davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

On XX/XX/24 I accessed my Equifax account online to temporarily lift a security freeze. I received an error message so I used the companies telephone system and received confirmation this was completed. After receiving notice from a lender that they still can not access my credit I called and spoke to someone who had me upload my drivers license and a selfie to verify who I was and was advised that the security freeze was actually removed from my account and that my report should be accessible within XXXX hour. the hour came and they still can not access so I have called multiple times since then only to be told different information about what is needed including mailing documents to verify my identity but have been advised they dont send notices outlining what I need to send in if anything. Some agents tell me theres agents speculate that theres an internal block that Equifax has placed but no one can seem to understand how to remove it if that is the case. The thing that was placed by me was the security freeze and I have asked Equifax to please remove any internal freezes or locks that they may have however no one can confirm nor can they remove any type of freezes without sending in information that I have yet to be told what to send. It is baffling that I can remove a security freeze with a simple text message code or by logging into my account but now theres somehow this phantom lock deep within the Equifax system that it cant be removed until I mail in documents that if stolen my whole identity is compromised. I have spent my whole day and have lost financing because of this issue. I am tired of spending 30 minutes in a phone tree only to get to someone who has no clue what theyre talking about and can not help me.
Consumer complaint received 2022-12-24
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. (VA)

In accordance with fair credit reporting act accounts ending # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 U.SC 1681 section 602 A, states l have the right to privacy.

15 U.SC 1681 section 604 A section 2. It also states a consumer reporting agency can not an account without my written instructions
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

I am having issues with missing information on my credit report. I have a XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX OH XXXX. My account is not showing on any of my credit reports.
Consumer complaint received 2020-12-30
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: Avant Credit Corporation (OK)

On XX/XX/XXXX I sent my original dispute to Avant credit card through XXXX XXXX for an unauthorized account being opened in my name. I've been XXXX at XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX  XXXX since XX/XX/XXXX. And I given this company the opportunity to resolve my issues I've sent everything company everything it has asked for except a police Report, I've advised this company that I can not get no police report or even file one because I'm still presently, currently still XXXX  in a XXXX XXXX, will be so until I discharge my XXXX XXXX. Under normal situations I can understand this being needed but due to my being XXXX  can very well been resolved by calling the XXXX XXXX XXXX XXXX records office, providing my name XXXX XXXX # XXXX XXXX number, ask when did I start my XXXX  which was XX/XX/XXXX which could have been easily verified, would've shown it was impossible for me to have opened this account.
Consumer complaint received 2022-12-24
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (IL)

On XX/XX/2022 o contacted Direct Express to issue me a new card due to my old card malfunctioning, I tried 3 days prior to contact Direct Express but couldn't get through to a Live person, finally on XXXX  XX/XX/2022 I did about XXXX XXXX, I waited two days for delivery on my new card it arrived on XXXX  XX/XX/XXXX XXXX when it wouldn't activate I called customer service back and that's when all my problems began, somehow someone got my info my account number, my Social security number, my birthdate, my address along with my IL State id card, I was told on the 6 th of XX/XX/2022 that the new card would arrive in 3 days when I questioned why 3 not 2 I was told due to heavy requests and being around the holidays be patient, when No card arrived I knew I been Scammed, I called customer service immediately and again took me hours to get threw, when o I finally did I was told someone changed my address to XXXX Maryland and had a new debit card sent there and 4 separate ATM withdrawals for a total over {$1600.00} was made from the 9 the of XX/XX/2022 til the 20 the of XXXX I have been issued a total of 7 different ATM Cards of which I can not use due to the FRAUD continuously occuring, Direct Express Customer Service is horrible to deal with and now I'm being treated as if I were the criminal,
Consumer complaint received 2020-03-05
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: U.S. BANCORP (NY)

I would like to make a complaint to U.S Bank Radisson Reward Credit card and its issuer. I have been owning this credit card since XXXX and been paying annual fee {$75.00} every year. When I opened this credit card, I was promised that I would get XXXX renewal hotel bonus points once I have paid {$75.00} annual fee. For year of XXXX, I paid {$75.00} annual fee on XX/XX/XXXX, but I have never received my renewal bonus hotel points. The annual fee is due for XXXX, but I paid my annual fee one month late due to the fact that I didn't receive my credit card statement either by mail or email. 

I have been calling them since late XX/XX/XXXX and early this year, every time when I called their customer service, I was told that they would investigate and get my renewal points back. However, I called and spoke to one customer service representative and two supervisors, I was told that I will NOT get my annual renewal bonus due to being past due for the annual membership fee. When I applied this credit card, I was told that I will get my renewal bonus points as long as I pay my annual fee. 

Also, when I tried to cancel this credit card, I was told that they can cancel my credit card, but I will not get my annual fee back. I was told that it's too late to get my annual fee back, but the fact is that every time when I called, I was told not to worry about my renewal bonus and they will issue my renewal bonus the coming month. If they told me I can't get my renewal bonus in late XXXX or XXXX, I would just go ahead to cancel this credit card at that time. I think they have been cheating, making false promise and having me to wait months after months. 

I have owned several credits cards from different banks or issuers, I believe U.S Bank is the only bank that try to do everything including cheating and fraud practice to gain at the expense of customer 's loss. In this case, I got nothing for having paid U.S. Bank {$75.00} renewal fee. I can't get my annual fee back even if I would like to cancel this credit card. 

I would like the help from your agency to help get my renewal bonus points back or get my annual fee back if they can't give me any renewal bonus points.
Consumer complaint received 2020-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

In 2012 I took out {$9500.00} in student loans from myfedloan.com for XXXX XXXX. since then I have been paying them back on time every month. Last year I applied for a loan discharge to see if I can get the remainder of my student loans forgiven because my school was shut down by the government for fraud and my " degree '' is a joke. While the department of education was reviewing my case they decided to start refunding me the money I had paid to myfedloan. I called myfedloan and explained to them what was happening and they said not to make any more payments to them because it would just get sent back to me. The department of education denied my case for forgiveness after all but they are still sending me back money I paid already to their loan servicer. I am so confused by this whole situation I dont know what  to do anymore.
Consumer complaint received 2022-12-24
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$35.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-03-05
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)

The U.S. Department of Justice ( DOJ ) filed the actions on behalf of the FTC. In both of these cases, XXXX and XXXX violated consumers ' privacy by calling people who specifically had asked these companies not to call them again, said FTC Chairman XXXX XXXX. 

XXXX  XXXX  XXXX XXXX  bill
Consumer complaint received 2024-02-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC (CA)

I am a fusrt time home buyer that closed on my property XX/XX/2023. I originally signed a closing document to close on XX/XX/2023 and first payment date XX/XX/2023 due to underwriting and broker delays I was given a new contract to sign with closing date XX/XX/XXXX and first payment date XX/XX/2023. United Wholesale mortgage is still keeping furst payment date of XXXX putting me behind on mortgage, I have had my credit ruined, multiples defaults, threats of foreclosure, and now i am in financial duress and unable to refinance. I have spoken and kept a papertrail of emails that i have sent to the research department, XXXX at Corporate office and XXXX in the servicing department. I have provided multiple copies of the Information and they refuse to acknowledge the issue and continue to hold escrow overage money and keep my account in deliquent status.
Consumer complaint received 2020-12-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NY)

since XX/XX/XXXX i have sent letters to verify my supposed collection that is only being reported to XXXX. in my last letter dated XX/XX/XXXX i have attached proof of my account summary from XXXX  showing i dont have collections being reported.
Consumer complaint received 2020-03-05
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. (VA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}. 
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 XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Consumer complaint received 2020-12-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

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 ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$10000.00} -This is not my account.
Consumer complaint received 2018-01-10
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. (GA)

In XXXX 2017 I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (IL)

The complaint numbers above are all regarding the same case and order number. 
Complaint # XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Order # XXXX On XX/XX/XXXX and XX/XX/2022, I received letters from CapitalOne/Neiman Marcus stating that my case is closed as they have credited my account in XXXX for {$2300.00} and issued a credit in the amount of {$210.00} for a total balance for the item purchased and paid for {$2600.00} and stated they consider the matter closed. I received a letter dated XX/XX/XXXX, that referred to the letters dated XX/XX/2022. 

My problem is no one, when I call seems to be unable to address any of my questions. Instead of having a direct point person you can work with, you get a new person every time you call. You must explain the situation again, and in the end, the representative is unable to answer questions or do anything. 

None of the correspondence received from CapitalOne/Neiman Marcus answers any of the questions I presented in my complaints to CapitalOne/Neiman Marcus or the CFPB XXXX 

I want the answer to the following addressed : 1. What is going to happen once Neiman Marcus exchange the product out in XX/XX/2022? I can see this becoming a big mess again because Neiman Marcus is going to handle the exchanged item as a new purchase ; I will receive a bill stating that I owe them, and this circus gets repeated. 

2. What about all of the credits due me from Neiman Marcus? Submitted proof of the credits to CapitalOne/Neiman Marcus back on XX/XX/2022, and again on XX/XX/2022. 

None of my statements reflect the credits that Neiman Marcus stated they were giving me. The credits were issued to the old account number ending in XXXX and are still not reflected on my new account ending in XXXX. XXXX Neiman Marcus be issuing me a check for credits? 

XXXX. I was told that I was going to receive a check in the amount of {$5200.00} ( XXXX XXXX ) ; then I was told I would be receiving a check in the amount of {$2600.00}, ( XXXX XXXX ) and lastly, I was told that my account would be credited the {$2600.00} ( XXXX XXXX ). Currently, my account is at a {$0.00} balance. 

I believe the account should indicate a credit of {$2600.00}. Once the item has been exchanged, the account should equal out, and a statement is not generated requesting payment which could impact my credit report and XXXX having to go back through this same issue again.
Consumer complaint received 2020-12-30
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

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 ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2012 with a balance of {$10000.00} -This is not my account.
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (TX)

I am feeling really ignored of my disputes from the bureaus I mailed out my letters certified on XX/XX/2020 to this date XX/XX/2020 it has been over 60 days I know I have yet to receive anything back stating they investigated the misleading unverified information that is on my credit profile. I just need this information looked into updated and/or removed. Thank you for prompt responses to my issues.
Consumer complaint received 2020-03-05
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 have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no means of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2022-12-24
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$35.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX RUE XXXX XXXX XXXX GA XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-01-12
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 (AZ)

I have an Amex account reporting as a balance- effecting debt to income, which I have NEVER USED, have access to, or am even aware of, that claims Im an authorized user to. I want it removed from my credit as this was not an account I have authorized. I have no desire to use this credit card from Amex