davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
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)

XXXX XXXX XXXX - I am submitting this complaint against XXXX XXXX XXXX XXXX. The account mentioned, has already been deleted from my credit report but it has re-appeared with the same account number, & is reporting negative. The employees I spoke with as far as I can remember were XXXX XXXX XXXX & XXXX XXXX in XXXX XXXX location, they were introduced as representative rather than a salesperson. I have never used this timeshare, but they told us we were making good financial investment, because the resale value would go up, that it was a mortgage that value would go up & we can actually make money from it by renting it out thus earning us rental income. That we can charge friends or family to use the timeshare. They promised things would be positively different each time things got worse. They also said it has some tax benefits similar to owning a 2nd home. They took our ID/personal information. They offered gifts like discounts on tickets, also XXXX offered us XXXX XXXX tickets because his son works there. They told us they needed " corporate '' approval in order to give us the price being offered like I'm being given the privelege of getting this special offer. We felt pressured and rushed when they told us it's our last chance at the lowest price because the offer was not going to be available after that. They didn't even allow us to read and fully understand the contract. I've made phone calls to request for cancellation but obviously it was not cancelled. We've had financial difficulties due to this timeshare, it became harder for us to pay our rent, bills, expenses for food & things for the family. We are stuck financially, a lot of stress in the home because we had to stop doing things we like just so we can pay them. We even lose sleep over the stress caused by this timeshare. It's really difficult because husband is the only one that works & had to miss holidays because of the payment. This timeshare has been very stressful for him. And to make it worse, they're constantly calling us for payments everyday like 2-3 times in a day. We've had the worst experience with this timeshare, the lie about us having exclusivity, the lie about making & saving money. We lost the entire day on this process & have lost so much money in something that we can't even use, we don't have time for vacation, because we need to work & earn money to pay them. We were taken advantage of, defrauded and lied to.
Consumer complaint received 2021-08-02
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)

I reached out to you all on XX/XX/21 about several accounts on my credit that is not mine. I received some letters from the accounts on their and they said that the accounts are verified whatever that means. Can you all please help me with getting these accounts off my credit. Im not getting anywhere with them. Im attached the FTC complaint I made.
Consumer complaint received 2021-08-02
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. (MI)

I have requested in investigation into the inaccurate information being reported on my credit report from a creditor XXXX XXXX. I submitted a request to have the information validated and verified to the Experian and XXXX XX/XX/XXXX and XX/XX/XXXX. Both Experian and XXXX failed to properly investigate and provide me with information regarding their findings. 

XXXX is reporting varying information to both creditors. ( Please see attached documentation of the information they have provided ) they are reporting date account opened to be XX/XX/XXXX with XXXX and XX/XX/XXXX with Experian. Although I have requested this information be investigated on numerous occasions the status of the last date updated with Experian was XX/XX/XXXX. XXXX failed to investigate an or provide me with any information regarding their investigation or findings, yet updated my account on XX/XX/XXXX As of now, I have not received a reply from either data furnisher regarding acknowledgment that an investigation has begun. However, I did manage to pull my credit report and found that the accounts listed above, have not been investigated. Experian is showing an account status of XXXX I requested a verification of debt from the original creditor on XX/XX/XXXX requesting that they substantiate the validity of the debt under my right to Fair Debt Practices act to which they have failed to reply with any information to verify the debt owed to XXXX XXXX
Consumer complaint received 2021-08-02
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. (PA)

On XX/XX/XXXX, credit score XXXX, XX/XX/XXXX, credit Score listed as XXXX. Within that time period and 120 days before, there has been no negative activity reported on my account, no closed accounts, no late payments or collections, no over the limit notifications or instances. No changes whatever that would cause a drop in score, and such a significant drop at that on any of my consumer accounts reporting to Experian. 

When I reached out to Experian to resolve this issue, they stated that 1, they do not generate scores and they advised me to reach out to both FICO and a private credit counselor to explain to me why my score has dropped. Experian 's confirmed that there has been no activity to my account that would cause a drop in score but that they could do nothing about it since they only report the score, not generate the score. 

I am looking for a correction to my credit score along with an explanation as to why the chang ein score without a change to any consumer accounts.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

I am a victim of identity theft and I have submitted a notarized affidavit and police report to Equifax in order to have fraudulent accounts block from my report in accordance with the FCRA 605B. My request was clear but instead of following my request, they decided to ignore it and file a dispute. Please do not dispute. Block this item within 4 days as required by FCRA Attached are mail documents
Consumer complaint received 2021-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

American express is still sending solicitations to my email XXXX. I asked for business credit card with travel benefits for my trip to california and American Express will not approve. I asked not to be contacted if American Express does not want to do business the way i asked. I filed a complaints, asked to be removed from email and mailing lists. filed a opt out with experian to include all my emails and addresses. I also filed a do not market with XXXX for all names and addresses. American Express refuses to listen to my request for a business travel card, yet keeps contacting me. I want to be left alone and i do not want to be contacted unless i am being approved for the Business Travel rewards card.
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

On XX/XX/XXXX I attempted to access my account on Coinbase where I have over {$100000.00}. 
I received a message saying that before I could log on I would need to change my password. The system would not allow me to do so at the time, but finally on XX/XX/XXXX I was able to reset it. However then I received a message that my account had been disabled. When I inquired I received a message saying a specialist would review my case and contact me in 4-5 business days.

Since then my account has been disabled and I have received no further messages from them.
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Home Depot Credit Card, Illegal Action on Account Closed On XX/XX/XXXX, I received a letter ( Not dated ) from XXXX XXXX XXXX, XXXX XXXX, SD XXXX THD/CBNA/ XXXX XXXX stating that the Home Depot Credit Card Account terms would be changed on XX/XX/XXXX. 

I do purchase from XXXX XXXX for house maintenance and repairs. I was induced to get this credit card by a XXXX XXXX personnel based on some discount on purchases. I only used that card on some purchases and stop because it was easy to charge to another card. 

When I received their letter, I did not agree with the changes of terms. On XX/XX/XXXX, I called the number XXXX and closed the account. My wife is witness that because we cancelled both our credit cards. Today, XX/XX/XXXX I am receiving a notice from XXXX  that THD/CBNA still open and that they had lower my credit limit impacting in my credit score report. 

That seems like an illegal financial retaliation from THD/CBNA and fraud because I officially closed this account. A financial institution can not act on closed accounts to lower credit limit or scores.
Consumer complaint received 2021-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IN)

I have been trying to get loan forgiveness on my student loans under PSLF/TEPSLF. I have been working on this since last XXXX, having submitted paperwork at least 3 times. The summary shows that I've made more than 120 payments on each of my loans, but I was not in a qualifying plan for PSLF. That placed me in the TEPSLF program. The latest communication prior to this week ( XX/XX/2021 ) asked for my tax info, in order to meet the requirements for making payments at least as high as the income-based category. I had always made payments at least as my billing statements indicated prior to this communication, but have increased it to $ XXXX/month, based on this. With the COVID loan suspension, plus my resumed payments, I have over 12 months of payments, based on this newly discovered criteria. 

I spoked to someone on t he phone last week ( XXXX  ), who said that everything looked good, and he would elevate my package, but asked me to submit another application ( which I did ). Now it says that there is an arror in my letter that states my employment end date is before my start date. The application does not show an end date at all, and the stiff working there box is checked. Clearly THEY DID NOT EVEN READ THE APPLICATION! 

I am really about at my wit 's end over this. I am expected to be perfect in my job, but I can't even expect average service in my dealings this the loan servicer.
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (WA)

I was a victim of a scam when the fraud dept called I was told the transaction was blocked I agreed to stop the payment to allow for an investigation, they told me it was stopped, the scammer told me it was not received and blocked. the money has never been returned to the account.
Consumer complaint received 2021-08-01
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: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, d

eposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-08-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I am writing to request correction of the error described below in regard to the mortgage on my property. My mortgage company failed to credit the payment I made on XX/XX/2020 debited from my Financial Institution ( XXXX XXXX XXXX XXXX XXXX ) via XXXX XXXX on XX/XX/2020 in the amount of {$4700.00} as of the date of receipt. This was to cover the following said period mortgage payments : XX/XX/2020 - {$1100.00} XX/XX/2020 - {$1100.00} XX/XX/2020 - {$1100.00} XX/XX/2020 - {$1100.00} I have enclosed a verification letter from my Financial Institution as to said funds have not been returned along with a copy showing where the funds have been debited from the account.
Consumer complaint received 2021-08-01
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. (MO)

After my purse was stolen my identity became comprised, place on the dark web and all. I learned of this after I pulled my credit file. The following accounts are unknown and unauthorized by me, therefore Im demanding that these accounts be removes imnediately. 

1. XXXX XXXX XXXXXXXX {$790.00} 2. XXXX XXXX {$790.00} 3. XXXX XXXX {$170.00} 4. XXXX XXXX {$92.00} 5. XXXX XXXX {$1100.00} 6. XXXX {$96.00} 7. XXXX XXXX XXXX {$850.00} 8. XXXX XXXX XXXX {$20.00} 9. XXXX XXXX XXXX {$35.00} 10. XXXX XXXX XXXX {$47.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$710.00} 13. XXXX XXXX XXXX {$75.00} 14. XXXX XXXX {$580.00}
Consumer complaint received 2021-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I wallet was stolen and I filed a police report with the XXXX county sheriffs office case numberXXXX XXXX. I called capital one and advised them that this account was fraudulent. they refused to assist me. As a result of there lax verification process my credit is now getting screwed up.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-01
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: EQUIFAX, INC. (DE)

On XX/XX/2021, I wrote a letter requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from the bureaus or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again. I give XXXX, XXXX, and Equifax authorization to investigate issues outlined in the letters I submitted. Thanks for your help with this matter.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MD)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Consumer complaint received 2021-08-01
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. (SC)

Their has been unauthorized use of my credit report. I submitted a dispute with the credit bureaus on XX/XX/XXXX in regards to unauthorized, inaccurate, and fraudulent accounts on my credit report. This is unacceptable and in violation with the FCRA and FDCPA. A furnisher must not furnish inaccurate consumer information to a Credit reporting agency, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate, fraudulent, or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX XX/XX/XXXX data breach and XXXX XX/XX/XXXXdata breach. Someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations if these accounts are not deleted immediately off my credit report.
Consumer complaint received 2021-08-01
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. (MO)

Im demanding that these fraudently accounts be blocked and removed from my credit file. My idenity has been compromised and reported. Im demanding that the XXXX major credit agenices remove these accounts immediatelty. 

XXXX. XXXX XXXX Bank XXXX. XXXX XXXX {$1700.00} XXXX. XXXX XXXX XXXX. XXXX Bank XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX Balance : {$770.00XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX