davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-06
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. (OH)

My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. 
I have several addresses showing that do not belong to me please remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. 
I have several addresses showing that do not belong to me please remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Good evening, I received a correspondence that my account was past due, to my surprise! This credit card was paid off in full. I contacted customer service to inquire about what was past due ( interest/late fee ), I requested that the late fee and interest charges be credited since the balance reflected was paid in full. I would like the charges credited to my account. 

Thank you
Consumer complaint received 2018-09-27
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. (GA)

I've reached out to XXXX XXXX twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with Equifax, XXXX and XXXX and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by XXXX XXXX
Consumer complaint received 2021-09-16
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. (NC)

I noticed these fraudulent inquiries on my Transunion and XXXX credit reports and I've disputed them several times with the companies and Transunion and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-06
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 (CT)

On XX/XX/XXXX, I was unable to transfer American express membership rewards to an authorized user. A customer representative told me that it was because my account has been under review. She also added that the review could take 6-8 weeks. I am really frustrated by this response. Hope that the accompany will resolve this problem as soon as possible.
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (NY)

XX/XX/XXXX 2017 a new collections was open to my name. I checked my credit score 2 days ago XX/XX/17 because my credit score had gone down tremendously. The collection appeared on my credit score on XX/XX/17. I was never notified in writing/phone call that I owed this to this phone company. If it was n't for me checking my credit score I would n't be aware of the collection. My phone company never told me I owed money to an old account as well.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 8 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-04-06
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. (AR)

There is a bankruptcy on my credit report with transunion, XXXX, and XXXX that doesn't meet the requirements of the the New Public Record Credit Reporting Standards beginning XX/XX/2017. 

To my understanding this new law states that Credit reporting firms no longer will be able to include information about tax liens or civil court judgments in credit reports unless those records include a name, an address and a Social Security number or date of birth to match them to a specific consumer file. The new standards also require the firms to update public record information in their files every 90 days. This has not been done and as a result my credit report reflects inaccurate information. I have reached out to all 3 credit reporting agencies to get this account verfied and the only response that I received is that it was verified through XXXX. My XXXX XXXX report has been frozen by me so that is impossible to validate it. I froze the account to get ahead of the fraud that has been placed on my account.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

First, this is a prepaid debt card issued to me ( XXXX XXXX ) in the form of a rebate for an unrelated purchase. 
I have tried using the card multiple times for on-line purchases but find most vendors won't allow multiple payment methods ( ie : two different cards ). So I have been limited to a purchase less than the balance on the card. 

The debt card has a balance of {$15.00}. The card just expired XX/XX/19. 

I called the number ( XXXX ) on the back of the debt card and asked to reinstate the card that I may access my funds and was told the card can not be reinstated. 

Cardholder agreement ( https : //www.myprepaidcenter.com/site/visa-univ/standard/visa-terms ) states " After expiration of the Card, you may request issuance of a card with the remaining balance, minus a card issuance fee that will be deducted from the remaining balance ''. However Visa claims this can not be done with my debt card. I requested they send me a copy of the Cardholder agreement supporting their claim but they were unable to comply. I had spoken to a supervisor at the call center. 

To summarize, I have a recently expired debt card with {$15.00} on it. Visa is stating I must forfeit my balance to them. 

This is not a lot of money, but this sounds really wrong.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (SC)

XX/XX/2018 I was sent a response to a recent complaint that I had. The response included the confirmation of the denial of a credit card on a false and unclear basis. 

The stipulations to recieve their XXXX  credit card are stated in their terms and conditions. Though it is pertinent to note that you can also recieve one after you fill out the application and meet their stipulations.
Consumer complaint received 2019-11-05
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. (TX)

XXXX XXXX XXXX  Texas is being reported on my Experian, XXXX, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Consumer complaint received 2018-04-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIBANK, N.A. (ME)

InXX/XX/XXXX and XX/XX/XXXX I took out two loans through Citi Bank as a student studying education. They were variable rate and the percentages were high ( one was 11.125 % ). The loans were given that to me as someone with an outstanding ~ {$30000.00} in pre-existing student loan debt, and no income. I had a creditworthy cosigner, but she, too, already shared that amount of debt with me and even more with my sister who borrowed for her loans in XX/XX/XXXX andXX/XX/XXXX. There was no reasonable way to prove that I would ever be able to afford such payments. The lending of that money was irresponsible at best, but criminal at worst. To avoid the ramifications of their sketchy student loan lending, Citi sold all of my loans to XXXX They will no longer take responsibility for the situation they allowed me to fall into.
Consumer complaint received 2021-06-30
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. (TX)

XXXX XXXX and the credit bureaus are all committing fraud. They are reporting late payments for a car that they claim they have in their possession. XXXX XXXX and the credit bureaus are also claiming a repossession on my credit profile and are also reporting inaccurate late payments trying to portray to anyone viewing my credit that I have a car in my possession that I DO NOT have in my possession and this issue is causing me not to be able to obtain credit. Pursuant to GAAP ( generally accepted accounting principles ) XXXX have to prove the money left their account if they gave me a loan like they claim they did. Why wouldnt they be able to do that? Because they didnt loan me anything!!!! XXXX would also be committing fraud if I gave them credit and they got a loan in my name ( fraud ) all support document of these claims will be attached. When an organization gets a loan in your name then creates and furnishes a deceptive form to make you think that you got a loan its fraud. In reality the consumer on only come for credit. In all actuality the promissory note was for XXXX because they got the loan according to 12 usc1431 Also the credit bureaus took XXXX XXXX off my reports then added it back without notifying me within 5 business days. According to FCRA ( a ) section 5 ( b ) ii they have to notify me within 5 days. 

Also they should take court case : Court Case : Eaglehart vs Gravens 281sw715.819.1 inti consideration It is inaccurate for XXXX and the 3 credit bureaus ( trans union XXXX XXXX XXXX and XXXX  ) to keep reporting on my credit report if they claim in the comments that they sold the dept to another lender screenshot proof will be attached Not one law says anything has to be reported so this is proof that XXXX and the credit bureaus are voluntarily breaking the law by reporting inaccurately on my credit profile They also took it upon themselves to reage the account after reinserting it without me knowing
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (TN)

I received a letter on XXXX XXXX from Diversified Adjustment Service Inc stating that an alleged account through XXXX had been placed with them to collect XXXX. I responded to the letter by sending a certified debt validation letter. I had previously received a collection letter from a company called XXXX XXXX claiming they had received my information from XXXX trying to collect the same alleged debt. They had went so far to furnish it on my consumer report without validation. I sent them a validation letter and they ended up removing the collection. Fast forward to Diversified Adjustment harassing me about the same alleged debt. I sent them a validation letter and they sent back a statement/bill, nothing with my signature or how they even calculated the alleged amount diversified was accusing me of owing. I sent them back a letter stating the statement that was sent to me was incorrect and the information that was sent was not what I requested to validate the alleged debt. I went to check my consumer report and seen where Diversified had put the collection on my report. Diversified has violated my right to privacy as a Consumer and the FDCPA.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX Texas is being reported on my XXXX, Transunion, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Consumer complaint received 2022-03-29
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. (NC)

According to the 1970 FCRA, these unathorized and unverrified accounts need to be removed asap. This is stopping me from getting my home. 


These are the accounts that are unathorized and unveriified : XXXX XXXX XXXX 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
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX Texas is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC (FL)

I was contacted today by the law offices of Maury Cobb and they stated I had a debt with XXXX. I have never been notified of the debt nor had a ever received a final bill with XXXX. I asked them what address I had on file and it was an old address. 
I asked if they could update my address and mail me a final bill so I could review it. I also asked them to remove this from my credit report until I can find out if the charges are correct. 

The rep, XXXX XXXX, said it was too late for that. I asked if they had to follow the law, and she said it was too late. I asked to speak to her supervisor and she stated he would call me back. Her supervisor, XXXX XXXX, never called me back I called the original collection agency and spoke with a rep named XXXX who hung up on me twice. I called a third time and spoke to a supervisor named XXXX XXXX who advised me to call the law offices.
Consumer complaint received 2018-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

I am behind in my private student loan serviced by Navient. I am in the process of working with an attorney to file for bankruptcy. They still continue to call me every day starting at XXXX and continuing to call every hour up until XXXX, including weekends. Most of the time if I answer they hang up on me immediately. This is disrupting both my work life and my home life.
Consumer complaint received 2021-05-23
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. (ME)

I have an outstanding debt from The XXXX XXXX, in the amount of {$170.00} from XXXX, on my credit reports. This debt is medical, and I live in Maine. Medical debt is no longer reportable at 6yrs. This debt was easily, within a day to a wk, removed from XXXX  and XXXX. However, when trying to contact Equifax, it has been a 2 month nightmare of incompetence. I called them twice back in XX/XX/XXXX, and after being on hold for over an hour, was told debt falls off in 7yrs. The CSR I spoke with refused to file my dispute! I tried doing it myself online, but their website would not allow me to login. I had to call them yet again, this time just to get into my account. However the CSR did try to address my dispute issue, quoting the same 7yr rule, despite my statements that the other credit companies already ( & quickly ) removed this exact same report, along with any derogatory marks. I chose to file my dispute via their online option. That was around XXXX XXXX. I stated that the debt must be removed immediately, it was beyond the time laws in my state, and it had been done without issue by both of the other credit reporting agencies. When completed, there was a message that they would have a result by XX/XX/XXXX. It is currently XX/XX/XXXX, and I have heard nothing from Equifax. I decided to check on the status. The XXXX XXXX report was just posted, yet again, to my account! Upon logging in to my Equifax account, it states that they made a decision on XX/XX/XXXX. Curious I opened the document, and all it states is that they verified the debt!! There is no evidence on the report of my claim, my comments, or that they were requested to remove this debt, NOT VERIFY IT! They did nothing I requested them to do, nor notify me of the results. I don't understand how the other credit agencies can solve this issue, one within hours, the other within a week, while Equifax requested a month, did not address my complaint, and in prior attempts dismissed and argue my issue as incorrect!?! If it were incorrect, why would the other agencies fix the issue immediately? I am furious and beyond frustrated with Equifax. I do not understand how they are a legitimate agency.
Consumer complaint received 2019-11-05
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. (TX)

XXXX XXXX TX XXXX is showing up on all 3 of my credit bureau reports and I have not recollection of this account. I have disputed this with the creditor and the credit bureau 's and nothing has been done on the accounts. Experian, XXXX, or XXXX has furnished the information that I requested to proved and validate that this debt belongs to be. All the furnished was a statement stating that the verified it was my account and when i asked for the documents showing that this is my account the have not yet provided this information to me. The are reporting two accounts one as paid and closed and one as charged off. This information is incorrect and not true.