program defers 3 payments and at the time of your 4th payment you must pay the entire sum back. They are not offering a deference to The back of your loan like many other reputable banks. The whole point of the care act is to help consumers, this is not help in fact it will set up foreclosure for many.
Consumer complaint received 2020-03-30
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. (TX)

A collection bill was sent to an address I have never lived at. It was for something I had never received nor signed up for. When I called the debt collector on the bill XXXX XXXX XXXX ( XXXX XXXX XXXX is the name on the credit report ) all they would tell me is that it was for magazines through XXXX XXXX and that I needed to pay the {$910.00}. I told them I never received any magazines and never signed up for any, and in fact I never even saw a bill for any until this one, that my mother received at her new home which I never lived in ( not to mention I haven't lived in the city they sent it to in over ten years ) and that this was a scam. The Collection agent told me it was a not scam and that it is on my credit and it has to be paid. I can't fathom paying something I have nothing to do with. This is a SCAM, it is FRAUD. They should not be able to do this to people. They have provided zero proof that I ever was involved in whatever fabrication is being made up. At this time I don't know if I need to get an attorney or what the next steps should be to get this removed from my credit, because I refuse to pay something that is fraudulent. 

I disputed with Experian, they said they investigated and it remains but provided no proof or details on what the investigation entailed. They said I can file a complaint with this agency as my next step. I am asking for guidance and help to overcome the fraud being manipulated on me and my family.
Consumer complaint received 2020-03-30
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. (PA)

I am a recent victim of XXXX XXXX. I am a consumer in pursuant of 15 USC 1692-A3. Experian, XXXX and XXXX  are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2020 and accounts are still reporting fraudulently. 

XXXX ACCOUNT # XXXX AMOUNT {$7300.00} XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX ( INQUIRY ) XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX # XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

I created and Experian account to monitor my credit. They started sending too much spam and I decided to cancel my account as I no longer need credit monitoring services from Experian. Their website did not provide an option to cancel it there so I reached out to their customer service via email and they basically said they won't remove my data or account due to an internal policy. Now they are storing my financial data without my consent.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I requested that a few accounts on my credit file be investigated starting XX/XX/XXXX with Experian. When there was no evidence that the investigation has been conducted, I sent two follow up letters on XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Consumer complaint received 2020-03-30
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. (FL)

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to XXXX XXXX  company and they replied they will remove the charge from my account therefore no lateness should be on my report. 

Fraudelant charge shown up in XX/XX/XXXX Late payment date XX/XX/XXXX I uploaded all information like Dl, SSN and statement from XXXX XXXX XXXX I am requesting to remove this lateness from all 3 bureaus as soon as XXXX XXXX  promised.
Consumer complaint received 2020-03-30
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)

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to XXXX XXXX  company and they replied they will remove the charge from my account therefore no lateness should be on my report. 

Fraudelant charge shown up in XX/XX/XXXX Late payment date XX/XX/XXXX I uploaded all information like Dl, SSN and statement from XXXX XXXX  XXXX  I am requesting to remove this lateness from all 3 bureaus as soon as XXXX XXXX  promised.
Consumer complaint received 2021-10-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have file several disputes regarding my credit concerns and items that's inaccurate on my credit report.. I credit bureaus, creditors and collections companies aren't complying with the FCRA. I have sent out several letters asking them to provide proof a validity, make corrections, and or remove inaccurate items they refuse to do so.. I have proof of every letter i sent out..
Consumer complaint received 2021-10-16
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: AMERICAN EXPRESS COMPANY (GA)

I have file several disputes regarding my credit concerns and items that's inaccurate on my credit report.. I credit bureaus, creditors and collections companies aren't complying with the FCRA. I have sent out several letters asking them to provide proof a validity, make corrections, and or remove inaccurate items they refuse to do so.. I have proof of every letter i sent out..