davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MI)

on XX/XX/2020 i purchased a pair of sunglasses in XXXX, GA on our way to XXXX XXXX for vacation. On the second day of our vacation now XX/XX/2020 we were enjoying the beach and swimming in the ocean and my sunglasses were stolen off of our chair. Within the American Express Purchase Protection benefits stolen items are covered. After filing a claim with them ( the first time i have ever filed any such claim ) it was denied as " mysterious disappearance '' and as such not covered. This feels EXTREMELY ambiguous and ripe for abuse. They stated i was unable to provide proof that my item was stolen although all i was asked for a receipt of the purchase which i provided. Upon doing this leg work at no point was i given any inclination that i needed to become a private investigator for the insurance company to provide proof of this theft. Based upon my history or lack there of when it comes to filing such claims i feel the offer of " Purchase Protection '' is a deceptive practice and one that misleads a general consumer. If the insurance company does not want to cover stolen items then it should not be promoting this as a benefit and drastically modify their disclosures to be understood by the general public.
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: USI Solutions Inc. (PA)

On XX/XX/2020, I spoke with XXXX XXXX at USI Solutions after she left a voicemail on my phone as well as my mother 's phone. Her extension was Ms. XXXX told me that I owed a debt to XXXX XXXX, which I do not. XXXX XXXX is a scam website that purportedly sells airline tickets. After purchasing a ticket off of the website, I received a ticket that was in the wrong name. The XXXX XXXX refused to refund my money. I called my credit card company XXXX XXXX, and they refunded me the money. 

Ms. XXXX incorrectly told me that I owe money, which is the first problem. Ms. XXXX indicated that USI Solutions and XXXX XXXX would report the debt negatively on my credit. 

To make matters worse, Ms. XXXX then told me that I would be banned from flying on all major airlines if I did not pay the debt ( which again I do not owe ). Not only is this a lie, but it felt like a threat. I hope that USI Solutions will provide the recording where Ms. XXXX acted illegally. 

Please see the following reviews for examples of XXXX XXXX fraudulent practices : XXXX XXXX XXXX
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Investors Servicing Corporation, Atlanta, GA Branch (NC)

I purchased a car from XXXX XXXX XXXX in XX/XX/XXXX this company was sold to First Investors around XX/XX/XXXX. I have disputed the late payments being reported from XXXX XXXX XXXX to First Investors. I received a notice stating that First Investors verified the information from XXXX XXXX XXXX   and the payments are accurate, and have been verified. This is untrue as no one works in XXXX XXXX XXXX any longer. I discovered this from doing research on my own. The company has dissolved. I spoke to a rep from First Investors that stated that they verified the payments going back to XXXX as they used records that XXXX provided them. My question is how can this be validated and verified as XXXX reported the information incorrectly. This would make the entire payment history of late payments unverifiable and unable to be validated. There are many incorrect payments statuses on my credit report that XXXX XXXX XXXX posted but it is listed under First Investors.
Consumer complaint received 2020-02-20
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and many unknown accounts popped up with my name and social listed. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts has been trying to continue to open more accounts and inquiries were not made by me. Please take these fraudulent items off my report. 

XXXX  XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$710.00} XXXX  XXXX {$960.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$240.00}
Consumer complaint received 2020-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and many unknown accounts popped up with my name and social listed. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts has been trying to continue to open more accounts and inquiries were not made by me. Please take these fraudulent items off my report. 

XXXX  XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX {$880.00} XXXX  XXXX  XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$880.00} XXXX  XXXX  XXXX  XXXX {$710.00} XXXX  XXXX {$960.00} XXXX  XXXX  XXXX  XXXXXXXXXXXXXXXXX {$960.00} XXXX   XXXX  XXXX XXXX  XXXX {$240.00}
Consumer complaint received 2020-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inaccurate information on credit report. Please remove from credit report all inaccurate information listed below. This is a FTC violation. 

1. XXXX XXXX XXXX {$990.00} XX/XX/XXXX 2. XXXX  XXXX {$2200.00} XX/XX/XXXX 3.  XXXX XXXX XXXX {$93.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$9100.00} XX/XX/XXXX 5. XXXX XXXX XXXX {$11000.00} XX/XX/XXXX 6. XXXX XXXX {$650.00} XX/XX/XXXX 7. XXXX XXXX  {$16000.00} XX/XX/XXXX
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (TX)

I have a credit card ( VISA ) from Elan, which was issued by the XXXX XXXX XXXX in XXXX, TX. The card always had an interest rate of 9.90 %. On XX/XX/19, I made a purchase of {$5000.00} and one for {$61.00}. I would not have used this card if I thought it had a high interest rate. I was not charged interest in XX/XX/XXXX, but the recent statement had my " purchase '' under a 16.49 % interest rate. I was never informed about the rate change. I called, and after getting nowhere with a representative, asked for a supervisor. He could not explain to me what happened to the 9.90 % rate ( which is still shown on my statements XXXX, and was unwilling to make any adjustments. Under the high rate, the interest amount for just two months is {$140.00}. Again, there was never any notice from Elan about rates going higher.
Consumer complaint received 2020-02-20
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)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 



Please send me an updated credit report after you have deleted the inaccuracies. Thank you.
Consumer complaint received 2020-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 



Please send me an updated credit report after you have deleted the inaccuracies. Thank you.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (CT)

On XX/XX/2021, my XXXX year old son received a solicitation to open/use a NETSPEND XXXX by XXXX card. He does not have a job and did not apply for this card. When I tried to contact the company to see why he was sent the card, I could only reach a voice prompt that said I could press 1 to activate the card or 2 to deny the card. When I pressed 2, I was told I had to enter the card number and the # sign for this option. I was not comfortable with doing this option. 

I do not think it is right for a bank to reach out to a minor with this type of offer.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is my third complaint against experian. Experian NOW has my overall credit usage at a WHOPPING 990 % ... ... ... ... I thought 100 % was the highest. My former complaint was that experian was reporting falsely that 100 % credit usage was wrong. And now 990 % is super super glitch wrong. What is happening.
Consumer complaint received 2020-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed my information with XXXX, XXXX, and TransUnion on XX/XX/2020 and the problem hasnt been corrected. Its been over 30 days
Consumer complaint received 2021-06-15
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. (FL)

I have been a XXXX and XXXX XXXX card holders for over 3 years combine. I have never been late until the last year XXXX, and the reason for my lateness are because I was laid off from work and I had no source of income. I had to use my Credit cards to survive and stay afloat, in the process I missed a payment or two. I payed both cards complete off. 

In XX/XX/XXXX I was still laid off and couldnt obtain any suitable job, and the worst was yet to happen. On XX/XX/XXXX I lose both my XXXX  and XXXX to XXXX and I use my credit cards again to pay for theyre funeral and in the process I was late again. I am asking please give me this one time good will adjustment I learned from my mistake Ive set up automatic payments with all creditors and been paying on time. The late payments are hindering me from getting approved for a mortgage loan and auto loan which I desperately since my lease is almost over and my vehicle broke down. Please I beg you to consider a late payment forgiveness towards my credit report.
Consumer complaint received 2020-02-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (OH)

I am writing to you to complain about Santander Consumer USA XXXX XXXX XXXX, XXXX XXXX TX. I have no known unpaid accounts with this business and after repeated verification request Santander has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XXXX, XXXX, and XXXX  as recent as XX/XX/2020. Santander has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of {$300.00}. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact Santander multiple times via registered USPS certified mail with return receipts which prove Santander has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Santander has misrepresented this account by reporting a past due balance in the amount of {$300.00}. This account has been paid in full and has never been past due. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!
Consumer complaint received 2020-02-20
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (IN)

Student loan provider Navient is having active accounts expire for no reason. They cant tell me why and can only give me the timestamp when it happened. This is an IT/software issue and their solution to creating a new account is not addressing the root problem.
Consumer complaint received 2022-12-15
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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-02-20
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: EQUIFAX, INC. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and many unknown accounts popped up with my name and social listed. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts has been trying to continue to open more accounts and inquiries were not made by me. Please take these fraudulent items off my report. 

XXXX XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$710.00} XXXX  XXXX {$960.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$240.00}
Consumer complaint received 2020-02-20
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: EQUIFAX, INC. (FL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 



Please send me an updated credit report after you have deleted the inaccuracies. Thank you.
Consumer complaint received 2020-02-21
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: Convergent Resources, Inc. (CA)

I received an alert that I have a collection on my SSN with XXXX on XXXX XXXX, XXXX by Convergent Outsourcing. My immediate action was to check the details. The collection was referring to a XXXX account opened in XXXX, XXXX and the amount was {$430.00}. I have NEVER had a XXXX account. 

I informed XXXX right away that this is not my collection. 

I sent a complaint XXXX ID # XXXX XXXX to Convergent Outsourcing on XXXX XXXX, XXXX. 
I provided Convergent Outsourcing with my SSN on XXXX XXXX, XXXX to investigate and remove this false record I sent an e-mail requesting confirmation that they've received everything needed to work on my case on XX/XX/XXXX Since I have received nothing from Convergent till today, I sent a second complaint ( ID # XXXX ) to them on XXXX XXXX, XXXX with all pertaining facts. 

My problem is that they dropped a collection out of nowhere on my SSN, and the strangest fact is that they are collecting for the provider XXXX where the account was dated XXXX XXXX. I have never used this provider!
Consumer complaint received 2020-02-21
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. (CT)

Noticed several accounts that I have never done business with on my credit report. They list as first premiere, XXXX XXXX XXXX, credit center, XXXX XXXX XXXX, and XXXX XXXX XXXX. I believe these accounts have been obtained fraudulently.
Consumer complaint received 2022-12-15
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. (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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (AZ)

I mailed out a certified letter to SEQUIUM ASSET SOLUTIONS starting on XX/XX/2021, and allowed the 30 day window for collections agencies to respond to disputed collections, they failed to respond to my request in its entirety, so I followed up with another request allowing them an additional 15 days to respond and again they failed to respond, to this day I have received no communication from the company but yet they are still reporting invalid information on my credit reports from all 3 bureaus.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (AZ)

My social security number has been stolen and is circulating on the deep web. I have reached out to Synchrony Bank and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX XXXX XXXX is now in the XXXX 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Consumer complaint received 2020-02-20
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. (AR)

This is the second time my identity has been compromised. I don't understand why this continues to happen to me, but there are several accounts that were open under my name that are not mine and need to be removed. Please remove these fraudulent unknown accounts from my report. 

DEPTEDXXXX XXXX {$11000.00} DEPTEDXXXX XXXX {$3400.00} XXXX XXXX  XXXX {$26000.00} DEPTEDXXXX XXXX {$21000.00} DEPTEDXXXX XXXX {$6100.00} DEPTEDXXXX   XXXX {$20000.00} XXXX XXXX {$3200.00} XXXX   XXXX {$3700.00} DEPTEDXXXX XXXX {$7500.00} XXXX XXXX   XXXX {$23000.00} US DEP ED XXXX {$34000.00} XXXX XXXX {$5700.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$2800.00} XXXX   XXXX {$7100.00} XXXX XXXX {$990.00} US DEPT ED XXXX {$8500.00} UD DEPT ED XXXX {$9000.00} XXXX   XXXX {$5300.00} XXXX/XXXX XXXX {$0.00} XXXX XXXX  XXXX {$430.00} XXXX  XXXX XXXX {$480.00}