davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-25
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Diversified Adjustment Service, Inc. (NC)

I have seen a lot of fraudulent charges on my account and have tried to fix them regardless of responsibility, I paid Diversified adjustments for a XXXX  charge that want mine then it was removed from my credit then placed back on it months later I have the digital receipt that was sent to me and they still havent removed it after I explained to them I have a receipt and sent them documentation required to prove it
Consumer complaint received 2021-09-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand a compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX should not be reporting to Transunion a collection in the amount of {$1100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance and not as a collection. I have attached a copy of the letter dated XX/XX/2020 wherein the letter confirms this account has been paid-in-full. This false reporting of a collection is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This line item needs to be removed and/or updated to report correct information. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2023-01-11
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. (MI)

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, MI XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Riverwalk Financial Corporation (MA)

I opened a XXXX XXXX credit card. I made a large order which never came. The store agreed that I didn't receive my item and agreed to refund the money back to the card so that it would have a XXXX balance. They failed to charge back the money owed. I attempted to contact them in writing and never received a response. I filed a complaint and they didn't respond. The credit card was then closed for nonpayment without my consent and is now listed as a debt collection on my credit reports. Attached is proof of XXXX XXXX agreement to charge back the full amount owedwhich would have left the card at a XXXX  balance. I do not owe this debt.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Equifax continues to publish fraudulent information on my credit report regarding fraudulent closed accounts. These closed accounts are fraud and I have a FTC report and police report on file. Equifax will not delete these closed accounts listed below : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (GA)

Calvary Portfolio Services, LLC in New York has repeatedly reported false claims of {$10000.00} ( Account Number XXXX ) debt that I do not owe or known anything about on my Credit Profile, impeding on my ability to secure any measurable credit and have refused to substantiate how we established a mutually, and agreeable financial relationship with for which they are demanding a payment from me.
Consumer complaint received 2021-09-20
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. (PA)

These accounts on my consumer report are unauthorized and are not from me. I also wrote XXXX an identity theft report. XXXX said they have recieved my identity theft report and was takkng these false accounts off my consumer report.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX/XXXX  property show on there only statements that I over paid, my is rent is XXXX an month. Section 8 pay XXXX an month and I pay XXXX an month. According the statement issue by XXXX on XX/XX/XXXX Section 8 was paid up to XX/XX/XXXX and I already paid for the month of XX/XX/XXXX and Partial of XX/XX/XXXX, so I dont understand where and why this report was made. This report was credit bureaus. Please look into this information
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

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 2021-04-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi my name is XXXX XXXX I'm a victim of fraud. On XXXX XXXX around XXXX to XXXX someone took {$1000.00} dollars from my XXXX XXXX XXXX Account. I notice the money missing around XXXX after checking if my money was deposited to my account and I notice it said it was deposited then withdrawn. I immediately called Bank of America to report what happened to my {$1000.00} dollars. They stated that it was withdrawn from my account at a Bank of America ATM Drive thru in the City Of XXXX XXXX. I was like how is that possible if I have my XXXX card with me. They had no response to my question. So I filed a Claim Report with Bank Of America. I advise them I was going to make a Police Report which they advise me to do so. After we hung up I made a Police Report with XXXX XXXX Police Department on the phone and told them what happened. The officer was very kind and helpful and summited the report to his XXXX and was approved the same day. The officer also stated to me that BOFA was shut down but the ATM machines were still in service. So then I called Bank of America back and told them I have the police report number and i ask them if they would note that down on there notes they stated that I have to get the actual police report and fax it to them. Which I did! I was calling BOFA three times a day almost everyday. They had no updates on my claim and then they ask me to go to a BOFA to get verified so they set me up an appt. I went the following day with my I'D, Birth Certificate and XXXX Card and spoke with some lady who knew nothing about what I was talking about so I called BOFA on the phone and spoke to customer service they had me on hold for hours. So I finally get through with a claim representative and ask me to put a manager on the phone so they started the verification process then we were done. I ask the manager when will I receive my {$1000.00} dollars back to my account and they had no answer for me. So I left home I decided to call the bank again and ask them when will I receive my money back they said they couldn't answer me cuz I was flag again for fraud. I told them I just got back from the Bank to get verified they knew nothing about me getting verified. Then I received a letter in the mail couple days later and it stated my claim was closed. So I called a BOFA and spoke with claims department and ask them why my case was closed. They knew nothing about my claim. So they they said we can reopen your claim again. So I refax all my documents and waited another week. I called BOFA again and ask for a update on my claim and documents if they received them. No response from them what they did say to me that my case was closed again with no explanation. And that they could not reopen my claims know more. So I filled a complaint with BOFA. 
Bank Of America made me feel like if I was the perpetrator, very Humiliated and discriminated. I'm so stress out I need my money to support my family and little ones.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

transunion refuses to delete a fraudulent account off my report from XXXX known as XXXX XXXX XXXX i have never in my life given them my social security and it is causing me to rack up hard inquiries and denials due to a collection/charge off in which i have no knowledge off I NEED XXXX XXXX  XXXX NOW
Consumer complaint received 2020-05-31
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

This information that is listed on my chexsystem report and reported from XXXX  XXXX XXXX and XXXX XXXX XXXX is inaccurate and fraudulent. My information was exposed in the XXXX data breach twice in XXXX and in XXXX, information exposed on the Dark Web and also in the fema data breach.Supported documents of my information being compromised is attached in this dispute below. My email address was hacked, social security, current and prior addresses, banking information, employer information, passwords and etc. My drivers license was also replaced/ reissued ( states at the bottom ) due to being loss and identity theft. My name was also used and spelled in different ways to obtain bank accounts online and other goods and is documented on file with the credit bureaus. A identity theft report was was submitted when this information was observed by the me the consumer. Disputes were submitted to the consumer bureaus and to chex system and related information was deleted from the credit bureaus from investigation. Monthly security alerts were also placed on all credit files and a freeze is currently on my chexsystem report.I am currently in the pending status of a settlement with XXXX  in reference of both data breaches. My information was compromised during a FEMA breach as well. I am requesting for the deletion immediately of all derogatory information and accounts that are associated with XXXX   XXXX XXXX on my chexsystem report. This is and was not done by my consent nor did I authorize it this fraudulent activity. The derogatory remarks and information has prevented me from opening any accounts due to this matter that was falsely reported with Chex System. I have received numerous of harassing calls as well stating I will be prosecuted and also a collection agency attempting contact via phone to collect funds not owed to them. I am in process of legal action. 1 ) Please provide physical in person debit/ credit card obtainment and proof of physical in person signatures. My information was compromised from a unknown individual and obtained from a family members mailbox. P
Consumer complaint received 2015-10-24
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (AL)

On or around XXXX XXXX or later I tried to use my prepaid Rush card to by groceries for my family. I put my items on the counter and the cashier began to scan. Now it 's time to pay, as I swiped my card it kept declining it the cashier even tried to swipe the card her self because I told her that something has to be wrong because I know there is money on this card. The cashier told me that maybe her system is down, so I put the groceries back and proceeded to another store. At the other store as I swiped my card it read the same thing ( DECLINED ), now I am saying something has to be wrong with my card. This was a total embarrassment for me. I should n't have to suffer just because this company wants to upgrade their system. There has to be a better way.
Consumer complaint received 2020-05-31
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. (CA)

The credit bureau, Experian has failed to comply with my 2 previous attempt to dispute and properly investigate the inaccuracies on my credit report. I send a letter on XX/XX/2020 requesting my accounts to be removed and on XX/XX/2020 I received a letter requesting information to verify my identity. This is an unethical stall tactic they are fully aware of. I have sent them my ID and a utility bill for proof of current address with the dispute letter twice. I resent a letter to Experian on XX/XX/2020 and they responded with the same automated response letter requesting more documents to verify my identity. I have attached my supportive documents to reinforce my claim.
Consumer complaint received 2022-10-25
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. (MN)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address, Please update my name, My only social security number, My only and correct date of birth, and My only employer. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,
Consumer complaint received 2020-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NH)

My federal student loan servicer is FedLoan Servicing and I have been working toward Public Student Loan Forgiveness. FedLoan is missing three of my qualifying payments in their records and I requested a review in XXXX XXXX in order to locate the payments and have them added to the list of my qualifying payments for PSLF. This review has not yet been completed. I called FedLoan again on XXXX XXXX, XXXX ( 14 months later ) and FedLoan can't take a second request for a review of my account until the first review is complete. FedLoan could not provide an estimate for how much longer the review will take.
Consumer complaint received 2020-05-31
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. (MI)

XXXX XXXX, My identity was used to purchase a XXXX XXXX XXXX cell phone at a XXXX in XXXX michigan.I called XXXX XXXX XXXX fraud department and they confirmed it was fraud and immediately closed the account.This unauthorized account is on my credit reports and I like it removed immediately
Consumer complaint received 2021-09-20
Product: Credit card or prepaid 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 (FL)

On XXXX 2021, I saw a Delta SkyMiles Gold American Express Card offer when I was booking a ticket on XXXX XXXX. 
The page stated " Earn XXXX  bonus miles after you make {$2000.00} in purchases on your new Card within your first 3 months. '' plus " {$200.00} statement credits when made purchase on XXXX. '' I have never had this card and do need to take flights pretty often. So I received this card on XXXX and completed all the requirements for the XXXX  Delta miles and {$200.00} credits in 3 months. However, on XXXX the American Express customer services told me that they have decided to denied the sign up bonus with no reason. 
I was very happy with American Express services in the pass and suddenly felt I was cheated.
Consumer complaint received 2022-03-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2022, I sent out a letter requesting validation of the account I discovered on my credit report. XXXX, EQUIFAX, AND XXXX have failed to respond in a timely manner to my dispute letter and it has been well over 30days since my initial letter. XXXX XXXX XXXX also failed to send sufficient documentation, specifically the contract, note or other instrument bearing my signature. The following account is inaccurate and should be removed from my credit report immediately. 
XXXX XXXX XXXX XXXXXXXX UNVERIFIED It is to my understanding that XXXX, XXXX XXXX and Equifax are in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all XXXX credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this XXXX XX/XX/2022. Equifax most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. XXXX made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, XXXX often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting