davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (KY)

I would like this illegal and misleading information deleted from my credit report from XXXX XXXX XXXX. this account was closed then reopened the missed payment days are incorrect which is illegal. I have reached out to XXXX XXXX with 2 certified letters and got no response within 60 days
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX  Account No - XXXX XXXX. Past Due- {$3800.00} 2. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXXXXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2021-09-24
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (TX)

My parents had a reverse mortgage and both have passed away. My siblings and myself keep receiving letters from the XXXX office in which the property is located as heirs to our parents. None of my siblings or myself want the property our intention was for the foreclosure to happen. Our last parent passed in 2019 and we have been receiving these threatening letters periodically since their passing. How do we make them stop please?
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

XXXX, I tried to make an online purchase with my Victoria Secret credit card which is through Commenity Bank. They suspected fraud because I was sending the merchandise to my daughter in Florida. They shut my card down and told me that in order to have the the card back active, I would have to send a copy of my Social Security card, Drivers License and a utility bill to XXXX XXXX XXXX XXXX OH XXXX. I told them in this day and age no one would be stupid enough to send their Social Security Card in the mail where anyone could get it and steal your identity. I am sure that the Federal Government would not want someone to send their Social Security card in the mail. I was told that if I didn't do what they wanted they could not help me and my card will be cancelled. I asked them what protection do I have if someone obtains my identity and they told me no I have no protection. I do not believe this should be legal. No one should be able to ask for a copy of your Social Security card and your Drivers License just to lift a hold on their credit card. I did not need to show my Social Security Card when I opened the account. Just as you are not asking me for my Social Security number in this complaint, no one should.
Consumer complaint received 2022-12-01
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$19000.00}, XXXX XXXX Balance : {$410.00}
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AL)

Have tried repeatedly to get free annual credit report from Equifax over the last year. Last attempt XX/XX/2019. Can not get report online. They keep telling me do mail in all kinds of documentation i.e drivers license, ss card, utility bill, pay stubs, ss statements, tax returns, birth certificate and on and on and on. This is nonsense. I would never put that kind of information in the mail to anyone. Get my reports from other two reporting agencies without any problems.
Consumer complaint received 2022-01-17
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)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I disputed the fraudulent information on XXXX XXXX XXXX XXXX from my credit report. 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 have done many attempts to reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-05-16
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Glory LLC (IL)

On XX/XX/XXXX, I was charged {$270.00} to enroll in the credit repair XXXX XXXX, rather than paying a bill in collections for {$650.00}. I was promised that the charge in collections would be very easy to dispute, and the dispute would be finalized within XXXX months. After almost an entire year later, the company has failed to fulfill their promised service. However, I have been paying {$99.00} months as a recurring charge since XX/XX/XXXX until XX/XX/XXXX. The bank was able to retrieve a refund from the merchant for the previous XXXX charges within their XXXX statute of limitations. However, I have yet to receive the additional {$700.00} back from the charges incurred from XX/XX/XXXX to XX/XX/XXXX. 

In addition to that, the company coerced me to enroll in an identity protection programXXXX XXXX XXXX that is necessary to use with their credit repair services. This was a $ XXXX  monthly recurring charge as well which then increased to {$27.00} without my knowledge. I was being charged by this company as well from XX/XX/XXXX to XX/XX/XXXX XXXX
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (MO)

This complaint is about the Best Buy Credit Card issued through Citi Bank. I have had that card on auto payment for more than a decade and never look at my statement. Today I reviewed my statements and realized they have been charging me for a " Debt protection '' program that I never knowingly agreed to. In just the past three months, they have charged me more than XXXX dollars for this service I never knowingly agreed to and do not want. 

I called the listed phone number and spoke with a customer service person who told me that I had signed up for the debt protection program in 2007 when I applied for the card. I don't think this is accurate as I wouldn't have signed up for insurance for a credit card. Or they hid the consent for it within the signup process. I'm not sure, but over the last 15 years, they must have charged me thousands of dollars in debt protection fees without my consent. I requested that they cancel the service and I also requested a refund on the charges.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year.

These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account number : XXXX   and XXXX Collector : XXXX XXXX Original XXXX XXXX Status : Unpaid Balance Amount : {$320.00} and {$420.00}
Consumer complaint received 2024-05-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service Company, INC (TX)

I am writing to formally dispute the validity of any debt claims you allege I owe, specifically the amount of {$570.00} as reflected on my credit report. I did not receive any written notice of this debt, and therefore, had no opportunity to address the issue. 

Additionally, I requested the company 's licensing and bonding : As per my rights under state and federal laws, I wanted XXXX XXXX ( also known as Credit Service Company , Inc. ) to provide documentation proving that they are licensed and bonded to collect debts in the state of Texas.
Consumer complaint received 2022-12-16
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: United Shore Financial Services, LLC (CA)

When I reviewed my credit report, I discovered that there is an account that was erroneous. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX .... Balance : {$280000.00}
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

I want these removed, I did not authorize these. I have filed a police report. I have sent in disputes to the credit bureau and they will not remove these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed my account for no reason with no warning at all. That's because they don't have a reason and won't tell me why. This happened on XX/XX/2024. The only money I have right now is in my Checking & Savings accounts. They said when they get around to it, they'll mail the money to my home address. All of my credit cards, loans and even my mortgage is enrolled in auto bill pay. So the payments will all be late and I'll get fined for that, not to mention what it will do to my credit rating. Besides that, I don't have any money so can't even pay them outside the bank on my own. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/2024, I went to the bank and asked them to send a wire to XXXX for me. I have sent wires to this person before and there wasn't a problem.The person at the bank went into his spiel about scams which the whole world is aware of, but banks take it to the extreme. They should give you the facts and ask a few questions and then if you still say you're comfortable sending the wire, they should do what you ask. After all, it is my money and I should be able to use it any way I want. This really is NOT their decision to make. So I went home and sent it myself through online banking. 
Then, to add insult to injury, they sent the police to my home. I guess they thought I was crazy because I wanted to send a wire. Why do they even offer it if you can't use it? I am XXXX  years of age and I can't help but think this is elderly discrimination. I think they have violated several of U.S. citizens ' rights and they should have to pay the consequences.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2019-05-10
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: CITIBANK, N.A. (CA)

Dear Sir or Madam, I was solicited by email a XXXX mile bonus miles from XXXX XXXX AAdvantage Program. 
I have attached a scanned pdf copy of the XXXX mile email offer. 

I accepted the offer for XXXX miles and was accepted. My requirement was to make credit card purchases exceeding {$3000.00} in three months which I did. 

On XXXX I paid {$1400.00} On XXXX I paid {$1500.00} On XXXX I was credited - {$7.00} Total purchases {$3000.00} On my XXXX statement, I noticed I did not receive my XXXX miles. 

XXXX at XXXX, I contacted a lady named XXXX. She said it would take 1 to 2 billing cycles for the miles to show. 

XXXX at XXXX, I spoke with XXXX which was unable to resolve the issue and escaladed my issue to a supervisor XXXX at XXXX, I spoke with XXXX who also was not able to resolve the issue and transferred me to a more senior supervisor XXXX at XXXX and spoke with XXXX, and she stated she would escalate the matter higher, and that I would be receiving a telephone call within two or three days. The return call never occurred. 

I clearly was offered XXXX miles, I complied with the offer requirements, and now Citibank N.A is clearly not honoring their offer commitment. 

I have attached the following : 1. Original email offer for XXXX miles 2. My original letter of correspondence to Citibank dated XX/XX/2019 3. The first page of my last three months of Citibank statements proving the amounts paid. 

Please look into this matter and please convince Citibank to honor the XXXX miles promised to me. 

Please dont hesitate to contact me and thank you in advance. 

Very best regards, XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

My name is XXXX XXXX XXXX, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S.Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In if, general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete item or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file bf the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK
Consumer complaint received 2019-10-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I have had student loans for over 20 years and they have been sold over and over to servicers. I dealt with Navient for many years, with much difficulty getting a clear concise answer. I was told and did apply for forbearance several times until i could no longer do it. I did go into default at one point. My loans were once again sold and now i am trying to pay via XXXX. 

I feel i would have been in a better position and not had a default on my record if i had better guidance. I am told that i should be able to be part of the current litigation against navient but i am not sure what to do next. 

Also, with the length of time i have been paying school loans am i not entitled to some sort of forgivness??
Consumer complaint received 2022-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (GA)

Missing XXXX Binance.US says they returned XXXX back to my account on XXXX they did not. I want proof of the transaction. I have provided them with my bank statements to show that they never deposited the return deposit to my account.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX Collector : XXXX Original Creditor : XXXX Status : Unpaid Balance Amount : {$640.00}
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, 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)

On XX/XX/XXXX, I am submitting a request to block information on my consumer report as I am a victim of identity theft. This was not a dispute, however the CRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ( a ) Block A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifing information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE AND DO NOT PLACE A FRAUD ALERT UNLESS I SAY SO. The accounts that must be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

In 2020, a XXXX debt was removed from my credit reports. This debt was alledged to be owed to XXXX XXXX XXXX XXXX, upon successfully disputing this debt with the XXXX major credit bureaus, it was removed from those reports. Thereafter, out was reasserted by another company who purchased this erroneous debt. That Company name is XXXX XXXX XXXX. This company does not have the right to report any financial information under my personal information i.e. social security number. 

As well, the law clearly states that reasserted debt is prohibited from reappearing on credit reports and financially impacting consumers livelihood.