davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
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 (WA)

American express provided a welcome offer of XXXX XXXX points for the everyday prefered card, but there is a mis-understanding between American express and me on when I can downgrade or cancel the credit card without losing the welcome offer in terms of " keeping the account for 12 months ''. 
When I was charged for the new year 's annual fee ( I thought that is a sign I qualified for the 12-month term ), I submitted the request to downgrade the card. The agent did not remind me of the potential lose of welcome bonus! But days later, American express took away my welcome bonus because they think I am 1 month away from their 12-month term.

I immediately canceled the request for the downgrade ( which is allowed by American Express within 50 days ) and now I am still holding the original everyday prefered card. But American Express refused to reinstate my points because they determined I had the 'evil ' thought about downgrading the card ( which is not even successful ) within 12 months.

I just don't understand why they are so stubburn about their own mistake without considering how bad the service they provided.
Consumer complaint received 2021-02-17
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. (FL)

I sent a request to Experian to update information. Reporting inaccurately. I notice that account was not reporting credit limit. I never asked agency to validate account. I simply asked them to correct the way this account was reporting. According to fcra info must report with 100 % accuracy. Im showing XX/XX/16 that Experian failed to make correction. This isnt fair please help.
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (KY)

Calling repeatedly every day. EVERY DAY and 2-6 times in a row!! Will not leave a voicemail with call back number or any info. I called and asked them to stop calling, and they knew my name without me telling them. I have blocked numbers, but they keep using new ones to get through. They always start with XXXX. If it is a legitimate business for debt collection, they could at least leave a message. The company is Radius Global Services.
Consumer complaint received 2024-01-29
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: CAINE & WEINER COMPANY, INC. (IN)

XXXX is displaying inaccurate and fraudulent information on my credit report. I have disputed the items and asked to be provided with validation letters with my signature. I have also contacted the other parties requesting debt validation and nothing has happened. 

My only Name is and has been XXXX XXXX XXXX my ONLY address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX is reporting XXXX XXXX XXXX, Credit Collection Services and XXXX XXXX XXXX XXXX XXXX is reporting XXXX XXXX XXXX XXXX on my report. 

All of this companies have failed to validate produce any information signed by me with my only name that I already provided. it has been more than 90 days since I requested this information and they have yet to provide it. they claim that the information comes back as " VALIDATED '' but again I have yet to see a paper with my signature that I owe any of the creditors mentioned above.
Consumer complaint received 2022-10-15
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks, XXXX
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (TN)

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data eld reporting. The information has not been proven to be true, correct, or veried.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards.For every account that youre reporting, I need evidence ( physically veriable ) that you veried the information to be accurate and compliant. For every inquiry I request proof that you conrmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Consumer complaint received 2021-04-16
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. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : 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 XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2024-06-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NC)

I have XXXX reenter a payment plan that I have been in with XXXX They are telling me since I purchased a new vehicle, I no longer qualify for a payment plan. I ha e offered to pay the same amount from previous plan. They continue to call at least 6 times a day and sometimes at the same time. ( Phone and cell ). The amount to be paid is unaffordable. Please help. I am having a breakdown mentally due to the harassment
Consumer complaint received 2023-04-09
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. (NE)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2017-05-31
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. (VA)

I have repeatedly found on a consistent basis that TransUnion continually provides duplicate debt, exceptionally dated debt and just misinformation in general that ultimately pulls your credit report down. Trying to contact them results in more requests for information which ultimately means that the issue is never gets resolved.     I have filed bankruptcy and they are still reporting information that was included in the bankruptcy as owed. When it is clearly not based on federal statue.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (MI)

I started to see some withdrawals from my account that I did not autherize from a company called XXXX.I did not catch when it first started by the time I caught it they savurgam had charged me twice a month XXXX XXXX for almost a year.My bank Comerica bank investigated then credited my account for all the charges.Then a week later after I used the money they posted the charges again from XXXX putting my account over drafted.The explanation I got from Comerica was that they credited my account because it was fraud but because of some 60 day rule they reinstated the charges.I told them why did you credit my account with the money then they had to know I would spend it.This does not seem right.thank you for taking the time to read my complaint.If you want to talk to me please leave a message as I am totally XXXX and have a hard time getting around when XXXX XXXX XXXX  away from the phone.Thank you.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and I am hoping that these accounts will be corrected. 

XXXX XXXX  XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX Balance : {$330.00}
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (TN)

I have numerous accounts with netspend prepaid I have two accounts that were opened while I was married not joint accounts I have a savings account accumulated since 2017 I have tried to access these two older accounts but was either hung up on or put on hold for more than 30 minutes in this time I need to have all finances that I have given I am divorced with a new XXXX year old XXXX.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (DE)

On XX/XX/XXXX, I opened an Accelerate Savings Account with Citibank, and on XX/XX/XXXX transferred {$50000.00} into the account. Since then, I have encountered a series of roadblocks that continue to prevent me from gaining access to the funds, both online and through over 10 hours on the phone with customer service. I now believe that a fraud is being conducted, based on the bank 's refusal to escalate the problems.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (LA)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

In my efforts to receive relief from unfair debt collections practices, I have decided to continue to file complaints to all that are supposed to assist in regulating and policing individuals who attempt to take advantage of consumers. Equifax has received several disputes from me about a debt collection company that is listed under US DEPARTMENT OF EDU. I have reached out to the company several times, even having mail returned from the listed address of XXXX XXXX XXXX XXXX XXXX, IL XXXX. I have called their number which is for XXXX XXXX, XXXX. I need to find out the method Equifax is using to validate this alleged debt. A XXXX search to this address reflects a company by the name of XXXX, XXXX XXXX XXXX who was bought by XXXX. I reached out to XXXX XXXX, who is the legal support for XXXX, and he had no answers for me, using my personal data to locate an account. I have spoken with the Department of Education Ombudsman in XX/XX/2021, and they couldn't help, I have looked on the FSA website. I was unsuccessful in finding out who the debt collector listed is, my question is, '' Equifax who are you validating the debt with? '' There is no way you could be responsibly validating this alleged debt. The information listed is incorrect and inaccurate. The account shows the highest balance is XXXX. Payment status is " No Info '' and shows as a " paid collection ''. I am demanding validation. I am demanding to receive the contact information from this debt collector, and Proof of Claim to ensure there is no debt parking on my credit report.
Consumer complaint received 2023-03-23
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-04-28
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: Convergent Resources, Inc. (FL)

XX/XX/2022, Convergent Outsourcing added a derogatory mark on my credit report ( XXXX XXXX, XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Consumer complaint received 2021-02-17
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: Bread Financial Holdings, Inc. (NJ)

I called XXXX to discuss a financial hardship and to question a large charge of {$1500.00} on the account. I was told there was nothing they can to do help but will escalate my inquiry and get back to me within 48 hours. Within that timeframe, not only did I not receive a call back regarding my concerns but they reported me late to the credit bureau and my score was dramatically impacted. I request my account be reviewed under the circumstances of my financial loss of significant income.
Consumer complaint received 2020-02-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NC)

I took out a XXXX payday loan around XX/XX/2020. Unbeknownst to me, they are charging me 700 % interest every other week. ACH payments of payments XXXX are being deducted from my bank account. I read complaints from XXXX  and other consumers are going through the same. Also the company is not willing to work out a solution because they are under some tribal immunity from adhering from our state laws regulating caps on percentages. Well I feel like if I am not a member or governed under their reservation of laws then this loan should be illegal. I am willing to pay the principal back on top of the XXXX they have already taken out. I wish the government would step in stop this form of practice that the Indian tribal reservations have set up.
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MI)

Loancare forgot to pay my homeowner 's insurance. Called and received notice of cancellation on first week of XXXX. Contacted Loancare and they informed me that it was all taken care of and that it was paid. Received phone call XXXX/XXXX/16 and informed me that homeowner 's insurance was cancelled the XXXX of XXXX due to nonpayment by Loancare. Now I have to pay out of pocket {$1300.00} and my house is apparently not insured, even though I am making payments to Loancare.
Consumer complaint received 2020-02-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of York, Inc. (PA)

For the past few months I've been disputing this account directly with York Credit Bureau or whatever their name is. I don't even know if they exist at this point, the only way I've ever heard from them about this was a phone call at work, and from my credit reports. I did not appreciate how aggressive they were, and they did not provide me with any information about what the debt was for! They didn't even tell me they were debt collectors.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion is the company, along with XXXX.

This continues to be a nightmare with TransUnion, i am not able to apply for another work opportunity due to multiple multiple FCRA violations in which TransUnion continues with willful intent to ignore. Numerous disputes with TransUnion for over a year now have fallen on deaf ear, and it shows up as not disputed ; why? TransUnion shows a different address from what XXXX has ; neither credit reporting agency will provide a telephone number. Consumer Protection Finance Bureau has previously reached out to this corporation as well under complaint number XXXX and this corporation has stated it does not belong to them. This isnt making sense, i need to see the documents showing proof this alleged debt is mine.TransUnion also needs to show in writing the step by step independent investigation performed. This company name on the report shows XXXX XXXX XXXX, account # XXXX. 

This company has various names including XXXX XXXX XXXX. XXXX  has deleted this non-verified inaccuracy, so if XXXX  can not verify, how has TransUnion and XXXX  conducted an independent investigation for verification? 

There are too many FCRA violations to place without making this a long complaint. XXXX  shows a XXXX XXXX XXXX XXXX, XXXX TX XXXX for an address without a phone number, and TransUnion shows an address of XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, which is a registered agent for this company and/or companies. 
TransUnion is showing a payment on XX/XX/2019, and XXXX just states that a recent payment was made, who paid? XXXX  also is showing an unfamiliar name on the report as XXXX XXXX, who is that? A charge off showing a balance due? Wow, i am flabbergasted as to how employees are trained here. As previously stated, there are too many FCRA violations to report here without making a long drawn claim. 

Thank you for your time. 

By : XXXX.
Consumer complaint received 2020-02-10
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. (AR)

I was trying to trade my vehicle for a XXXX, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me a auto loan. I asked them why and I did not get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my to open up accounts that should of never been open. These accounts are not mine. I need them removed immediately.