davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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. (SC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX Balance : {$2600.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (NC)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$880.00}. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-27
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. (NC)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$880.00}. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (NY)

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying items recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$650.00} ; XXXX  Date of Inquiry XX/XX/2020 ; XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4400.00}
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have my credit report frozen and a fraud alert on my credit reports and yet for some reason on my Equifax report it shows that XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX, On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX On XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX BANK XXXX XXXX XXXX all ran my credit it and it shows up on my credit report. I have filed a dispute with Equifax and they replied with the information on my credit report is valid. When in fact it is not valid and I am a victim of fraud. 


XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX CONS XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Soft Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Account XXXX XXXX XX/XX/XXXX EQUIFAX Automated XXXX XXXX XXXX XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX XXXX XXXX CONS XXXX XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX CAPITAL XXXX XXXX CARD XXXX XX/XX/XXXX XXXX XXXX BANK Account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System All credit inquires on my report were not my doing and yet they still keep them as valid. 
I have also filed a dispute about XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX and was also told this too was valid!!
Consumer complaint received 2023-03-24
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Navient Solutions, LLC. (MA)

I am receiving harassing phone calls from Navient Solutions LLC, again, and again after reporting them, and they had agreed to take my number off their contact list. From a prior dispute that I filed here. 

Complaint # XXXX On XXXX I got a call from 2 of their agents one (  XXXX XXXX ) and Two ( XXXX XXXX ), about a student loan. When I told them that I do not know what there talking about and that I do not do business with their company and that I do not have any student loans with them they refused to let me speak to their supervisor they refused corporate and was very rude and refused to take my number off their calling list. 

I do not do business with them, I do not have any delinquent student loans, I never had any student loans, I am not delinquent on any student loans. 

They call from number XXXX which is their call center number NAVIENT CORPORATION XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2024-03-03
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: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I moved and did not receive statements at all from capital one, I have asked and signed up and still nothing. I was charged a late fee in XX/XX/2018 and the company will not refund it, even though they dropped the ball and didnt send me the statement as requested and i even called. please refund me.
Consumer complaint received 2019-01-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I opened a checking account with XXXX in XX/XX/XXXX being attracted to their welcome bonus. I called numerous times because the bonus was not deposited to my account yet, always got answer that I have met the criteria, bonus it's on the way. Now in XX/XX/XXXX customer service is telling me that I don't qualify since I have had relationship with the bank already. I have a CREDIT CARD with them that was opened before the checking account. Their offer disclosure states " Customers who held an HSBC consumer deposit or investment account not eligible for this offer. '' Credit card is neither consumer deposit or investment account, so they are doing false advertisement. 

Their customer service is terrible, horrible and outside US, I'm not getting anywhere with them.
Consumer complaint received 2018-07-07
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: CITIBANK, N.A. (CA)

On XX/XX/2018, I authorized a XXXX deposit payment to XXXX XXXX  and Title ( XXXX XXXX ) through CITIBANK Credit card. However, no discussion was bought up about the deposit policy or refund/return policy. I did not read or sign on the Sales Order where in the left corner with small notes saying that " Deposit is Non refundable and will be service charge if the customer cancel the order. '' On XX/XX/2018, I visited the store and told them that i would like to cancel the original ordered items but would like to purchase other items in their store and apply the XXXX deposit toward the new purchase. They refused. I did not take any goods or service from this store what soever. BTW, none of my original ordered items are customized order like cabinet. They are general wood floor and tiles which can be resale to any customers and therefor should be returnable.

On XX/XX/XXXX, after not reaching any agreement with the merchant, i called CITIBANK and filed a dispute. CITIBANK credited XXXX  back to my account.

On XX/XX/XXXX, CITIBANK recharged me XXXX  because the merchant responded by providing sales order with my signature, which later on i emailed to prove the signature is forged.

On XX/XX/XXXX, CITIBANK informed me via e communication email informing me that they will close the investigation based on the proof the merchant provide.

On XX/XX/XXXX, I responded back to CITIBANK via email stating that i disagree with the decision to close the investigation. I provided 2 attachment. 1 ) My copy of the Sales Order shows no sign of my signature. 2 ) I provided a payment history record between me and my contractor from XX/XX/XXXX-XX/XX/XXXX with 7 signature of mine. This proves that they forged my signature in the Sales order that they provide.I did NOT give consent that the deposit is NON Refundable under any circumstances. I did not even touch any of their goods or service, therefore i deserve to get the majority if not all of my XXXX deposit back.

On XX/XX/XXXX, CITIBANK issued a dispute letter informing me that because the merchant did not issue a Credit Receipt to CITIBANK, therefore CITIBANK can not further dispute this issue in my favor. Of course the merchant don't want to return my deposit, that is why i reply on CITIBANK to fight at my side.

on XX/XX/XXXX, i called CITIBANK dispute center. The representative told me that this investigation is closed. I will not get even 1  cent of the XXXX   deposit i was charged even though i have not take ANYTHING from the merchant. This is horrible customer service and is the total opposite of what they advised - " CITI is at your side with every transaction ''.

I am contacting CFPB to urge CITIBANK to reopen this investigation and act with fairness towards its ' own customer.
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion has not updated my credit card balance since XX/XX/2018 and the lack of them doing so is holding my credit score down unfairly.
Consumer complaint received 2022-07-27
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. (NY)

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying items recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX  Date of Inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4400.00}
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following accounts. They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! )
Consumer complaint received 2019-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

The loan amount account was closed. I called them right after I filed chapter XXXX to tell them that this car loan was not included in the chapter XXXX. I was told that Citizens Bank would hold the loan open and keep tacking the payments from my checking account every month as agreed. It has been reported to all credit agencys that Citizens Bank has closed my loan with out any notice to me or the Bankruptcy Court. Be on notice that my attorney will deal w/them by XX/XX/2019. XXXX  XXXX XXXX XXXX.
Consumer complaint received 2019-01-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I opened a checking account with HSBC in XX/XX/XXXX being attracted to their welcome bonus. I called numerous times because the bonus was not deposited to my account yet, always got answer that I have met the criteria, bonus it's on the way. Now in XX/XX/XXXX they are telling me that I haven't used the proper link. I am CONFIDENT I have used the proper link. This is ridiculous, they have the worst customer service. Before giving me this nonsense answer they were telling me they need my application number, why would I have this, thats their internal information, I am giving them account number now. 

However, I used the proper link and this makes no sense, please get it resolved
Consumer complaint received 2019-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

I am a holder of American Express Gold Personal ( # XXXX XXXX XXXX ; expires XX/XX/XXXX ) and Business ( # XXXX XXXX XXXX ; expires XX/XX/XXXX ) Credit Cards. Although I have been an AMEX customer since XXXX, I am new to the American Express Membership Rewards ( MR ) program. On XX/XX/XXXX, I initiated my first attempted use of my MR points by transferring XXXX points to my XXXX XXXX XXXX ( XXXX ) account # XXXX. I was unsuccessful in the attempted transfer and received a message indicating that my transfer was blocked because of attempted illegal transfer to an unauthorized party or an attempt to sell my rewards points. I subsequently attempted another transfer from my spouse and authorized user, XXXX XXXX and received the same error message. I immediately contacted both AMEX Business Gold Card Customer Service and XXXX and have tried to resolve the matter, receiving conflicting information. I was informed that the issue may have been because of my mispelled last name on my Business Gold Card ( XXXX XXXX XXXX XXXX which has been corrected and I have new AMEX card on the way but am stil unable to transfer my MR points. I was also initially informed by an AMEX supervisor on XX/XX/XXXX that my experience was due to a temporary glitch that AMEX was experiencing and should be resolved in 48-72 hours. Only after multiple follow up calls was I informed that my account was under internal review and all I could do was wait for a call from their department. In the meantime, XXXX does not allow placing itineraries on hold and I risk not being able to utilize my points for my desired flights At my last contact with AMEX, the case was finally escalated with a case file of XXXX. Additionally, I have not been given a timeline within which I can expect case resolution.
Consumer complaint received 2023-03-24
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)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NJ)

I purchased merchandise from XXXX in early XX/XX/2019. Upon receipt of bill from its financial affiliate, Comenity Capital Bank, I sent via on-line bank payment, amount requested. The next month I did likewise, The following month I received bill with late charge and two-month delinquency. Contacted Comenity ; they disputed receipt of payments. Demanded full payment after which late charges would be waived ; and were. Credit bureaus were never notified, which I did to correct credit damage. In contact with Comenity, I identified that they had applied my payments to my deceased husband 's account XXXX and not to my account XXXX. Comenity has refused to correct its error and to return {$150.00} it is holding in my deceased husband 's account. I reached out to XXXX for assistance but without any response to my request. 
I am an XXXX-year-old XXXX woman on a fixed income and can not afford to add to Comenity 's bottom line in this manner. 
Please help. 
my e-mail address is XXXX ; telephone # XXXX
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I moved out of the apartment complex XXXX XXXX in XXXX of this year. They charged me XXXX when I moved out for termination fees. I paid the full amount of this on XX/XX/XXXX through their website. About a month and a half later, a collection agency contacts me saying I still owe this amount. I explained that it has already been paid to XXXX and also sent them a letter but they continue to call and send me bills threatening to damage my credit score if I don't pay. I need help dealing with these people.