davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
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. (PA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ( Original Creditor : XXXX XXXX UT XXXX XXXX Balance Owed : {$2800.00}.
Consumer complaint received 2017-07-28
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)

As of about XX/XX/XXXX, I have been disputeing the inaccurate information on my XXXX, XXXX and Equifax credit reports, it 's been 5 months now and to date, I have 4 items removed, I have hand written all dispute letters and I have nortorized them all, a total of 4 letters, and have waited each time for their response, so I can respond, but all I receive is a report stating the have been verified through the furnisher, but all the original creditor can provide is an account statement, I ask Everytime for them to please send me the original, or a copy of the original document that was signed to open this account with my signature on it, that they are required to have on file, neither the beaures or creditors have this on file, a account statement is unacceptable, that is not proof it is mine, I have recently filed a complaint with the ftc, and I have XXXX  XXXX helping now, but this is a drawn out war, I do understand they are private organization but need to be better regulated
Consumer complaint received 2019-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

This debt is not mine. I have managed to remove the debt from XXXX and XXXX. However, XXXX  will not allow me to keep disputing the amount. I have tried to tell the company that it is not my debt, but it has become a nightmare.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX I made an online XXXX XXXXXXXX order for {$35.00}. I have my paypal account linked to my online XXXX  XXXX account. I made the transaction but the website stalled and kept spinning. I got a text message saying my card was charged but I never got a confirmation email from XXXX  XXXX for my order nor is it in my order history. The webpage just kept spinning like it was frozen. So on XX/XX/XXXX I went to XXXX XXXX and explained and they have no history of my online XX/XX/XXXX order. Paypal denied my case saying the order was successful but it was not. I have no receipt, XXXX XXXX has nothing and it seems like PayPal didn't even contact XXXX XXXX to confirm that there is no order at all. I called them XXXX about my case and on XXXX my case was denied.
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION (NY)

I received a call from Navy Federal Credit Union in regards to making a payment on my account. The reason I was unable to make the payment was because Navy Federal Credit Union restricted my account and I'm unable to make payments which is unfair to I, the consumer. They accused me of fraud when all I did is help my family members and friends apply for their credit products. The reason why federal credit unions were put in place under the Federal Credit Union Act were to help people who are unable to receive credit from banks. There is a large amount of the minority population that do not understand this. As an informed consumer, I know my rights and did nothing but help my people who were in need. Your money is from the federal reserve and is reserved for me. They also restricted my credit cards so they have the accounts open and I can't even use them. They are charging me interest on cards that I can't use. They also held my money and gave me no way to access the funds as all of my cards are restricted. So in order to make the payment, I would have to call them every time to do so. Under truth and lending, 15usc1666b ( a ) " a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the due date. '' I have never received no documentation from navy federal and if they claimed to have delivered it online, I had no access to this document, therefore it wasn't delivered to me. The late payment is on the date of XX/XX/2022. I spoke to a manager from XXXX XXXX named XXXX and she claimed to say they had a confusion of my address on file. I have proof that they do have my address on file, because the recently sent a bank statement to me with the money that they've been holding. She also didn't give me information that I could dispute the late payment with the creditor directly which is a violation of the Fair Credit Reporting Act. My account was restricted, my credit cards remained opened and unable to be utilized. There are more violations that were violated but I don't need to list all of them. I will attach proof that they do have my address on file and did not deliver the documents necessary to put a late payment on my report and well as proof of the account being restricted so I'm unable to access any digital documents delivered 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have called and wrote Experian that they need to fix old student loan accounts as these account have been consolidated. I supplied the data ; however, they refuse to fix.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX Last reported : XX/XX/2019 {$13000.00} THIS ACCOUNT WAS PAID IN FULL TO A XXXX BALANCE.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (IL)

I am writing to complain to FREEDOM MORTGAGE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1974. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NV)

As of XX/XX/2023 received a letter form Wells Fargo informing me of identity theft protection. A award amount was awarded but upon further investigations I discovered that over 10 different accounts were made without my consent. Two different business accounts, Home owner 's insurance policies, and checking and savings accounts. All by the same employee that was fired for wire tapping. Working with XXXX a Wells Fargo reference number for claim is # XXXX
Consumer complaint received 2024-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (IL)

On XXXX, I mailed a cashiers check to Fay Servicing for the amount requested in a demand letter dated XXXX. Fay Servicing is refusing to credit the funds to the account, even though they received the funds as demanded in the demand letter.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

Today, XX/XX/XXXX I tried to transfer XXXX American Express Membership Rewards points to Flying Blue, an official partner of American Express. This transfer would not go through and I received a fraud protection alert email from American Express. When I contacted American Express, as they requested in the email, I was told the transfer was " flagged '' and that my account was frozen. I was told that I would have to wait 6 to 8 weeks for my account freeze to be resolved and that there was not a person that I could speak with from that " department ''. That is unacceptable. 

I have 4 different American Express Gold business accounts and I personal American Express account. I have been an American Express customer since XX/XX/XXXX. I have over XXXX membership rewards points and I'm trying to use XXXX of them. Less than 10 %. I'm finally trying to use the awards points I've accumulated over the last 5 years to take my family to XXXX. My flights are on hold but XXXX XXXX won't hold them 6 to 8 weeks. 

American Express representatives ( I spoke with 3 ) claim there is no fraud department I can talk to about this issue. I offered to provide proof the points are transferring to my account but they claim there is no one to speak with. 

I feel that this is a dishonest business practice. You can't offer rewards points to your customers and then block them from using the points with an approved American Express partner.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southern Auto Finance Co (FL)

I have disputed this account which had been paid and it 's still showing in collection/charge off and negatively impacting my credit with XXXX. Account have been deleted with XXXX and XXXX but not with XXXX which is still pinging negative every month. Account have been settled since XXXX and account have been reporting almost 7 years which too old to still be affecting.
Consumer complaint received 2017-10-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NE)

On XXXX/XXXX/XXXX I sent the company two letters demanding validation of the debts they are attempting to collect. The accounts are reflecting poorly on my credit report but I am not familiar with the original creditors, the balances being demanded, or the account opening dates. The company has failed to respond to my attempts to verify the debts but are still reporting the unverified information on my credit reports.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$13000.00}
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax has remodeled their website since I created my personal account in order to initiate a freeze. The result is that all my all my old account information was literally discarded, but the freeze was kept in place. After hours of customer support from Equifax I was finally told that I need to create a NEW account in order to access my old account. After close to two months of repeated attempts to create this new account I am repeatedly defeated with the following Equifax server error : " We are temporarily unable to connect to our services Please try again later '' Equifax has remodeled their website since I created my personal account in 2017 in order to initiate a freeze. The result is that all my all my old account information was literally discarded, but the freeze was kept in place. After hours of customer support from Equifax I was finally told that I need to create a NEW account in order to access my old account. After close to two months of repeated attempts to create this new account I am always defeated with the following Equifax server error : " We are temporarily unable to connect to our services Please try again later '' Hours upon hours of time on the phone have resulted with repeated incompetence from their support staff and promises to send me emails with shortcuts and special access in order to complete this project. NONE of those emails have ever arrived and none of them show up in my spam filters. The result is that I now have a freeze that can not be unfrozen. This is problematic in that the Social Security Administration uses, specifically, Equifax in order to authenticate who I am so that I can create an online account with them. SSA can't verify who I am because Equifax has my account frozen. I can't unfreeze my Equifax account because Equifax won't allow me to create an account the will provide me with access to that freeze.
Consumer complaint received 2023-05-23
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-13
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 (CA)

In XX/XX/XXXX, I contacted Discover because there were two charges from a company called XXXX XXXX XXXX totaling approximately {$8000.00}. The first purchase ( approximately {$6600.00} ) was made around XX/XX/XXXX, and the second ( roughly {$1500.00} ) was made the first week of XXXX. When I saw the charges, I immediately contacted Discover and filed a fraud dispute. I filed a police report as instructed and sent all the required documents. I also attempted several times to contact the merchant. I called more than ten times. I also sent emails. The company has yet to respond to or respond to my emails. Finally, I was informed in XX/XX/XXXX to file a billing dispute. So I did. Around this time, Discover provided temporary credit over three times and reversed it. It has been over eight months since the initial fraud filing, and Discover has provided me with no assistance. Recently, Discover reversed the credit they provided, and I am still waiting for a clear answer. I was informed in XX/XX/XXXX the last credit I received would probably be finalized because the merchant had yet to respond or provide proof of delivery. I do not understand or know what happened between XXXX when I was informed the temporary credit would likely be final and XXXX of XXXX. This has been eight months of emotional hell. I feel scammed by whoever used my credit card and by Discover. Discover has not protected me financially and mentally. I spoke with XXXX on Saturday, XX/XX/XXXX, from XXXX at Discover, and even she saw inconsistency in the investigation and noted it. All of this has exacerbated my health issue..
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NE)

I applied for the Delta Gold Amex card on XX/XX/XXXX17 with a promise of XXXX Delta miles and {$50.00} statement credit for Delta purchases after the card is approved and {$3000.00} spend is completed. The requirement for the bonus has been completed over 12 weeks and the miles have not been posted to my Delta account or even the {$50.00} statement credit did not post to my account after a Delta purchase. I opened a case with them 8 weeks back and they keep saying that they know of the issue and are still researching it.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have contacted Experian several times over the course of the last 3 months. Via phone and online, I have also filed numerous investigations in written for 3 accounts XXXX XXXX XXXX XXXX and XXXX XXXX, send certified returned receipt. The dispute came back as Verified, Accurate and updated but there is a BIG PROBLEM with the payment history all 3 accounts showing wrong payment history. XXXX XXXX shows my last payment on XXXX XXXX as my last payment, XXXX shows my last payment as XXXX XXXX and XXXX XXXX shows my last payment as XXXX XXXX. On XXXX all my account was still in GOOD STANDING with those companies, my account went to collection after I went overseas for several months and it was not in XXXX. I have also requested Experian to supply written proof of my payment history and they have not provided the information requested. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this accounts that you are reporting in my report. Please do n't respond to my request by saying that these accounts have been Verified, Accurate and updated. Please be advised that Under Section 611 ( 5 ) ( A ) ( i ). Of the FCRA by publishing these INACCURATE and UNVERIFIED items on my credit report and distributing them to 3rd Parties you are damaging my reputation and credit worthiness. You are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau, the Better business bureau and the State Attorney General 's Office. They will also be submitted as evidence in pending litigation provided if you fail to comply ; I Already contacted the law Office of XXXX XXXX, XXXX. About this case All information reporting on my credit report got to be 100 % Accurate per FCRA. 
CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETED INACCURATE, INCOMPLETE, or UNVERIFIABLE INFORAMTION. 
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
First Dispute was on XXXX/XXXX/XXXX Second Dispute was on XXXX/XXXX/XXXX Third dispute was on XXXX/XXXX/XXXX.
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TX)

I looked at my credit report. It says I have a {$7000.00} credit card with Wells Fargo. I never applied and was never told accepted. I dont have any information about this in my emails.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing trying to get some clarification on my student loan. I have filed a complaint but still to no avail. I took out 2 student loans in 2008. Every time XXXX distributes money for my semester it shows as a new open account on my credit reports. My score just went down XXXX points in XXXX for a disbursement. Why do I have individual accounts on my credit report and I only have 2 loans. Is this legal? It is like double dipping. I look like I have 17 separate accounts and 2 original loan amounts. I need this to be corrected. I only have original documentation for the 2 loans. I also need my points back on my credit reports. Trans Union and XXXX.