davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-10
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: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/XXXX I ordered ( XXXX ) 2 TV boxes with 2 lifetime warranties from XXXX XXXX XXXX and used my American Express Serve card for payment, {$170.00}. On XX/XX/XXXX I  cancelled the order by phone speaking with XXXX, the Customer Success Manager at XXXX, due to them not being in stock. I still have yet to hear from this company so I filed a dispute investigation with American Express online as instructed, spoke with someone at XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I faxed ( XXXX ) and emailed the proof of documents requested by them ( XXXX ) through the American Express Encrypted Email. On XX/XX/XXXX I get this email : After completing our review, we are pleased to let you know that the temporary credit of {$89.00} that we credited to your account on XX/XX/XXXX has been made final. This case is now closed. First of all, the amount of the refund is wrong and when I look at the refund that was actual credited to my card it was only {$67.00}. I tried calling XXXX and was told I can only email the dispute team they don't take phone calls. Like I said I provided proof three times to them and they are not taking the time to get it right. Please help.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX  kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me transunion is ignoring me and XXXX its been XXXX  months nothing done still
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I look at my accounts online daily On XXXX XXXX I noticed my XXXX XXXX account said restricted. My payment was due by XXXX XXXX on the XXXX  of XXXX I made a payment for {$300.00}. I called Saturday the XXXX of XXXX to ask for a credit card increase. To only discover my account was closed without any notification or a reason to the closure. This is an active account I pay into and use this account if not daily weekly.This is unacceptable especially when I'm in a crisis do to bereavement of my brother passing.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

It would appear an account was open with XXXX XXXX ( mobile ) using my personal information. My mobile provider has been XXXX XXXX for the past decade. I continue to receive past due bills and debt collection notices for Account : XXXX from I.C. Systems Inc. on behalf of XXXX XXXX.
Consumer complaint received 2022-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 
XXXX XXXX  XXXX
Consumer complaint received 2021-06-16
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. (PA)

XXXX is now in XXXX and they do not know our laws and are told to just say no on evrrything you send or call od tel l them aboput fraud or freeze on credit report. 
I have 5 hard inquireys that are n o t mine at all and 2 accounts that arent mine. I sent them police repirt and they said they didnt get. I called and told them to dispute and they didnt understand, hung phone up.They did not do fair credit reporting agencies section 604, 609 o r 611 on my investigation or did it at all. The info on problems are below.

1. 2 accounts with XXXX XXXX  are not mine. 
2. XXXX says I was late on.psyments 4 years ago snd I keep sending them documents showing I made payments on the dates thry said. 
3. XXXX XXXX  says I was late on payments when over seas in war before internet was even like it is now. 
4. 5 hard inquireys. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX all in same month bit they say it was me and it wasnt. 
5. XXXX 7 years ago had fraud on my file for XXXX dollars and they want take off like federal and especially state of Pennsylvania it is against law after 4 years. These new breed of empliyees just say they help and either hang phone up or lie. This is what they teach these foreigners how to make it so hard to fix fraud. They lie when they had lawsuiye and now worse. 

If they would go by federal and state law then I would be fine. 

XXXX XXXX XXXX XXXX XXXX XXXX paXXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-16
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. (UT)

XXXX XXXX account # 's XXXX, XXXX, and XXXX were all included in my chapter XXXX bankruptcy and have been paid. However they keep updating monthly and it is damaging my credit.
Consumer complaint received 2021-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX is now in XXXX and they do not know our laws and are told to just say no on evrrything you send or call od tel l them aboput fraud or freeze on credit report. 
I have 5 hard inquireys that are n o t mine at all and 2 accounts that arent mine. I sent them police repirt and they said they didnt get. I called and told them to dispute and they didnt understand, hung phone up.They did not do fair credit reporting agencies section 604, 609 o r 611 on my investigation or did it at all. The info on problems are below. 

1. 2 accounts with XXXX XXXX  are not mine. 
2. XXXX says I was late on.psyments 4 years ago snd I keep sending them documents showing I made payments on the dates thry said. 
3. XXXX finance says I was late on payments when over seas in war before internet was even like it is now. 
4. 5 hard inquireys. XXXX bank, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX and XXXX all in same month bit they say it was me and it wasnt. 
5. XXXX 7 years ago had fraud on my file for XXXX dollars and they want take off like federal and especially state of Pennsylvania it is against law after 4 years. These new breed of empliyees just say they help and either hang phone up or lie. This is what they teach these XXXX how to make it so hard to fix fraud. They lie when they had lawsuiye and now worse. 

If they would go by federal and state law then I would be fine. 

XXXX XXXX XXXX XXXX XXXX XXXX paXXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

I am 8 years into qualification for XXXX. 

I submitted my normal income recertification to stay on my income-driven repayment in XX/XX/XXXX, meeting the deadline XXXX set for me to submit these materials. At least 2 times during XX/XX/XXXX I contacted XXXX via message and phone call to check on the progress of this application since I had not heard anything. I was informed that the application was on-track ( or did not hear anything in the case of my private message sent via the website ). 

However, I was finally informed on XX/XX/XXXX, that apparently my application was incomplete. That same day, I re-submitted application materials, and XXXX is currently " processing '' this application. I have already been informed that the recertification will not be completed in time for my XXXX statement and that any payment that month will not count toward XXXX. I am very angry as this is not the first time such a lapse has occurred due to XXXX 's slow movement. 

I have called XXXX nearly every day in the last week to ask that the loan by expedited, particularly since the 5-week delay in the original processing was entirely XXXX 's fault. I have been told that they can't even put in a request to expedite until XX/XX/XXXX. 

What can be done to expedite this process and fix the missed month ( or more! ) for PSLF-eligible payments due to XXXX 's delay in informing me about the supposedly incomplete application, which was submitted by the deadline.
Consumer complaint received 2023-03-24
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX , XXXX, XXXX and XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX
Consumer complaint received 2022-10-14
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)

These two accounts do not belong to me and I have been sending letters to remove these from my credit report. I did it multiple times, but I did not receive any response or result regarding their investigation or if they have investigated the matter. 

Please remove these ACCOUNTS AND INQUIRIES. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/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 2024-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC. (NY)

Transfer issue from XXXX XXXX XXXX Santander Bank 1 ) On XXXX was opened an account with Santander Bank Personal Signature account # XXXX with Manager XXXX XXXX from branch XXXX, located on XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 2 ) Once account was stablished notice on XX/XX/XXXX activity of transfers between Santander Bank and XXXX XXXX of XXXX credits for XXXX cents each and XXXX withdrawal of XXXX cents steps to stablish bank communication electronically 3 ) On XX/XX/XXXX receive an email from Santander Bank congratulating me announcing that I can start transferring funds to this new Santander Personal Signature account # XXXX 4 ) On Saturday XX/XX/XXXX was initiated from Santander Bank, N.A, SANTANDER SELECT MONEY MARKET SAVINGS account ending XXXX request of {$25000.00} to XXXX XXXX from account ending - XXXX, after the request was placed at that point in Santander Bank website I notice the status on the transfer details was in process mode, I understood it was normal because it was a weekend non business days 5 ) I continue monitoring every day the transfer activities from XXXX XXXX and Santander Bank until I notice activity on XXXX from XXXX XXXXXXXX XXXX XXXX account ending XXXX activity of preauthorized XXXX SANTBK XXXX XXXX XXXX XXXX XXXX, resulting in a - {$25000.00} transfer to Santander Bank 6 ) on that same day XXXX start to monitor my account in Santander Bank to see the transfer , but the transfer status notice that the request transfer details has changed from ( in process ) to ( canceled ), on same day was called Santander XXXX XXXX XXXX and made a complain about this issue, as well I call the Santander Bank security spoke to XXXX XXXX asking to investigate this transfer after her preliminary reports I was told XXXX is holding the fund and will ask ACH 7 ) I was told by XXXX XXXX XXXX that the investigation has to start from XXXX XXXX which I did, and inform to bank Santander they provide me back a temporary credit until they finalice their investigation, investigation is finish XXXX XXXX remove the credit and sent me a letter saying Customer should resolve with Santander Bank to investigate as to where the funds are at Santander Bank, their recomendatios is to trace the ACH # XXXX Santander Company ID # XXXX XXXX ID transaction XXXX XXXX ) Mon XXXX about XXXX spoke to XXXX from Santander Bank told me he was able to find report from XXXX and left her a message to call me tomorrow XXXX phones that I provide Please Help XXXX XXXX
Consumer complaint received 2022-10-14
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. (TX)

These two accounts do not belong to me and I have been sending letters to remove these from my credit report. I did it multiple times, but I did not receive any response or result regarding their investigation or if they have investigated the matter. 

Please remove these ACCOUNTS AND INQUIRIES. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/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 2019-11-19
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)

XXXX XXXX XXXX showed up on my report. I was puzzled when I saw that it was from XXXX  Children Hospital as I have no children and have no knowledge of owing a children hospital any money since Im not a child. I believe that this is unfair reporting under FCRA. I am still puzzled as to how someone acquired my ss # to charge me for a child medical bill.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Well I have numerous accounts with almost all the credit score companys and I have a three scores from all three companys but for some reason when someone does a credit check on me the credit score that they have which always disqualifies me is because the number is way inaccurate and I'm talking real bad like today expirian shows me that I have a XXXX credit score but I just received an email from a loan company stating that my credit score with expirian is XXXX. Now thats a huge difference and like I said I believe that it's not doing anything but making my credit look more worse then it already is. So who's in the wrong or who has the wrong information and can this be fixed
Consumer complaint received 2021-02-11
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. (NY)

I am submitting this complaint in regards to my XXXX XXXX/XXXX  account. Today XX/XX/2021 I was notified that my credit score dropped due to a late payment being reported to the credit reporting companies. This account was not paid late. I had a XXXX ( XXXX ) balance on this card for quiet some time. However I was notified about 2 months ago that I owed {$8.00}. and change. I contacted XXXX and spoke to them I still do not no till this day why I owed that small amount but I paid it anyway. I was assured from the customer service rep at express that this account will not be reported late due to this unexplained error. Well today it was reported and I am upset because my score dropped by 39 points. First of all I paid for something that I didn't even owe I just wanted it cleared up and now it's reporting as late.
Consumer complaint received 2017-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

I have contacted fedloan multiple times this year requesting documentation of dates and amounts of interest added to my loan since it began. I noticed earlier this year that my amount due had jumped significantly but there is no record of the exact amount added to each loan, when and why. They basically keep telling me to look in my online account even though I keep telling them, the information I am requesting is not available there. It is crazy to me that I have been unable to see an accounting of my loan since it 's origin. Please help. I contacted them in regards to this on XXXX, XXXX, XXXX, XXXX andXX/XX/XXXX and they have still failed to provide documentation of my loan. I have attached a copy of the XX/XX/XXXX andXX/XX/XXXX statements that are available to me online so you can see that my balance jumped by {$910.00} with no explanation.