davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

XXXX Equifax and XXXX all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are XXXX : high bal XXXX XXXX  : high bal XXXX equifax high XXXX XXXX  last activity XX/XX/XXXX XXXX  las activity XX/XX/XXXX equifax last activity XX/XX/XXXX XXXX XXXX owed XXXX XXXX  XXXX equifax XXXX XXXX  says paid on time until XX/XX/XXXX then nothing i would like them completely removed from my report these and several others cost me a mortgage and a really high percentage rate on my auto loans
Consumer complaint received 2022-03-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

Experian has continued to report several negative account information on my credit report past the statute of limitations. I tried to resolve this before and their response was the investigation stands and the customer disagrees with the outcome. 

Experian knowingly, consistently and willfully reported outdated negative information which has caused harm to this consumer. Calling Experian was useless and uneventful and resolved nothing.
Consumer complaint received 2019-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

Dear XXXX XXXX XXXX XXXX : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
Consumer complaint received 2023-09-15
Product: Credit 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 (CO)

Hello, I applied for the Amex XXXX XXXX XXXX credit card and was approved on XX/XX/2023. I signed up using a bonus offer through XXXX where the terms state one can " earn a {$200.00} statement credit after you spend {$2000.00} on the card within the first 6 months of card membership. '' I have attached a screenshot of the offer advertisement. 

I hit the threshold very quickly, as I had a couple of large purchases planned. I have included a screenshot ( with no personal information identifiable ) of my first statement that shows I hit the {$2000.00} threshold on XX/XX/XXXX. 

The promotion terms stated I could expect to receive my {$200.00} statement credit between 8 and 12 weeks after one hits that threshold, between XX/XX/XXXX and XX/XX/2023. After XX/XX/XXXX passed, I called and filed an Escalation Ticket ( ID : XXXX ). After several weeks passed without me receiving the {$200.00} credit, I called back on XX/XX/XXXX. They then told me the " deadline for resolving the ticket is today! So you should see it within a couple of days! '' It has now been over a week, and I do not want to keep calling them when clearly they aren't resolving anything. 

I have also attached a screenshot of the full list of statement credits and payments that have been made since I opened my account.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX, I disputed the account for XXXX/XXXX XXXX - XXXX XXXX XXXX XXXX it shows as open and I'm currently late. The account was closed and sold in XXXX or XXXX. I paid the new company in full in XX/XX/XXXX. Both the company and the credit reporting agencies ( Experian and XXXX  ) continue to report inaccurate information, even after I've provided them with the correct and updated information. XXXX XXXX XXXX, XXXX provided me a letter stating, the account has been sold, but they continue to update with erroneous information. 

XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX Paid XXXX ( XXXX XXXX XXXX XXXX account was sold to ) in XX/XX/XXXX Notified Experian, XXXX  , and XXXX  XXXX XXXX in XX/XX/XXXX and again XX/XX/XXXX to correct credit report. 
XX/XX/XXXX - XXXX/XXXX  XXXX ( XXXX XXXX XXXX, XXXX ) updated erroneous information again.
Consumer complaint received 2019-02-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Credit Services, Inc. (GA)

Since XXXX my taxes were taken or withheld because of a student loan i didn't take out. I never recieved a letter or notification about this loan until after it was deducted from my taxes. However the loans that i did have were being paid off and as of XXXX were paid off completely. I have documenta for proof. I tried contacting collectors and they kept asking for my social security number. Then said they didnt see a loan on my account then proceed to put me on hold. And eventually hung up on me. This was in maybe the beginning of XXXX. I called again asking them to send me information about this loan and they refused unless i gave them my ssn. Since then i havent recieved a notice from the collect but still the next year my taxes were taken or withheld again. This is a fraudulent loan that i need to get rid of. Thanks
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (OR)

First week of XXXX my wallet was stolen and my identity was used to attempt to get a PayPal Credit account. I received a letter stating that I attempted to get a PayPal Credit Account and was refused. I am in no need of an account and I just wanted to report it. Thank you for your time. Reference # XXXX
Consumer complaint received 2019-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (CA)

XXXX XXXX XXXX  Credit Card - I closed the account due to charges that were not mine. 
Issue was not resolved. The account was charged off in XXXX. 
XXXX XXXX XXXX - I received threatening notices and calls in XXXX. The amount had gone up to {$9000.00}. 
Cavalry Portfolio Services SPV- I Received threatening calls of garnishment and would be taken to court if I did not pay. 
XXXX XXXX XXXX Attorney for Cavalry Portfolio Services SPV - Sued me and went to trial on XX/XX/XXXX. 
Sheriffs Dept.- Received a Levy Notice shortly after trial, completed the Exempt form and mailed to Sheriff Dept. the amount went up to {$13000.00} and still adding on more interest. 
I retired in XX/XX/XXXXand living on a Pension. Had I known I was exempt from garnishment I would have told the judge. Even though I answered the Levy, I am still getting these Levy notices, I wrote to XXXX XXXX XXXX to stop. I have been getting the Levy notices since XXXX, and they don't stop coming.
Consumer complaint received 2019-04-29
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: Santander Consumer USA Holdings Inc. (IN)

My identity was compromised while I was oversees serving in the XXXX XXXX between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX 1. XXXX XXXX XXXXl 2. XXXX XXXX. XXXX
Consumer complaint received 2019-04-29
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: CITIZENS FINANCIAL GROUP, INC. (IN)

My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX
Consumer complaint received 2019-04-29
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: BARCLAYS BANK DELAWARE (OH)

I made a purchase from XXXX and open a credit card offered on their site. The order was incorrect, incomplete so XXXX sent prepaid return label. Therefore, this account should be XXXX until the items are repurchased. The new purchase is scheduled to take place XX/XX/2019 when the XXXX XXXX agent call me to correct and place a new order.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || DATE OF INQUIRY : XX/XX/XXXX XXXX XXXX XXXX| DATE OF INQUIRY : XX/XX/XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX
Consumer complaint received 2019-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX.  During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (UT)

I received an email notification from JP Morgan, Chase, indicating that I had signed up for paperless statements for my newly opened credit card. However, I did not just open a credit card and became suspicious of fraudulent activity. In addition, I also received a notification from XXXX identity monitoring through my XXXX XXXX XXXX XXXX premium checking benefit. I contacted Chase to inquire about the issue. They verified that a new credit card had in fact been opened yesterday on XX/XX/2023 in my name. I told them that I did not open that line of credit. They asked me if I considered it fraud. I said yes. They asked me if I wish to have the account closed which I did. However, they would not share any other information with me regarding how or who mightve open this line of credit without my consent. They also instructed me to contact the three credit bureaus to have a fraud alert placed on my account.
Consumer complaint received 2019-06-10
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. (CA)

On XX/XX/2019 I requested an online free credit report from Experian. Upon looking at the report I discovered that they had the wrong SSN ( which is in my opinion a cardinal sin for a credit reporting company ). I tried to dispute it online but i was informed I needed to call them. I called them and it took 46 minutes to get an unsatisfactory resolution. I requested them to change it and they did but they said that I could not have a report for 30 days ( online ) and a report in 7-10 days by snail mail. When I requested them to overnight it since my lender was waiting for it they said they could get it to me in 2 days but I would have to pay {$20.00} for it. The supervisor I ended up talking to was XXXX XXXX ( he would not give me his last name ). Since my lender needed the report asap I had to pay {$20.00} for Experian using an incorrect Social Security number on my report and for them to get me a corrected report in a timely manner. I think that this is an egregious mistake by a credit reporting bureau and they refused to correct it without me paying a financial penalty for their mistake
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (MA)

XXXX XXXX dated a letter XX/XX/2019 claiming the estate of my Mother owed their client. They did not disclosure any information pertaining to their supposed client. According to Federal Law they had 5 days from that XX/XX/2019 to validate debt. A letter of dispute was immediately sent. XXXX XXXX   sent another letter dated XX/XX/2019 disclosing their client and balance amount. Their letter is more than 30 days from their first communication once again in violation of Federal Law. Furthermore the lease signed by the decedent I represent states that it is not transferable in any way or for any reason thereby voiding it in it's entirety.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXXXXXX XXXX  Account Number : XXXX, etc.
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (TX)

Paid my credit card payment through compass and didnt have the money to cover it so got sent back. No one notified me or told me. And they kept trying to put it through all month charging me XXXX $ every time. They tried to say I didnt have money in the bank so I asked if deposits go on before withdrawals. I was told yes. Then wen I showed them the withdrawal went through at XXXX am and I got my paycheck at XXXX and deposited it, thats wen they change their mind and say no this particular withdrawal is instant even tho it never has been instant for a whole year until I showed them wat they said wasnt correct. So they just change their minds everytime you prove that they are lying. Isnt that convenient. Always a reason how theyre right and the customer is wrong. That way they can steal money from on anyone anytime they want. This needs to be stopped and compass board of directors needs to be locked up with a life sentence since theyve been stealing from Americans since they came into existence.
Consumer complaint received 2023-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (NY)

We owed XXXX business about {$200.00} - which we paid and have a cashed check as proof. Today we received a notice from a collection company called Sequium Asset Solutions , LLC saying they are trying to collect a debt of {$99.00} for XXXX XXXX from us. We absolutely do not owe XXXX a thing. We read on the reviews of Sequium that they are a scam and tried to falsely collect for XXXX ( XXXX XXXX ) from another consumer. This is wrong and I can see how someone who doesnt know any better could be scammed by this. They need to be stopped. They are listed as Sequium Asset Solutions , LLC at XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX. Their phone number is listed as XXXX.
Consumer complaint received 2019-09-24
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: JPMORGAN CHASE & CO. (MD)

JPMCB HL Mortgage has a short sale showing on my credit report for {$250000.00} and it's still updating every month prior to the short sale..The account has been closed since 2014 and sill remain on my accounts after numerous disputes with the credit bureaus. ( XXXX, XXXX, & XXXX ).
Consumer complaint received 2019-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

I am signed into their system with a login and password but can not get in. Rejected. with multiple attempts and other methods they provide fail. Attempts to use chat, mail or other online functions fail. I even changed browsers but still no good. " Call back on Monday. '' Well sorry they then attach a late fee at the stroke of midnight on an already horribly usurious loan or to pay by some other means. By opinion a great way to make extra money for the bottom line.
Consumer complaint received 2019-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

In XX/XX/2018, we were notified by Fay Servicing that we were denied a loan modification. We spoke with our representative, XXXX XXXX, and he advised us to fill out paperwork to appeal the decision and apply for a modification. We emailed and sent a copy via certified mail on XX/XX/2018 of the appeal and the paperwork. We have not received any information from Fay Servicing since by either mail, email, or phone call. XXXX XXXX said that we would receive a decision within 30 days by mail. We have not received any letter or have had phone calls returned about our modification.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.