davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

there are numerous inaccuracies reported on my credit report, including unauthorized hard inquiries, unrecognized accounts as well as incorrect demographic information. I have reported these issues to Equifax, XXXX and XXXX since XX/XX/2021.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

American Express had a $ XXXX/month statement credit for using XXXX ( for platinum cared " members '' ) Turns out as of XX/XX/2021 they changed that credit and signed me ( and I assume many many others ) to an XXXX subscription with no notice, for $ XXXX/month.

When I inquired, Amex made it incredibly difficult to contest the charge, taking more than 2 hours and multiple reps and at least one supervisor to NOT resolve the issue.

When Amex told me I signed up for it, there's NO PLACE ON AMEX 's site to unenroll. 
They told to unenroll on XXXX 's site, but I'm not enrolled via XXXX 's site. How do I know? because I can't unenroll and it offers me to ENROLL.

Btw XXXX is even worse only way to contact customer service is via XXXX. Not their app, not their website.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (NY)

n accordance with the fair credit reporting act this agency XXXX XXXX XXXX Account number XXXX has violated my rights.

15 usc 1681 section 602 A. states i have the right to privacy 15 usc 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 2019-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (CA)

NRA has not sent me any document proving their reported account on XXXX under my name with the right day of first delinquency. It means they have not responded to any of my complaints since I requested ( please see the attached receipt of USPS ).
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank, owner of XXXX XXXX XXXX, Master card, Accounts. On trying to get my cash Rebate for 2018, Purchases made, closes my Account, without my approval. I have been with XXXX XXXX XXXX for more than 20 Years, never late, never over drawn on my limit, I have been very upset on being treated in such an Insulting manner, never the less, now the XXXX Bank is saying since my account has been closed, my earned Rebate is vanished, no managers coming on phone to resolve the matterXXXX.Now the Bank is sending me letter mentioning that My Account was closed on my Request which is a Total LIE.
Consumer complaint received 2022-06-20
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. (FL)

I recently noticed that my information was exposed in a nationwide data breach. When I checked my consumer report I noticed there was fraudulent information being reported. I reached out to Experian and submitted an FTC identity affidavit, Proof of address, and identity, however, and requested the fraudulent information to be blocked. I recently checked my consumer report with Experian and noticed that an account was reinserted into my consumer report. Five business days have been overdue and I never received notification that the information was being reinserted. I doubt that Experian would willfully and knowingly reinsert fraudulent information and not inform me of the reason or status regarding the matter. I'm left to assume that this must be some form of mistake as I already reached out to the creditor to address the issue. this information should be blocked from my file. Also, I would like to be notified of any adverse information being submitted to my consumer report. I never gave the company XXXX XXXX  a permissible purpose to furnish any of my information. I did notify them that if they have been given consent to furnish my consumer report the consumer revokes or opts out of having my information shared. Experian is not in compliance with the code of federal regulation regarding this matter however I understand that mistakes can happen but also this is damaging me and defaming my character. How am I supposed to receive an extension of my credit if there's fraudulent information adversely affecting my person?
Consumer complaint received 2022-03-07
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. (AR)

Credit was pulled without authorization on the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

They sent me a letter via email : I can also see another dispute in process. This was initiated on XXXX XXXX file number XXXX, estimated completion date XX/XX/XXXX. You should received a notification about the result of this dispute soon. 

We want to make sure any mistakes on your credit report get corrected as soon as possible. It looks like there was a communication issue with XXXX that prevented us from getting a status update about your recent Direct Dispute request. 

Heres what to do next : Check your XXXX  credit report to see if the error you disputed is still there. 
If that error hasnt been updated or removed, submit a new dispute request directly with XXXX at XXXX XXXX XXXXXXXX  ( You'll need to create an account with XXXX and follow their steps. ) XXXX  will alert you of your dispute status. 
XXXX XXXX will cancel the dispute you initiated with our Direct Dispute tool. 
Youll get a follow-up email from XXXX XXXX that your dispute was cancelled. This doesnt affect any disputes you initiated directly at XXXX and youll still be able to submit disputes with XXXX XXXX in the future. 
Make sure to take action so that your disputes get resolved. 

I hope this information helps you. Remember you are very important to us, if you need more information don't hesitate to contact us back again. 

Thanks for your preference and for being a valued XXXX XXXX Member. 

Regards, XXXX XXXX Member Support ref : XXXX : ref I requested validation through a direct dispute with XXXX by providing my original signature, that I agreed to these negative accounts to show that their was a meeting of the minds agreeing to these accounts and their terms. I filed my dispute on the XXXX XXXX  site directly with XXXX  on XX/XX/2021 and today is XX/XX/2021. This is thirty one days without completion and all negatives has not been removed. Please remove all of my disputed accounts.
Consumer complaint received 2018-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

According to the UNITED STATES SECURITIES AND EXCHANGE COMMISSION XXXX XXXX XXXX FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15 ( d ) of The Securities Exchange Act of 1934, Dated of Report : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX were sold to XXXX XXXX XXXX on XX/XX/XXXX. See attached XXXX. 

Mortgage Assignment from XXXX XXXX XXXX XXXX   to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX dated XX/XX/XXXX is invalid based on at the least these findings. 
A - According to the SEC Form 424B5 - Prospectus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cut-off Date was XX/XX/XXXX with a Closing Date On or about XX/XX/XXXX. XXXX XXXX. 
B - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX were sold to XXXX XXXX XXXX on XX/XX/XXXX. See Attached. 
C - XXXX XXXX XXXX XXXX  XXXX is the Depositor. The assignment of the note and mortgage from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rather than from the Depositor, violates the Pooling and Servicing Agreement which requires that the Depositor deliver to and deposit the original note, mortgage and assignments to the Trustee. Under XXXX XXXX Trust Law, every sale, conveyance or other act of the trust in contravention of the trust is void. XXXX XXXX. 
See Attached PSA.
Consumer complaint received 2018-05-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe (MD)

This is a complaint against XXXX XXXX dba XXXX, whose mailing address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX. 
In XX/XX/2016, XXXX XXXX dba XXXX issued me an online payday loan in the amount of {$750.00} with an annual percentage rate ( APR ) of approximately 662.68 % interest ; with repayment of {$230.00} every two weeks for 20 weeks. The terms of this loan which were laid out in fine print involved automatic renewal of the loan every few weeks, which made it virtually impossible for me to pay back the loan within a reasonable amount of time. 

Therefore, I solicited assistance from XXXX XXXX XXXX  and/or XXXX XXXX XXXX, a payday debt consolidation program. However, I withdrew from the program because the cost of their services increased my debt, there was no reduction in my debt and the timeframe in which they expected to settle the debt was not reasonable. I have revoked and hereby revoke XXXX XXXX XXXX XXXX XXXX XXXX power of attorney and they are no longer authorized to discuss this account on my behalf. 

At the time the loan was issued I resided in the State of XXXX  where I still reside for more than 30 years. It have been made aware that XXXX law requires all payday lenders including internet payday lenders that make loans to XXXX residents to comply with its provisions, including licensure provisions and rate caps. Pursuant to XXXX. Code Com. Law 12-101 et. Seq, payday lending in all forms, including online loans are prohibited ; and XXXX Law requires business and lenders be licensed in XXXX. 

XXXX XXXX dba XXXX is not and has never been a licensed business or lender in the State of XXXX which makes the loan issued void and not legal or binding.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (UT)

Prestige Financial a debt on my credit file that I do not owe. This debt was included in my Bankruptcy # XXXX. They are in violation of the Bankruptcy Law Act for continuing to report a balance. They are also still updating every month. This needs to be fixed.
Consumer complaint received 2018-05-22
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. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Consumer complaint received 2021-12-02
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. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding inaccurate unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed.
Consumer complaint received 2018-05-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Immediate Credit Recovery (IN)

The department of Education started garnishment of my employment wages for {$12000.00} XX/XX/XXXX I do not accept the debt under proof of claim the department of Education have not produced any original documents that I signed as proof that I owe anything I contacted the department of Education on XX/XX/XXXX to find an {$8500.00} balance and more uncooperative conditions by the department of Education I tried to stop further financial damages I coresponded certified mail an overpayment of {$15000.00} to cover the balance, processing and administrative fees payment was kept by the department of Education but the account was not credited garnishments of my wages still continue rendering bad credit reporting to the Credit Bureaus I coresponded by phone to the department of Educations collection agency stating I shouldnt have to pay a debt I dont owe unless hard wet ink evidence is provided not a fabricated copy nor should I have to continue to pay a debt I already paid in full the collection agency forwarded me to the department then I was forwarded back to the agency followed by coresponding a letter from the department limiting my communication to the third party collection agency only.
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (TX)

An incorrect charge came through to my Barclay 's credit card in XXXX XXXX. After going through many different departments to try to rectify the charge Barclay 's has been unable to progress my case further. I have had several phone calls on a minimum of a monthly basis with Barclay Card. 
Most recently I had a manager call me in XXXX XXXX and she agreed this is a strange case and said she would look into it more and help me. It is now XXXX XXXX and the charge is still on my card, gathering interest. Every time I call the company or the company calls me it ends without resolve. The charged happened at a hotel and the hotel has no record of the disputed charge on their side.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a credit card with Capital One. Towards the end of last year, my income ended. I did my best to keep up with payments, but eventually the money ran out. I called capital one for assistance and they offered me the option to pay or pay. There was no forbearance program, and if I wanted to delay payment, I had to know exactly how much I would be able to pay and exactly when before I had even found a new source of income.
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Purchased : Tue, XX/XX/XXXX Posted : Thu, XX/XX/XXXX Services I never received I would like to be refunded. I never received services. They rebilled me for services stating they refunded me and XXXX   rebilled me. The said they never rebilled. Im seeking a full refund and any fees associated
Consumer complaint received 2022-03-07
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. (SC)

On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-12-16
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: EQUIFAX, INC. (GA)

I contacted Equifax on XX/XX/XXXX and made them aware of an inquiry on my credit report that I did not authorize and is a result of fraud. The inquiry and date is XXXX XXXX on XX/XX/XXXX. I have an active fraud alert on my consumer report with XXXX  and I extended it for another 90 days in attempt to prevent any further fraudulent activity. Equifax also has a copy of a police report on file from the related incident.
Consumer complaint received 2019-03-28
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: Experian Information Solutions Inc. (CA)

I have tried multiple times to pull my credit report with multiple different company 's. I have tried to pull my credit report with XXXX XXXX and was receiving dashes for all of the information. I reached out to the three credit bureaus and they stated all of my information was correct. I waited about a week and tried to pull my report through XXXX XXXX again. Now it was reporting information but said it was last updated XX/XX/2018. I reached out to the three credit bureaus again and they stated all of my information is correct I should not have an issue. I waited another week and tried through XXXX XXXX again and I had a XXXX score with XXXX but showed I have no credit history. XXXX was showing dahes. I had no score with XXXX. I reached out to all three of the credit bureaus again and they stated they have my social and all of my correct information but XXXX XXXX still is not showing me having any credit at all. I have tried to pull my credit report with all three credit bureaus through XXXX XXXX and received an error stating my social was not correct. I contact all three credit bureaus and they stated that my social is correct. I tried XXXX XXXX 2 more times and was still not able to get any information. Also, I have tried pulling my report through XXXX and was able to access my report for XXXX and Experian but it shows I have no credit at all. XXXX would not let me even access my report. I have done contacted each of the bureaus 6 times and still have no information reporting.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I checked my reports online. XXXX and XXXX. Are reporting XXXX XXXX collection account. Which has opening dates inconsistent. On All three Credit Reporting Agencies Reports. This account is XXXX XXXX. Which was sent to XXXX XXXX XXXX XXXX. For collections from XXXX XXXX. This account shows on All three of my Credit reports. Okay its inconsistent information. Which means this account should be removed.
Consumer complaint received 2022-03-07
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)

On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-28
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. (FL)

I have a 30 days late payment XX/XX/2018 XXXX XXXX XXXXI was in shock because I was never late in my payments.The information is incorrect.
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC (GA)

I previous sent a letter to this company telling XXXX XXXX XXXX XXXX don't contact me about some bogus account they claimed I had with Indigo in year XXXX. They have continued to contact me by mail and by phone the number is XXXX which I screenshot on my cell phone. I was a victim of identity theft last year and it also shows on my credit report. They sent a Bill of Sale that is Post Dated A Year Prior saying this is when they purchased the Debt on XX/XX/XXXX. I have never had an account with Indigo and would appreciate if they remove this from my credit report and stop contacting me. I sent a letter to them because I thought they were an account from me being in collage paying for books which account was paid off now they say it's a credit card that I never received or seen a day in my life.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I mailed a letter with the same information below and got no response. 

Im sending this letter to dispute the following fraudulent inquiries. Below is the name of the companies and the date of the inquiry. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX