davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-13
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 (CA)

On or about XX/XX/2019, I applied for and received an American express preferred credit card. The promotional benefits advertised and was confirmed when I contacted Amex. Amex was supposed to have been given to me once I met the criteria, which are as follows : 1. No interest for the first 12 months of all purchases 2. {$250.00} cash back after spending {$1000.00} or more within the first three months, which I did. However, I have not received these two promised introductory offers. I inquired on XX/XX/2019. I was told by XXXX  in the Florida conflict resolution office, that American Express corporate office made a decision not to give me the introductory promotional package. No Explanation was given other than after looking at my credit history, The corporate office decided not to give me the promotion. I asked that the matter be further look into as I was not informed either by email or telephone call or a letter sent to my home. On XX/XX/2019, I received an email reading that somebody from corporate office would get back to me within 5 to 10 business days. Those 10 business days were up XX/XX/2019. Today is XX/XX/2019 and I still have not heard from them. 
Oddly, Amex is honoring 6 % cashback on groceries and streaming. Had I been informed when I applied for this card, I would not have opened the card and I certainly would not opt to Open a card that has a XXXX $ annual fee. I am a low income senior and feel I was taken advantage of. This feels like bate and switch and false and misleading advertisement. If my credit history was good enough to grant the card then I should be able to have the benefits offered through that card.
Consumer complaint received 2021-11-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX, EXPERIAN, AND XXXX ALL HAVE BEEN NOTIFIED ABOUT THE INACCURACY OF MY CREDIT PROFILE IN XX/XX/XXXX, AND I HAVE YET TO HEAR BACK FROM EITHER AGENCY. THEY ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY FAILING TO REPLY WITHIN 30 DAYS. I AM ASKING TO REMOVE THE INACCURATE ACCOUNTS OR PROVIDE DOCUMENTATION. I OWE NO DEBT TO ANY OF THESE COLLECTORS. LEGAL ACTION WILL FOLLOW. PLEASE REMOVE THE FOLLOWING ACCOUNTS ACCOUNTS : XXXX XXXX XXXX Opened XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$6600.00} XXXX XXXX XXXX Opened XXXX {$6700.00} XXXX PLEASE FOLLOW SUIT AND ALSO REMOVE THE FOLLOWING ACCOUNT AS THIS REPORTS TO NEITHER EXPERIAN NOR XXXX. I HAVE NO KNOWLEDGE OF THIS ACCOUNT XX/XX/XXXX Opened XXXX {$650.00}
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc. (MI)

I have a mortgage loan that was charged off in XXXX by XXXX mortgage company and collateral was released. It was purchased by Real Time Resolutions as a debt collector, then in XXXX of XXXX the home was foreclosed upon by XXXX County Michigan and granted to the city of XXXX for delinquent property taxes. Real Time Resolutions is incorrectly reporting this loan to XXXX as an open mortgage 180 days past due for the past 6 years. There is no collateral so this loan should be reported as an unsecured loan or removed from my XXXX report entirely. This loan reporting is effecting my ability to obtain a mortgage - even my ability to obtain employment. The loan is also time barred and I am not responsible for the balance. To make matters worse the home was fraudulently foreclosed upon as the mayor and city planner are under federal indictment due to accepting bribes/wire fraud in connection to a community blight removal program that funneled properties to a contractor who already accepted a plea deal. Please help me to get this reported correctly or removed
Consumer complaint received 2021-11-09
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)

I have contacted all 3 credit bureaus about an inaccurate account that is on my credit report. XXXX has deleted this fraudulent account to reflect my true credit history, but Experian and XXXX has yet to remove the account or send sufficient documentation supporting this claim. They are in violation of the Fair credit reporting act for failing to respond within 30 days. I am asking that these 2 agencies follow suit and remove this account. Legal action will result. 

Account : XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 2021-01-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (IL)

Hello my name is XXXX XXXX and in the past 5 years, I have been diagnosed with XXXX , had XXXX major XXXX, XXXX XXXX XXXX, a broken XXXX and endless physical therapy. 

I got in touch with my student loan lender Nelnet to have my loans forgiven seeing I can't complete the degree I was going for. This started on XX/XX/2018. I was assured by a representative named XXXX that this request was being taken care of since my XXXX  dr. had sent in my XXXX paperwork to them and I'm on permanent XXXX. 

I called to see why the loans were still on my credit report and was told by a smart elic, XXXX that my loans were not in discharge status and I had to reapply. If this was so important then why are my loans just sitting in the forgiveness department not being noticed? I am tired of dealing with this bureaucrat system and want this taken care of as soon as possible. 

XXXX XXXX XXXX
Consumer complaint received 2018-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (ME)

I was called on my cell phone by XXXX XXXX XXXX on XX/XX/2018 at XXXX PM. The lady on the phone identified herself as XXXX ext number XXXX. She was collecting a debt that wasn't mine. She told me the individuals full name, Date of birth and address. I asked to speak with her manager and she passed me to XXXX XXXX. I informed him of what had taking place and he said he would look into it. I know this isn't your typical complaint. This is however how identity theft happens. I'm sure had I pressed XXXX a little harder I could've gotten at least the last 4 of that mans social security number. I didn't even have to try and she told me all this information. I'm floored that this could happen so easily. I dont ' need a call back I just want this to not happen to anyone else.
Consumer complaint received 2020-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

Sent letter requesting verification to this company more than 6 months ago. Advised company this debt does not belong to me and to cease and desist reporting this negatively on my consumer finance reports and the companies continue to report the debt as negative on my reports.
Consumer complaint received 2018-02-07
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: EQUIFAX, INC. (MI)

I have sent two letters to Equifax via certified mail requesting them to remove hard inquires on my credit report that are unauthorized. The first letter was sent XX/XX/XXXX and they have yet to respond or complete the investigation to that letter. I sent another letter again CERTIFIED MAIL on XX/XX/XXXX. I received response from Equifax this time dated XX/XX/XXXX. The request that I submitted included 7 hard inquires that are UNAUTHORIZED and I received the same response for ALL inquires, which was " inquires are factual record of file access ... '' Further more the fact that I received a response only 9 days after I mailed the letter, one can only assume that there was no investigation into the matter, nor was I provided the requested PROOF that these were factual inquires. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. On two separate occasions Equifax not only failed to provide the requested proof I consented to these inquires via FCRA section 609 and 605 they also FAILED to respond or investigate in the 30 days required by 15 U.S.C. Sec. 1681i ( a ) one occasion. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into TWO disputes for hard inquires that do not belong to me and reporting inaccurate information on my credit report. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of the consumer. To protect myself as a consumer I have placed a fraud alert on my credit report due to this unauthorized activity. I now need Equifax to act in according to the FCRA by removing this inaccurate information from my credit report.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has 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
Consumer complaint received 2018-02-07
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. (NY)

The Credit bureaus are reporting inaccurate information on my report of a bankruptcy that should not be reporting. I have tried disputing this information for almost one year and they don't seem to care or want to take it off. I contacted the Bankruptcy court and they have not reported anything to the bureaus and said third party companies maybe reporting inaccurate information.
Consumer complaint received 2018-02-07
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: ALLY FINANCIAL INC. (MD)

I have several unauthorized credit inquiries from Ally Financial from the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize inquiries on any of those dates.
Consumer complaint received 2020-01-22
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. (WV)

XXXX - COLLECTIONS ACCOUNT - SETTLED - XXXX STATES IT SHOULD BE REMOVED - IT'S SHOWING AS ACTIVE. 

XXXX- SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX - PAID/SETTLED -SHOULD BE REMOVED PER XXXX - XXXX XXXX SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX XXXX SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX=SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MS)

I filed a complaint with the CFPB on XX/XX/XXXX ( COMPLAINT NUMBER XXXX ). This complaint was for missing money orders that my company, loancare, took away from my account. My account was current until XX/XX/XXXX payment. I paid via check, and my check bounced four times. It was done bouncing on XX/XX/XXXX. The account shouldve been back dated to my XXXX payment since thats the month I was paying for when my check bounced. After all the bounces, my account back dated to XX/XX/XXXX. You can see this on the explanation loan care provided from the prior complaint. This is not correct. I paid via money orders, that should not have been taken away. I told loan care this, and they stated provide copies front and back of the money orders. I did this multiple times, and they stated they did not receive them. After I filed this complaint, loan care came back with documentation explaining that my account was back dated, but they did not explain why it was back dated to XX/XX/XXXX. It also states that my account was current as well prior to the bounces. It was contradicting itself in the letter. As you can see in the attached documents, it blatantly says it got back dated all the way to XX/XX/XXXX. But since loan care responded, CFPB closed the complaint. It was not taken care of, nor did my question get answered. Where did the money orders go, and why did it get back dated to XX/XX/XXXX? They were deposited by loan care as seen on the back of the money orders, but taken away from my account. Is loan care stealing this money and not applying it? I called loancare to discuss today. I spoke with XXXX who was a supervisor, and she said she actually does see the front and back of the money order on XX/XX/XXXX and my account should be corrected! Go figure! The ticket number where she found this in was XXXX. She said she would fix, but all the sudden she said she couldnt because I filed a formal complaint with the CFPB. She was no longer legally allowed to talk to me and CFPB had to handle it. I told her multiple times, CFPB closed the complaint. Loan care stated the complaint was still open on their end, so CFPB had to get ahold of them to fix. Can someone fix this? I am missing almost XXXX on my account!
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (MI)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2018-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PLS GROUP, INC (MA)

On Saturday XX/XX/XXXX, I did a bill pay at PLS CHECK CASHIERS on XXXX XXXX XXXX XXXX XXXX, Ma XXXX Of {$2700.00} and paid for a next day service Of {$2.00}. To XXXX XXXX XXXX for my Mortagage payment. On Wednesday XX/XX/XXXX, I checked my Mortagage account to see if it was updated with the payment and it wasnt. 
So I then call the PLS phone number on the receipt and I was told to come in store with the receipt, which I did. 
I spoke with the shift supervisor, she contacted PLS customer care, I spoke with the agent, the agent contacted My Mortagage company ( XXXX XXXX ) we were on a three way call trying to locate the transaction, however it was unsuccessful, the PLS agent was unable to track the funds, I was adviced to wait until XXXX for PLS to trace or locate the transaction as the funds were unable to be refunded to me until XXXX XXXX either receive the payment or reject the payment. I called the XXXX XXXX, payment was not received, I then called back PLS customer care, I filed complaint and was advice that someone will get in contact within 24hrs, which no one did so I called back and spoke with a PLS CustomerCare care manger explained to her the issue, ask if she could track the funds, and her reply was that shes unable to track or locate the funds. I asked her what must I do and she said she does not know. Its now XX/XX/XXXX and My Mortagage company still havent received this payment for XX/XX/XXXX. It is now reported to the credit bureau, which will affect the credit rating. 
Please note that I have been making payment using this method since XX/XX/XXXX. Also the account number on PLS receipt is the correct Mortagage account. 
Im just appalled that PLS was unable to track or locate the funds and seems nonchalant about the missing funds.
Consumer complaint received 2024-02-04
Product: Credit reporting 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. (PA)

XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  My identity was compromised even though I am working diligently with credit freezes. There are inquiries I do not recognize showing on my credit report. 
The inquires I listed above were not warranted by me and I would like them to be investigated and removed in accordance with the fair credit report act.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

Claim # XXXX and Claim # XXXX denied. 

Last year I contracted XXXX and was XXXX  for multiple weeks and placed on a XXXX. Since then, I have been XXXX XXXX XXXX  of the XXXX  numerous times due to the XXXX XXXX  incurred from XXXX. My recent XXXX  stays occurred from XXXX, XXXX, XXXX, XXXX, and XXXX. It should be noted that XX/XX/XXXX, I was unable to find my driver license and do not know how long it had been missing. 

The purpose of this email is that during and in between my hospital stays fraudulent activity occurred on my debit card. Due to my XXXX, I was not aware of the unauthorized activity at the time. I reported this fraud, but both Claims ( Claim # XXXX and Claim # XXXX ) were denied. I informed the phone representative I can provide copies of medical documentation to provide Wells Fargo, as well as file police report. They stated this was not necessary.
Consumer complaint received 2018-02-07
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. (MD)

There are 3 unauthorized credit inquiries on my credit reports from XXXX XXXX XXXX XXXX  from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize any of the inquiries from those dates.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

I have a Federal Student Loan Balance under {$4000.00}. I submitted applications for federal student loan forgiveness as well as, public service student loan forgiveness. While the Biden Administration works out those details, student loan payments and interest have been paused. Navient has harassed me with phone calls and reported my account 90 days delinquent to the credit bureaus. This has dropped my credit score over XXXX points. I am in the middle of a home repair. This fraudulent behavior is costing me and my family money.
Consumer complaint received 2021-10-09
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (CA)

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. 

Account name : XXXX XXXX Account # XXXX, Account name : # XXXX XXXX Account name : # XXXX XXXX XXXXXXXX, has 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. 
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