davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-30
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. (IL)

I originally filed a compliant against XXXX, XXXX which a rep with XXXX resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted XXXX XXXX customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting XXXX, I've contacted each bureau. I was told, XXXX would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. Thank you.
Consumer complaint received 2017-08-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

In XX/XX/XXXX, I was notified of a Tax Lien filed against me by the XXXX XXXX XXXX filed in the XXXX Superior Court by the Clerk. The Lien was filed XX/XX/XXXX for tax debt owed from the tax year XX/XX/XXXX. I had never been informed of this outstanding tax debt and had appropriately filed and paid my Georgia state tax. At the time of the lien filing, I had just gone through a Chapter XXXX Bankruptcy file XX/XX/XXXX and cleared XX/XX/XXXX. I moved from the State of Georgia in XX/XX/XXXX. Upon receipt of the notice of lien, I immediately contact the XXXX XXXX XXXX XXXX and paid in full the lien with it subsequently being released as paid in full on XX/XX/XXXX. I believe the Lien was filed in error as I was never properly notified about impending lien and was unaware, based on my previously filings, of any outstanding tax debt. I have contacted the XXXX XXXX XXXX XXXX as well as the Superior Court of XXXX County requesting a lien release through the " Fresh Start Program '' and have been denied.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I had my card data stolen and reported the fraud to 53 bank. Initially the said the charges were valid then I contested and finally they said they were fraud and I would receive credit. During the time of the fraud with the high balance showing ( XXXX ) I overpaid what I actually owed. I have contacted the bank numerous times to have this corrected and they keep telling me they will resolve in 3-5 days but the credit is on my cancelled card. I am trying to get the credit transferred to my new card balance but there are no results. This has gone on for about 6 months. I don't know what else to do but keep calling and getting empty promises.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Hi My Issue is bit complex and tried my best to talk to banks to get my money back but no one helped and did an useless investigation, I tried many ways but CFPB is the only hope please help me here On XX/XX/XXXX i made an Balance Transfer of XXXX $ from my XXXX credit card to my Bank of america checking account, on XX/XX/XXXX I used my Bofa mobile app deposit check option to desposit those XXXX $ into my bofa checking account, Till here everything was fine On XXXX, My Bofa account got charged XXXX $ saying " Debit Adjustment Duplicate item '' when i called the Bofa customer care they said i have cashed my check twice which i did not. then i informed Bofa fraud team that i only cashed the check once and second time is a fraud which i did not commit, then the Bofa fraud team mentioned that if its Fraud i need to complain XXXX as the check belongs to them When i talk to discover Fraud team they say that those XXXX $ already got credited to My Bofa checking account and we are not responsible for any fraud. 

I never cashed my check second time its an fraud attempt done by someone, i have crushed and trashed my check after the money got deposited to my account, But the bank of america wrongly charged my account saying i cashed the check twice Now i lost XXXX $ due to bank of america mistake and had to pay back XXXX $ back to discover with Process fee The Check has my name and my bank account details, No one should be able to cash that, due to Bofa mistake i lost money Its purly BOFA mistake to charge my account. 

Please help me
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been trying to get capital one to send me a letter to send XXXX  to delete a credit inquiry from my report that I never authorized or have no knowledge. they keep sending me the same paperwork in the mail. I send back I been trying to take care of this since XX/XX/2019, capital one inquiry was made on XX/XX/2019. I have called over a dozen time never get any help.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (UT)

Chrysler Capital is reporting late notations for 2021. We have been going through some financial troubles for a while and Covid really sent us over the edge. We ended up getting really sick and have just been having a hard time getting back on our feet. I ask that Chrysler Capital please make a onetime good will adjustment and remove just the 2021 late notations.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

These inquiries on my credit file were never authorized I did not authorize for those companys to pull my credit report These inquiries need to be removed immediately XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Consumer complaint received 2017-08-09
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. (OH)

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law the discharged/dismissed Chapter XXXX bankruptcy listed does not include this information and should be deleted from my credit report
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

I have a Blue Cash Everyday card with American Express and utilize the Amex Offers & Benefits. 

Pursuent to that, I activated an offer on my account page at the Amex website for " XXXX - Spend {$50.00} or more, get {$10.00} back ''. 

Afterwards, I made a purchase on XX/XX/2020 ( the charge posted on XX/XX/2020 ) for {$62.00} on XXXX, making me eligible for the offer. 

However, AmEx is refusing to credit my account for the {$10.00} as was previously advertised. 

I have read all the terms and conditions on this particular offer, and have satisfied all of them. 

This is fraudulent advertising on AmEx 's part as they wrongfully claimed that I will be credited {$10.00} if I used my AmEx card to make the purchase.
Consumer complaint received 2021-08-11
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: Bread Financial Holdings, Inc. (PA)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft COMENITYCB/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/ This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/ This is not mine. 

6. Identity Theft COMENITY BANK/XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-11-12
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. (CT)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX/XXXX  XXXX
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law the discharged/dismissed Chapter XXXX bankruptcy listed does not include this information and should be deleted from my credit report
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I called Experian and sent my driver 's license, social security card with the correct information and they refused to delete the incorrect addresses and fraudulent accounts saying that the address is being reported by the fraudulent accounts. They then proceeded to tell me that I sent correspondence to them with the inaccurate address which I did not. I have only sent correspondence from my correct and accurate address which is on my driver 's license and social security card. So they refused to remove the inaccurate names and addresses after I verified my identity with the correct address information with documentation. I want these inaccurate items removed because they don't belong to me. So please help me remove them. I place a security freeze and opt-out on my accounts with XXXX, XXXX XXXX and XXXX to prevent any further fraudulent information to be reported on my reports and they refused to help me with this matter. When I try to dispute these items online I am told to call and when I call to get the items removed I am told they will not remove them even though I have given them the accurate information several times! Screenshots and documentation attached.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I called XXXX and sent my driver 's license, social security card with the correct information and they refused to delete the incorrect addresses and fraudulent accounts saying that the address is being reported by the fraudulent accounts. They then proceeded to tell me that I sent correspondence to them with the inaccurate address which I did not. I have only sent correspondence from my correct and accurate address which is on my driver 's license and social security card. So they refused to remove the inaccurate names and addresses after I verified my identity with the correct address information with documentation. I want these inaccurate items removed because they don't belong to me. So please help me remove them. I place a security freeze and opt-out on my accounts with XXXX, XXXX XXXX and XXXX to prevent any further fraudulent information to be reported on my reports and they refused to help me with this matter. When I try to dispute these items online I am told to call and when I call to get the items removed I am told they will not remove them even though I have given them the accurate information several times! Screenshots and documentation attached.
Consumer complaint received 2020-09-22
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. (OH)

This is my account and not why it's on my credit profile as I have never had account with this financial institution : XXXX  XXXX XXXX  # XXXX Please the support of this account with method of verification some type of binding agreement. 

This is not my account for sure.
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Received a collection agency letter stating that I was in collection around XX/XX/2019. Contacted the agency to notify them that the debt was not mine. They asked that I send them documentation of where I lived and why I believed this debt was not mine. Sent documentation to them around the middle of XX/XX/2019. The collection agency stated that they had been sending bills to an address in California, in which I have never lived at. I got my credit report and come to find out, someone had opened a credit card under my name and now I have a no payment collection on my credit. A police report and a FTC have been filled. The collection agency has not provided proof ( signed statement, video, or receipts ) to me even though I have requested this information. They continue to call me, send letters, and threaten to ruin my credit which they are - they have placed that debt under my credit report. I have submitted all the documentation to the credit bureau and is pending an investigation. The calls are none stop and so are the letters.
Consumer complaint received 2017-08-09
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. (NJ)

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called Transunion and gave them all of the companies above with inquiry dates which are listed above. I asked Transunion to please remove them from my credit report because I never authorized these inquiries and that I was a victim of inquiry issue. I am not questioning any debt on my report. all I asked was for all of them to please be removed because I never authorized them. Transunion was not responsive and told me they would not remove and for me to just wait a few years and they would go away. I told them this was not acceptable, I also have tried reaching out to the companines above, but I am like a needle in a haystack. I can not find a human being to help me. If you could please let me know if your company can help me. thank you so much.. XXXX
Consumer complaint received 2023-01-29
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: Experian Information Solutions Inc. (MI)

In accordance with the fair credit reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. This creditor 's account is not mines and I never had a account with this creditor so remove.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I signed up for the XXXX XXXX card last XXXX, when I signed, the offer is spend XXXX  dollars within 3 months get XXXX  XXXX points. 
So I got the card and fulfilled the spending requirements within the time limit. American Express did not give me bonus points. I called them they said its because I closed my XXXX card within 6 months. But in the XXXX XXXX sign up page, it didnt say someone could disqualify if they closed XXXX card. If I knew it, I wouldnt sign up for my XXXX XXXX card. Its not fair for plain customer. Card number is XXXX. My name is XXXX XXXX, XXXX XXXX number related the card is XXXX. Thanks.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that IQ DATA INTERNATIONAL would verify the debt. So I took it upon myself to ask IQ DATA INTERNATIONAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2017-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selip & Stylianou, LLP (NY)

THIS COMPANY & ATTORNEY 'S OFFICE HAS MADE NUMEROUS ERRONEOUS ATTEMPTS TO COLLECT A DEBT FROM ME THAT I DO NOT OWE. THEY FIRST OBTAINED A JUDGMENT WITHOUT EVER SERVING ME PROPERLY IN 2004. I WENT TO COURT AND RE-OPENED THE CASE AND THE JUDGMENT WAS VACATED. THIS WAS UNDER ONE NAME AND INDEX # AND ATTORNEYS OFFICE, THEN THEY AGAIN TRIED WITH THE SAME ATTORNEYS, BUT UNDER A NEW ATTORNEY 'S OFFICE NAME, SEEKING THE SAME DEBT UNDER ANOTHER COMPANY NAME. THIS CASE LIKEWISE NEVER RESULTED IN A JUDGMENT. YESTERDAY I GOT A LETTER FROM SELIP & STYLIANOU , LLP, ( WHO WERE PREVIOUSLY " XXXX XXXX XXXX '' YOU CAN SEE THOSE ATTORNEYS STILL ON THE LETTERHEAD OF SELIP AND STYLIANOU ) ON BEHALF OF XXXX XXXX SAYING I OWE A JUDGMENT. MY WIFE AND I HAVE WRITTEN AND CALLED THEM AT LEAST 25 TIMES OVER THE LAST 13 YEARS TELLING AND REMINDING THEM THAT I DO NOT OWE THIS AND THAT THEY DO NOT HAVE A JUDGMENT AND STILL THEY SEND THESE LETTERS AND WHEN WE CALL THEY ARE NASTY AND INSIST THAT I DO OWE THE MONEY AND THAT I DO HAVE A JUDGMENT AGAINST ME. I AM AT MY WITS END.
Consumer complaint received 2020-09-04
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. (GA)

To Whom It May Concern : On XX/XX/2020, Equifax, XXXX, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR Equifax 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX  Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.