davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
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. (FL)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2021-05-18
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: AMERICAN EXPRESS COMPANY (CA)

I applied for an AmEx Gold Card, partly because there was a promotional offer to earn 75k points after spending {$4000.00}, and I had a big purchase to make which would help me reach that goal quickly. I also read that AmEx has an " Instant '' card feature, whereby you could get your card number immediately upon approval to use right away : the website says " Instant Card Number is available for all American Express Consumer Credit and Charge Cards. '' [ https : //www.americanexpress.com/us/credit-cards/features-benefits/digital-wallets/instant-approval-credit-card/ ] However, the language is confusing : while it says something about " eligible '' customers, it does not define eligibility in any meaningful way : only saying that it must " authenticate '' users. Because I have a strong credit score and history, I did not expect this to be a problem. 

However, after applying, I did not receive this feature, and chatted using their customer service chat. I got a lot of confusing corporate-speak, essentially telling me that I did not read the terms. I explained that I did, and that I felt as though this process were misleading : again, there is no detail on what makes someone eligible or not. More importantly, there is no way to opt-out of the application if one is not determined to be eligible. For a significant card benefit, I would think that I should have the right to cancel my application if I am determined not to receive this benefit. I was not able to make an informed decision about whether I actually wanted to proceed with my application. 
Instead, it just approved me for a card with different terms than I wanted. 

I was also concerned that I had now just had an inquiry on my credit report, which would " count against '' me. I asked to have this reversed and was told I had to call tomorrow during limited business hours. Online chat could not help me and there was no way to send an email or message. This is just ridiculous! If I could apply for a credit card and receive support online, why should I have to call the next day? I have spent over an hour now on this process, ultimately ending up without the card and now with my credit score negatively impacted -- and I'll now have to spend more time fixing this. 

I'm sure this is all above board legally, but I find it disingenuous and misleading. I should have known better.
Consumer complaint received 2021-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (CA)

There is more than one issue : For over 2 years Ive been contacting Experian about a computer glich in their Experian Boost system that is through XXXX. Im not sure how it works but EVERY SINGLE DAY, at LEAST once a day, my bill-paying bank account from XXXX XXXX XXXXXXXX gets disconnected from the XXXX XXXX system so it doesnt see all the bills I pay on time every month. XXXX  has already removed my utility bill, my cell phone bill and my XXXX bill. This issue is frustrating. 
Also, my credit score just dropped XXXX points because, according to XXXX, all my credit card companies are not reporting my credit utilization. Only a few. Ive worked on my credit score for 7 years now. I understand how credit works better now but the XXXX point decrease seems highly unfair given I just graduated from Freedom Debt Relief with zero debt. Once you guys fixed the XXXX error, my score dropped by XXXX points. Why is this happening? 
And Why isnt anyone at XXXX fixing the computer glich that keeps disconnecting my only bill paying account? 
And, Why arent the credit card companies reporting my current credit utilization?!!!!! 
I have no debt, I pay my bills every month on time yet my score went down by XXXX. Please fix what you can. This is so unfair. Ive been crying all day. What a waste paying back all these corporations and not saving for myself. Shame on me for trying to be a responsible citizen. XXXX POINTS!!!!
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (TN)

Debt Validation Notice ( 15 U.S.Code 1692g ) XX/XX/2022 Re : ACCOUNT NUMBER : XXXX Dear, Great Lakes Educational Loan Services , Inc . 

I am a natural person and federally protected consumer pursuant to 15 U.S.Code 1692a ( 3 ). This is my written notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2022-01-27
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. (NC)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-05-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (CA)

I have already contacted the XXXX about this matter and the company responded ( XX/XX/XXXX ) but did not provide any information as they stated they would. 

I have never heard of this company before. I have never done business with them. I have never been in contact with this company. I have no idea if this company is in XXXX XXXX or XXXX XXXX, California. They negatively reported me to the credit reporting agencies in XXXX and XXXX of XXXX. This has had severe negative financial consequences to me.
Consumer complaint received 2022-01-27
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-27
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)

Cracked since the data breach of XXXX I have struggle to maintain clean credit not go into debt and pay my bills on time although it looks as if it's gone to waste since random accounts show up with arthritis charges on my current accounts and I struggled to know why the credit bureaus are allowed to display this inaccurate information after I have several times over the past three years requested is being removed. Finally why are credit bureaus allowed to not upload a TC reports all three of their different platforms unless you are a paid customer?
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (VA)

Hi, I was XXXX 's customer from the last 5 years, I upgraded to a new device during the pandemic when all the retails shops were closed, so XXXX mailed me the device, i never got the device it was lost in transaction, told them and they send me the new device, which i returned within the return exchange period, paid the charges for it as well, however every thing was acknowledged by XXXX customer services 7 times, that i never got the first phone, and they got the returned device, they even acknowledged that my last bill will be XXXX dollars, i don't have any proof because they have record of all the conversations, and my access to the account was closed when i closed my account with them, after all that they suddenly send me a bill of XXXX US dollars, which was the cost of 2 devices, i disagreed and made complaint several times from the past 10 months and now they have come down to 1 device, and asking me to pay through collection agency the amount of XXXX US Dollars, which is in sane, i don't owe them any thing except my last bill which is XXXX  dollars, they are putting thing on me and i just cant bare this anymore, they have destroyed my credit history, i have disputed the debt 4 times but every 3 months a different collection agency gets involved, with their charges as well, i dont have any proof since they every thing was online and i don't have access to my account, kindly please help me from this corporate giant, i am very upset and very disturbed from this matter, as i don't owe them the amount they are claiming. 
Regards XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Meridian Financial Services, Inc. (VA)

The person from the agency has a XXXX. It is impossible to understand her. I asked to speak with someone else and she refused. She was hateful and abusive. Told me I had to pay money I did not owe and her outrageous collection fee. Very unprofessional and demeaning.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

JPMCB CARD                          I DEMAND THIS INQUIRY BE REMOVED IMMEDIATELY  
Important dates
Inquiry date
XXXX XXXX XXXX  Removal date
XXXX XXXX
Additional details
Business type
Bank Credit Cards
Contact info
Address XXXX XXXX XXXX XXXXXXXX
Phone number XXXX XXXX
Consumer complaint received 2022-01-27
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. (MI)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I sent a cease and desist letter to XXXX XXXX XXXX. I never gave them permission to communicate with me on any medium and I have requested that they stop communicating with me on all mediums, included but not limited to : credit reporting agencies, telephone, mail, social media etc. This letter was sent via certified mail, and I have attached the letter and certified mail receipt attached to this complaint.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim *of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. XXXX Account Number XXXX XX/XX/XXXX {$2100.00}, XXXX XXXX XX/XX/XXXX {$2000.00}, XXXX XX/XX/XXXX {$8000.00} XXXX XXXX ending in XXXX
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Recovery and Collections, Inc. (CA)

Sentry recovery and collec states I owe for an apartment I never lived at nor rented. I've tried to dispute it and nothing changed. I lived at XXXX XXXX XXXX XXXX. This is not my account and someone opened this account fraudulently. I need this removed from my credit report
Consumer complaint received 2022-01-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (AZ)

Westlake Financial Services is attempting to collect an alleged debt that is unvalidated pursuant to 15 USC 1692g, furthermore Westlake Financial Services did not give me notice of my right to dispute the alleged debt pursuant to 15 USC 1692g ( 3 ). I am the consumer and the only one that can validate my obligation to any alleged debt pursuant to 15 USC 1692g, I have requested that Westlake Financial cease and desist all communications with me in relation to the alleged debt pursuant to 15 USC 1692c ( c ). I have also requested the name and address of the original creditor to whom the alleged debt is owed pursuant to 15 USC 1692g ( b ).
Consumer complaint received 2022-04-11
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 XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Consumer complaint received 2022-01-27
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. (SC)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-05-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NJ)

My name is ... and Im writing to you to complain about the response I received from M & T Bank to my request. 
On XX/XX/XXXX I sent by mail and email my request to M & T Bank, along with the documentation ( attached ). 
On XX/XX/XXXX I finally received an answer from the bank, by email, after I requested it by phone ( attached ). I noticed that the response its automatically generated by the software, it is not addressed to myself and does not contain any explanation related to the case I brought to the banks attention. 
In fact, Im the third borrower, along with my ex in-laws ..., .., on a property located on .... 
In XX/XX/XXXX, I got divorced from my ex-husband ... and stipulated in the divorce agreement, that he will be starting the process of removing my name from the mortgage obligations, as well from the title and deed. He was the one who took care of all mortgage obligations, on behalf of his parents. He started the process to fulfill those obligations ; unfortunately he passed away on XX/XX/XXXX. The mortgage payments were made by my ex-husband estate for more 3 months ( XX/XX/XXXX XX/XX/XXXX XXXX On XX/XX/XXXX, I started the legal process through the court to remove my name from the mortgage, title and deed obligations, and substitute myself with the estate of XXXX XXXX. 
On XX/XX/XXXX, ... t granted my motion to name the Estate of ..., .., Administrator ( the Estate ), as the substituted party in place of plaintiff, ... ( attached ). 
In the light of all these, I consider the bank did not evaluate my case with proper attention. 
Im a client of the bank and definitely I was not treated accordingly. 
My case is very complex and thats why requires legal instrumentation ; it seems that it was a very easy decision for them to deny my request. More than that, it took over 30 days to decide it. 
I come to you asking for help in determine the bank to approach my case in a professional manner, to take in consideration the court order along with all the documentation I have and to make a fair decision. 
I cant afford to have an attorney, my financial situation is on a surviving mode, my credit score is ruined and reduced my chances to get a better job, to pay for my daughter college, to secure housing in the future. 
I dont live on that property ( the other two borrowers live there ) and Ive never lived.