davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (NV)

I 'am a victim of identity theft. This account doesn't belong to me. 
I never heard of this company or done any business with them. 
Someone is using my credit to purchase items fraudulently. 
I was alerted Experian someone was trying to apply for credit card in my name. 
I have attached my ftc report items are fraudulent. 
I demand immediate removal.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022 I sent a postal-certified mail dispute letter to Experian to correct my address. I showed my NY state I.D, Social Security card, my w2 form, address Tenant information, and a letter from my student loan all matching my correct Address. Experian responded with the dispute results on XX/XX/2022, and they did not correct my address. 

On XX/XX/2022 I sent a 2ND postal-certified mail dispute letter to Experian to correct my address. I showed my NY state I.D, Social Security card, my w2 form, address Tenant information, my bank statement, and a letter from my student loan all matching my correct Address. I ALSO added a picture of my building resident with my correct address. Experian responded with the dispute results on XX/XX/2022, but they still failed to correct the address. 

On XX/XX/2022 I sent a 3RD postal-certified mail dispute letter to Experian to correct my address. I showed my NY XXXX XXXX, Social Security card, my XXXX form, address Tenant information, my bank statement, and a letter from my student loan all matching my correct Address and a picture of my building resident with my correct address. I also showed Experian the comparison between them and the other two credit bureaus such as XXXX XXXX, and XXXX has my correct address except for Experian. Experian responded with the dispute results on XX/XX/2022, and they finally corrected my address, but however, they put the incorrect address back on the credit report AFTER THE DISPUTE RESULTS for some reason. 

On XX/XX/2022 I sent a 4TH postal-certified mail dispute letter to Experian to correct my address. I showed my NY state I.D, Social Security card, my w2 form, address Tenant information, my bank statement, and a letter from my student loan all matching my correct Address and a picture of my building resident with my correct address. I gave Experian one last chance to correct my address before I escalate to the CFPB and the State Attorney General 's Office. Experian responded with the dispute results on XX/XX/2022, and they corrected my address for the 2nd time, but however, they put the incorrect address back on the credit report AGAIN AFTER THE DISPUTE RESULTS. They are refusing to correct my address. 

As of XX/XX/2022 Experian still is reporting the incorrect address on my credit reporting file.
Consumer complaint received 2022-10-17
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently looked at my three credit reports ( XXXX, XXXX and XXXX XXXX ). I found seven inquiries from Capital One, six done on the same day. I did not apply for credit from them even once nor do I have an account with them, although they did many of the inquiries as " Account Reviews ''. the excessive inquiries lowered my credit scores as well. 

I sent a letter to them and they responded with a phone call, during which I was asked to confirm my birthday. I refused since they obviously had the information to be able to access my credit multiple times and the representative ended the call. 

While preparing this complaint, I found MORE inquiries done by Capital One on my credit that I did not authorize or do ( all told, Capital One did 12 inquiries on my credit ; XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX ). Today I received a letter from XXXX XXXX ( attached to the complaint ) admitting to doing the initial XXXX inquiries and being unable to confirm it was me who did them, but failing to pay me the {$1000.00} per inquiry amount required for them doing so without permissible purpose. They have also said they have requested for the inquiries to be deleted, but they might not be and turned into " soft '' inquiries. 

As of today, XX/XX/XXXX, they owe me {$12000.00} for the twelve violations of the FCRA, plus damages for lowering my credit score and willful violations.
Consumer complaint received 2023-06-09
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. (TX)

In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 2021-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (AZ)

I called the company on XX/XX/XXXX to have a post dated payment in the amount of XXXX dated for XX/XX/XXXX deleted. The representative told me it was already deleted. The payment was still processed on XX/XX/XXXX. I called on XX/XX/XXXX to request a refund. I called back on XX/XX/XXXX to follow up, the rep I spoke with said no request for refund was submitted, but they would submit the request. Called back on XXXX spoke to another rep who said there was still no request submitted. Called again today, the request has still not been processed.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

XXXX  XXXX XXXX is reporting a tax lien on my credit report that has been paid and the lien has been released. Each time I have attempted to dispute this information and provide a lien release document, equifax has required me to prove my identity through a method where I must answer questions that they say are identifiers that have been gleaned from my credit report. The questions are NOT FOR ME. NONE OF THE QUESTIONS MATCH ANYTHING THAT WOULD RELATE TO ME. When I answer " none of the above '' I get an error message stating that I can not be identified thus I can not be helped. This, in my belief, is being done to deter me from disputing this erroneously reported derogatory occurrence. 

I would like this resolved so that I can provide them with proof of my proper lien status.
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-02-16
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: EQUIFAX, INC. (AL)

I have disputed this account several times with Equifax. It is still not fixed. The account with XXXX on my credit report is PAID. However, the account payment status is not reporting as PAID. The account payment status is still reporting as derogatory. The comments states paid, but this is not sufficient. The account payment status needs to be updated. The company, XXXX, has advised me that they reported to Equifax that the status is paid. All other credit bureaus are reporting the status as paid. Equifax is the only credit bureau not reporting the status correctly.
Consumer complaint received 2019-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

4 different collection companies sent notice demand same payment for account not mines and never done business with companies/ violates " Fair credit billing act '' and " FDCPA '' ... XXXX XXXX, PORTFOLIO RECOVERY, XXXX XXXX, XXXX XXXX XXXX ''
Consumer complaint received 2022-10-17
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. (CA)

Accounts Affected by the Crime XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX WRONG ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2016-07-30
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

I signed up for a public offer for an American Express Platinum card on XXXX/XXXX/2016. The terms of that agreement I signed up for stated that if I spent {$3000.00} within 3 months, I would be awarded XXXX Membership Reward Points. I satisfied the terms of this agreement and was awarded the XXXX points as of XXXX/XXXX/2016. 

However, as of XXXX/XXXX/2016 I am unable to freely transfer these available points to a frequent flyer program in order to book an upcoming flight. AMEX has deliberately frozen my account and is in violation of the agreement that allows me to redeem my available points at will, so long as my account is in good standing.
Consumer complaint received 2018-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (VT)

On XX/XX/, XXXX XXXX, I did purchase {$100.00} USD of ETH, {$100.00} USD of BTC, as well as {$100.00} USD of LTC. Approx. 6 days later on XX/XX/, I purchased another {$100.00} USD of LTC and {$200.00} USD of BTC. On XX/XX/ at XXXX while on Coinbase 's XXXX page I click a link ( never again ) which took me to my coinbase account. This person who I believed to be a Coinbase employee told that Coinbase was giving users who sent XXXX ETH to them XXXX to XXXX ETH back. I then tried to login to my account. Coinbase sent me at least three or four 2FA authentication codes, which I thought were a distraction. I never logged in. My email app appeared out nowhere with an email asking to authorize the Coinbase app. Since I authorized the app my account has remained locked. They say they are refunding me for {$100.00} USD of LTC and {$200.00} USD of BTC. However, They never told me anything about the coins I have in a wallet on there site. I had a reasonable expectation that my coins would be safe at Coinbase. I truly believe that employees of Coinbase are SECRETLY scamming the American public out of their money. I expect and pray for a full refund or have my account reinstated. Advice to all consumers : Learn all you can about scams on Coinbase. AND REPORT ALL SUSPECTED CRIMINAL ACTIVITY!
Consumer complaint received 2016-12-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (CA)

I 'm highly disappointed with American Express. I 've been a XXXX XXXX Rewards card holder for over 4 years. I have excellent credit and have never missed a payment. My wife recently ( joint card holder ) sent me a payment via XXXX and she thought that she was using a new debit card. Instead XXXX used the Amex that was originally linked to the account. We tried to cancel the payment after we discovered the error but were n't allowed to cancel. Was n't a big deal in our opinion but days later American Express cancelled my account. When I called in to see what the problem was, I was told that Amex does n't allow you to send payments to yourself and that my account could not be reinstated. That is extremely harsh considering it was a simple mistake that we immediately tried to remedy. I 've never had any previous issues with Amex or it 's customer service up until this point. Over 4 years of excellent credit history whipped away due to a simple mistake. I was told that I could reapply in the future, but with this level of treatment I 'm sure I 'll never do business with American Express again. I 'll definitely advise anyone I know to steer clear of Amex products.
Consumer complaint received 2019-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OK)

4 different collection companies sent notice demand same payment for account not mines and never done business with companies/ violates " Fair credit billing act '' and " FDCPA '' ... XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ''
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (CA)

In accordance with fair credit act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer report an agency can not furnish a account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under open and consumer as late for any purpose.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-06-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc. (TX)

The hospital I wen to never billed my insurance for this debt and did not notify me of any payment needed. I have changed jobs since then and no longer have the same insurance company. I contacted the debt collector and explained the situation to them, They have never contacted be about this debt nor have they responded to my inquiry. The only reason i know about this debt is because i pulled my report online.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I HAVE SEVERAL UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Early Warning Services, LLC (HI)

XXXX {$300.00} XXXX {$200.00} + {$600.00} This person is telling me to send money just to get rid of a cart I'm trying to sell on XXXX and he tells me he can't pay me in cash!!!! It was only {$90.00}. Also, he hasn't even paid me back yet!!!!
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (TX)

XX/XX/XXXX I purchased internet and TV services from XXXX XXXX XXXX. After a series of problems, and incorrect charges I decided to end the service with them and completely cancel. The connection to the services at home was never done. For this reason i continue to get charged and now have Sunrise Credit Services trying to collect the debt. I have made over 30 calls to XXXX XXXX XXXX and spoken with many managers. They have all said they have resolved the issue but still continue to get charged for the service they did not render. I continuously call XXXX XXXX XXXX representatives to get it fixed but still have not had any resolve. As a result my credit score can be affected. XXXX XXXX XXXX has claimed that it is an error that they committed but I still continue to have this problem.
Consumer complaint received 2019-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NC)

Citibank has also refused to close my checking account number ending in XXXX which I cancelled and was given a verbal confirmation on Tuesday XX/XX/2019, at approximately XXXX XXXX ( EST, see exhibit 01 attached ). In addition, they continue to debit my account for charge-backs ( totaling {$1200.00} ) associated with a company called XXXX , XXXX., although their representatives have stated on Friday XX/XX/2019 ( XXXX ), at approximately XXXX XXXX ( EST, see exhibit 02 attached ), Thursday XX/XX/2019 ( XXXX, # XXXX, at approximately XXXX XXXX ( EST, see exhibit 03 attached ), Thursday XX/XX/2019, and Tuesday XX/XX/2019, at approximately XXXX XXXX ( EST, see exhibit 04 attached ), that that merchant was blocked from removing funds from my account per my multiple request. In addition, I received a written confirmation from XXXX that my account with them was deactivated ( per my previous online request ) on Friday XX/XX/2019 ( see exhibit 05 attached ). This account is still open and accruing fees as we speak.

I am currently ( and have been for a week ) not even able to review my account information online as I am seeing a progression icon after logging in ( see exhibit 06 attached ).
Consumer complaint received 2018-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

Freedom Mortgage has repeatedly made harassing phone calls claiming we are behind in our mortgage payments. We have made every mortgage payment in full and on time. They claim we never made our XX/XX/XXXX payment and now each time we make a payment it is credited to the previous month. On XX/XX/XXXX I sent them a bank statement proving we did make our XX/XX/XXXX payment. Despite this, as of XX/XX/XXXX we are still being harassed. 

I find it very unlikely that a mortgage company is this bad at managing payment records. I have also read the customer complaints against Freedom Mortgage on the website for the XXXX XXXX XXXX. As a result I'm becoming convinced that Freedom Mortgage is attempting to trick us into making an extra mortgage payment that we do not owe them.
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OH)

I've just placed a complaint with the CFPB and the company stated they fixed my issue and it's still NOT fixed. Complaint # XXXX from XX/XX/XXXX. I just sent a complaint that the deceptive payment system will not correctly applying my payments. They replied that they fixed the issue causing this. We'll they haven't I just applied my XX/XX/XXXX payment and once again it's not fixed now it's completely applying my entire payment straight to all principal only. It should be paying my XXXX to XX/XX/XXXX regular payment and the XXXX to principal. This company is nothing but headaches and deception. How is this even legal? I need my issue fixed to apply as it should my regular payment and the extra to principal it's not rocket science we're in XX/XX/XXXX!
Consumer complaint received 2018-04-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

CRA VIOLATION WERE DISPUTED WITH EQUIFAX ON XX/XX/2018. I DID NOT RECEIVE ANY FILE BACK AFTER 30 DAYS.