davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (LA)

On XX/XX/2018 I requested that XXXX XXXX validate NOT verify a debt they are attempting to collect from me. I asked for a signed agreement and other supporting documentar. They provided me with billing statements which does not prove that I'm obligated to pay them anything. They have reported delinquent information to the credit bureaus that I'm asking to be deleted.
Consumer complaint received 2018-08-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WY)

A PERSON CALLED ME AND TOOK CONTROL OF MY COMPUTER LATER ON I FOUND THAT XXXX $ HAS BEEN TRANSFERRED FROM MY PAYPAL ACCOUNT TO A PERSON NAME XXXX XXXX.I WANT TO FILE CASE AGAINST THIS PERSON AND STRICT ACTION BE TAKEN AGAINST HIM WITH IMMEDIATE AFFECT. 

XXXX XXXX IS A SCAMMER.BEWARE PEOPLE
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (LA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, 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 2021-04-12
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: TRANSWORLD SYSTEMS INC (FL)

I contacted XXXX  about fraudugent accounts and transactions that they placed on my credit report, I received a letter from them saying they contacted the creditor and the account was verified, then I received a letter from the creditor, asking me to verify the account no, and several other pieces of information. The creditor said they could not locate this account. My problem is this if the creditor could not locate the account, how could XXXX  verify this account. Surly they never investigated.
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I would like to have my name removed from or OPT-OUT of all promotional ads for credit cards and insurance ads. My name is XXXX XXXX XXXX please remove any other variations. My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2009 XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am self employed : XXXX XXXX XXXX XXXX  XXXX XXXX My information has been compromised I and the is a report on file with the XXXX Police Dept.
Consumer complaint received 2018-08-18
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. (OH)

I have disputed information on my consumer reports with all three CRAs and each has ignored my complaint about incorrect accounts and identity theft where a collection company has used a fraudulent social security number to link an account to me. I have tried repeatedly getting this corrected with the credit bureaus to no avail. I am here to ensure my complaint is accurately processed as it should have been the first time. Having exhausted all my resources and no longer able to dispute these accounts with the CRAs Ive since obtained help from the FTC to file and Identify Theft Report.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I opened the American Express XXXX and XXXX card in XXXX after entering XXXX XXXX. Despite AMEX stating on their website that Military Lending Act protections are applied automatically, I was charged the annual fee for both cards. 

XX/XX/XXXX - Platinum Membership Fee appeared on my statement - {$690.00} XX/XX/XXXX - Gold Membership Fee appeared on my statement - {$250.00} I called American Express shortly after, expressing my concerning. The representative said that the protections would be applied and I would be reimbursed. I was not. 

This year, I was again charged the annual fees. 
XX/XX/XXXX - Platinum Fee - {$690.00} XX/XX/XXXX - Gold Fee - {$250.00} Totaling {$1800.00} in fees that I should not have been charged per the XXXX. 

Since being charged the fees this year ( XXXX ), I have reached out to American Express multiple times. 

XX/XX/XXXX : A customer service representative on the online chat stated I was ineligible for XXXX because XXXX debt incurred after XXXX XXXX. '' This is a blatant misrepresentation of XXXX protections and is incorrect information. 

XX/XX/XXXX : I called AMEX directly who stated I would receive information within the month. I did not. 

XX/XX/XXXX : I called AMEX directly. The representative looked over my information and stated that they saw my requests in there from last year. He stated he would submit the information again and I would hear back within the month. I did not. 

XX/XX/XXXX : A customer service rep on the online chat stated that they would submit an XXXX application for me and ignored my attempts at telling them that I had already tried this multiple times. He stated I would receive information in XXXX weeks. I have not. 

XX/XX/XXXX : A customer service rep on the online chat stated that the eligibility is still being processed and recommended I " may be instead eligible for the XXXX benefit. '' Again, this is a blatant misrepresentation of what I want and they refuse to acknowledge that they owe my the annual fees. She then directed me to a representative that would cancel my cards- which is not what I want. 

Upon request I can provide : - Credit card statements reflecting all XXXX charges - My military orders showing my XXXX XXXX time began prior to opening both cards - A statement from the XXXX XXXX XXXX XXXX reflecting my XXXX XXXX status
Consumer complaint received 2022-03-10
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. (TN)

Hello, my name is XXXX XXXX XXXX and I am completing this complaint myself. 

After careful review, there are many inaccuracies on my consumer report and needs some attention immediately. 

TransUnion is showing many inquiries on my consumer report that I did not give written permissible purposes in ANY capacity.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (IN)

Wells Fargo perpetrates financial misinformation and falsely asserts my mortgage was delinquent for only XXXX XXXX months. 
Consequently, Wells Fargo will only allow the XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) to award only {$6000.00} to assist with my Mortgage. 
I deserve much more than {$6000.00} as my mortgage was delinquent for longer. 
Wells Fargo never awarded any financial help during Covid-19 when Wells Fargo should have awarded a Deferment by law.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep frustration and dissatisfaction regarding the handling of my disputes concerning inaccurate information on my credit report. Despite sending disputes to TransUnion, XXXX, and XXXX, outlining specific violations of the Fair Credit Reporting Act ( FCRA ), I have not received any response from your agencies after over 30 days. Enclosed are copies of all letters previously sent for your reference. 

It is evident that your company has flagrantly disregarded the mandates of the FCRA. Specifically, you have violated FCRA 623 ( a ) b ) by neglecting to designate the disputed account as such, thereby perpetuating the erroneous reporting.

Furthermore, the provisions of FCRA 605 ( c ) have also been grossly violated. The reporting period continues to run despite the account 's last activity date being inaccurately reported. This deceptive representation fails to reflect the actual date of payment cessation, thus unfairly impacting my credit standing. 

In addition to FCRA violations, your persistent failure to validate the collection account constitutes a clear breach of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion. 

I demand immediate action to rectify these violations and ensure the accurate reporting of my credit information. Failure to do so will leave me no choice but to pursue legal action to enforce my rights under federal law.
Consumer complaint received 2023-03-17
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

So I signed up for a capitalone card. I saw a sign up bonus for the savior one purchase XXXX and receive a {$200.00} bonus. So I signed up for the card I spent about XXXX. I call in 1.5 months to see where my bonus is. They say we have one card savior one card with a bonus and one card with no bonus. I say I signed up for the one with the bonus otherwise I would have never signed up. Also what sense is having to of the exact same cards and one with no bonuses. Long story short they refused to give me my {$200.00} bonus.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2022 I wrote All three credit reporting bureaus ( EXPERIAN, XXXX, XXXX ) asking to provide verification of accounts with incorrect amounts, open dates and closed dates. The letters along with a copy of of my credit report were sent certified mail. I havent received a response from either bureaus about an investigation being opened nor closed. Attached is a copy of the letters that were sent.
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See the attached affidavit and credit report and remove the account XXXX XXXX from my credit report due to inaccurate reporting. There are records of CFPB complaints showing that I have tried to get this corrected for over a year and quite frankly I am tired of writing XXXX and Transunion when XXXX has since removed this account due to the inaccurate late payment reporting XX/XX/2017. I have been keeping record of the correspondence sent to you and I will be moving forward with legal action after sending this affidavit if this account is not updated or removed from my credit report. Please take this complaint as a notice of my intent to sue your agency if this account is not removed within 21 days.
Consumer complaint received 2020-07-31
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: CITIBANK, N.A. (MD)

I have a loan with DSNB MACYS, SEARS/CBNA, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DSNB   MACYS, SEARS/CBNA, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

On XX/XX/2018, my son applied for credit at XXXX XXXX # XXXX, XXXX XXXX XXXX   XXXX, XXXX, CA., XXXX which was done by XXXX at ( XXXX ) XXXX in which you reported my son had no credit score whatsoever with Equifax . Due to the fact that I didn't want to have him have a tire blow out while driving, he asked me to co-sign. I know for a fact that he has a better credit score than I do. So the problem Equifax caused was to put a hard inquiry on my credit report by co-signing when it wasn't necessary at all which you took 10 points off my credit score. By that time, I had a decrease in one of my credit cards for {$410.00}. You provided the wrong information to XXXX. When I co-signed, I went to XXXX in XXXX, CA. on XX/XX/18. My son has made a complaint with the CFPB also. He copied information off XXXX XXXX and provided it to the company to prove he actually had a credit score of XXXX minus 10 which brought it down to XXXX.
Consumer complaint received 2020-07-29
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. (OK)

Experian deleted my XXXX  current but negative paid/closed most recent XXXX XXXX account on XX/XX/2020 without any reason to have done so and refused to contact XXXX   XXXX to have the paid/closed and current account reinstated so that I could buy another home between XX/XX/2020 and XX/XX/2020. 

On XX/XX/2020, I discovered through a FACTA credit report for Experian that an unknown social security was listed under my credit file and name, and Experian 's XXXX XXXX from Consumer Affairs, in the face of clear evidence, claimed he didn't see it and would not investigate this inaccurate identifier in my credit file, so that I may apply for a mortgage.
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

On my credit report it shows I was an authorized user on an account which is XXXX XXXX beginning XX/XX/XXXX. Between XX/XX/XXXX, and XX/XX/XXXX, payments for XXXX, XXXX, and XXXX were dropped off for XXXX. XXXX XXXX says they had no reason to go back to XXXX and XXXX and drop off payments.You are violating the Fair Credit Reporting Act.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NH)

I submitted a request for an account with Equifax and created a login. They physically mailed me a code to enable me to create the account. The code was accepted but then when I attempted to login with my credentials ( using a password storage tool so I know I didn't type the credentials incorrectly ) all I get is the following error message, " We are temporarily unable to complete this request. 
Please try again later. '' based on the comments here, https : XXXX This " temporary issue '' appears to be intentional to prevent people from locking their credit reports.
Consumer complaint received 2022-03-10
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. (FL)

I contacted the following credit bureaus about fraudulent accounts that were placed on my credit report. The Bureaus are TRANSUNION, AND XXXX CREDIT BUREAUS, I sent them copies of a XXXX XXXX Police Report that I filed Reporting this fraud, along with a Federal Trade Commission Report the accounts were then taken off my credit report. Several weeks later the same accounts were reinserted back to my credit report. 
Since then I have been disputing these fraudulent accounts. The credit bureaus told me that the accounts were verified and certified by the creditor, witch is XXXX XXXX XXXX XXXX. I then disputed these account with the creditor, On XX/XX/2022 the creditor responded by sending me an email that stated they needed more information .... I furnished them the exact information that is currently reporting on my credit report that they furnished to the credit bureaus ... Now they are saying they need more information. I would like to know how they need more information, when the credit bureaus contacted me and stated the the creditor verified and certified this information. Some one is violating my right from the looks of the letter from the creditor they dont even have this information that the bureaus are reporting. I requested a copy of the documents use to certify and verify these accounts from the bureaus and the creditors, and both have failed to furnish me with a copy of these documents.
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Hi! It's Saturday, and I'm trying to remove my credit freeze through XXXX XXXX online system and keep getting linked to different Equifax websites, none of which actually enable me remove my freeze. I find it very frustrating that an educated consumer can not easily navigate the website to remove a freeze. I was able to easily do so with XXXX  and XXXX, but have spent about twenty minutes through Equifax 's website to remove it and am unable to do so. My only options are to wait until XXXX XXXX on Monday morning to try and talk to a customer representative, which I find unacceptable as a consumer.
Consumer complaint received 2018-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

XXXX XXXX XXXX charges extremely high interest rates, and when you pay, they dont even update your payments on your credit report. The customer service is very rude and they do not care about what we as customers are going through. Everything is about the money, and they do not keep us updated about our accounts.
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

On XX/XX/2018, I applied for credit at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA., XXXX through Equifax to finance tires and XXXX was the one that ran the credit report ( XXXX ) XXXX. What I understood her to say was that I didn't have enough credit but found out on XX/XX/2018,  that Equifax reported I had no credit score whatsoever. I asked my mother to co-sign and she did in XXXX, CA., at another location which everything was faxed to the XXXX location. My mother 's score ended up being reduced because it was a hard inquiry which never would have happened if Equifax had reported my credit score. My credit score is high enough to get the credit on my own. Your company has inconvenienced me and my mother when none of this should never have happened. XXXX at XXXX had all the current information with correct social security number, PO Box number , street address, phone number, and income etc. My credit score shows minus the hard inquiry which went from XXXX to XXXX on XXXX XXXX. My mother will be making her own dispute to the hard inquiry when it wasn't necessary for her to be a co-signer.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (NY)

On XX/XX/2023 my car was broken into and my pocketbook was stolen. I immediately canceled my credit cards, including the debit card associated with my Key Bank Checking account. On XX/XX/XXXX a fraudulent check was written in the amount of {$2600.00}. I noticed this on my online statement on XX/XX/XXXX and immediately went to my Key Bank branch to let them know. I was told that the money would be in my account within 24 hours, then I got a call saying it could take up to 90 days, then got a letter in the mail saying that my claim was denied. First reason was that I filed the claim after 30 days, then the bank manager said it was because in the affidavit that I signed I listed my checkbook as one of the items stolen. I was never advised to close my account down at that time or I would have done that. I really thought that by canceling my card my account would be safe. I have a copy of the check and its clearly not my signature. I feel like Key Bank robbed me all over again. Any help you can provide would be SO appreciated!
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am writing to you to complain about the companies listed in my attached letter that have been wrongly accusing me of late payments. I already sent them letters and other needed documents before but they have not acted upon my complaints and so i am writing to you guys to help me with this.