davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-15
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 (KS)

Good morning American Express, I have been attempting to redeem some of my member rewards ( MR ) points and I am not able to due to the message " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I am trying to book a flight for the XXXX XXXX season coming up to see family and i find it completely distasteful that I had legitimate spend on my card yet I am now at the mercy of American Express reviewing my account, however long that will take. 

Please unlock my membership rewards account so I can book a flight with my hard earned points. I am asking as a long time customer of American Express. I dont mean to be pushy. I just want to use the points I fairly earned. I am sure American Express can agree with that. I pay {$550.00} card benefit for this card and I better be able to use all the benefits. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2023-04-06
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. (TX)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-04-06
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 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 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: CAPITAL ONE FINANCIAL CORPORATION (TN)

In accordance with the fair credit reporting act Capital One Account XXXX, has violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-06
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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  Accounts has violated my Rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I filed a dispute by mail with Experian regarding inaccurate information being reported. Experian indicated the information was valid however they failed to provide details that I requested such as how they verified the information and requested supporting documents. Experian continues to dismiss my request along with actually verifying the account which can be proven by looking over my report. There are clearly errors on my report that manipulates the status of limitation and if Experian was actually reviewing and conducting an investigation then they would have identified those errors and if they were ethical then they would have deleted/updated the account. Experian continues to send generic responses stating it was validated when it wasnt. An actual ethical investigation has not taken place and they need to be held accountable as this has a negative impact on my report and credit score.
Consumer complaint received 2018-02-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (OH)

I was behind on all of my bills and needed to fix my credit card issue. I had recently moved into a new home and things needed to be done, one of those things was a fence for my yard because my dog ran out and got hit by a car and XXXX. So I contacted XXXX XXXX XXXX for help, I thought finally I can rest because I thought they were going to handle everything,They first told me to STOP making my payments and change my address and phone number to theirs, So that is what I did and this eventually wound up to XXXX sending all of the info to XXXX XXXX XXXX and I didnt know anything about it and I thought it was being handles until I was served with lawsuit papers. I even called XXXX and asked that they place this account ahead of my other accounts and they told me they would need $XXXX more, So thats what I gave them in addition to my regular payment so they can get this resolved. Needless to say they never resolved it and it got turned over to a law firm named Zwicker and associates. I made payment plans with them That were automatically taken out of $XXXX bi-weekly. I was never told that I had to contact them again to set up more payments. I thought this was already taken care of as I set this up with Zwicker for an auto deduction, I looked online at the XXXX XXXX   court records yesterday XX/XX/18 and found that they were placing a lien on my bank account and never notified me by phone or mail that I had to set up payments again or that they were placing a lien on my account.I called and tried to get back on a payment plan and they advised me that I could not do this until I had $XXXX for them to even consider taking the lien off.
Consumer complaint received 2023-04-06
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In Accordance with the fair credit reporting act XXXX  Accounts has violated my Rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (WI)

Customer of XXXX for 15 plus years. Recently became Citizens customer as a result of their merging. 

Currently have approximately {$31000.00} on deposit with Citizens. 

On XX/XX/XXXX I initiated transferring just under {$10000.00} more to Citizens from XXXX XXXX XXXX Bank. Citizens pulled the money but never credited to my accounts. Showed a pending completion date of putting money in our accounts in the year XXXX XX/XX/XXXX I called Citizens to work on correcting problem and subsequently close accounts. Spent HOURS on the phone XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX helped us revoke our authorization to transfer and got back all of our transferred funds ( just under {$10000.00} ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I called Citizens, emailed them AND sent a notarized letter requesting to close the accounts XX/XX/XXXX they initiated the process to close the accounts XX/XX/XXXX they closed our accounts totaling just over {$31000.00} As of XX/XX/XXXX, they still have not cut us a check for our money. Representative indicated that they are having troubles cutting checks and it is unknown when money will be returned to us
Consumer complaint received 2020-10-19
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: Experian Information Solutions Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2018-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ECMC GROUP, INC. (TN)

For the last 3 and a half years ECMC has been taking payments out of my check every two weeks. Before I left my employer I was told that I owed around 2-3 thousand on it and that it would be done. However,  my credit report still shows that no payments have ever been paid at all. I have been dealing with them for around ten years now. Here I thought I was at the end of this and it shows that nothing has ever been paid. I feel like with payments over the years and payments from my checks that I have paid this loan back several times over. I am sure I can get my financial statements from my old employer showing all the payments that have been paid, but when I speak to them they are hateful and rude and make threats. I am a single mother of XXXX children. I am wanting to buy a house but can not do so because of this company. I don't understand how they can do this to people. I agree I proba ly still owe 1500 to 2000 and would not mind paying it if I knew for sure that it would help. I just want to be able to give my kids a home and provide for them and feel like I cant.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, my TransUnion XXXX credit score dropped from XXXX ( excellent ) to XXXX ( very good ). I reviewed my credit report and found no errors -- all balances went significantly down, there are no inquiries, past due payments or any other adverse information. I have established a credit file more than 35 years ago. How can a credit score go down 33 points for absolutely no reason? There is no way to dispute a credit score with TransUnion. I understand that a credit score can fluctuate, but there must be a glitch here.
Consumer complaint received 2023-04-06
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX IXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} 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 2018-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Frauding scams using XXXX Indiana and XXXX Indiana title work attached to towns social numbers and birth certificate and XXXX   record and schools records, 50 states frauding cases Also frauding scams using XXXX fraud ids and business permits Frauding scams using XXXX business permits and ids There was others counties of Indiana which wrecked on that location of data
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I requested for paper billing statements XXXX, XX/XX/XXXX from specialized loan servicing customer care XXXX XXXX XXXX. Called on XX/XX/XXXX, XX/XX/XXXX. Each time the customer care said they will send paper billing statement. 
But the company did not send until now. 

I then called XXXX XXXX XXXX XXXX XXXX XXXX. It goes to voicemail, which says they will call back in 24 hours. Called on XX/XX/XXXX, XX/XX/XXXX, requesting paper billing statement for the month of XXXX, XXXX, and XX/XX/XXXX. But no one called back. 

I did not get any paper bill statement for XXXX, XXXX, and XX/XX/XXXX. 

The same thing happened when they did not send paper statements for the month of XX/XX/XXXX, XXXX, XXXX, And XX/XX/XXXX. 
I send a complaint to CFPB complaint ID XXXX on XXXX XX/XX/XXXX. Only after you contacted Specialized loan servicing, did they send the paper statements informing the issue was due to system error.
Consumer complaint received 2019-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (AR)

I AM CURRENTLY ON THE PUBLIC SERVICE FORGIVENESS PROGRAM. MY LOANS WERE TRANSFERRED FROM XXXX TO FEDLOAN DUE TO THIS. FEDLOAN HAS HAD MY LOANS FOR OVER A YEAR NOW. THEY HAVE NOT CALCULATED MY PAYMENTS TO COUNT TOWARDS MY PSLF. I HAVE GOTTEN SEVERAL REASONS FOR THIS. LAST TIME I CALLED AND DISCUSSED THIS I WAS TOLD IT HAD BEEN REVIEWED MULTIPLE TIMES ( MORE THAN 6 ) AND NOTHING HAD BEEN DONE. I SENT A MESSGE TO CUSTOMER SERVICE IN THE SUMMER AND RECEIVED THE MESSAGE THAT BASICALLY SAID THEY WOULD CALCULATE MY PAYMENTS WHEN THEY FELT LIKE IT. I ALSO FEEL THAT MY PAYMENTS ARE NOT APPROPRIATELY APPLIED TO THE LOANS I HAVE.
Consumer complaint received 2021-02-02
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. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

So me and my partner work together buying and selling items. I have been providing cash flow, swiping my credit cards and we have paid off all the balance all time for years. 



Then I went to XXXX XXXX XXXX on XX/XX/2021. I leave the card to my partner to repay the bill. Last charge was authorized by me is in XXXX which is already paid off. 



My card was charged relentlessly on XX/XX/XXXX XXXX and XXXX with no fraud alert. Until I checked my online account on weekend that following week and found out the issue. I asked my partner and he said he didn't use the card. I filed a police report in my town and was told to submit a report on this website. 

Chase total charges is {$8500.00} XXXX total charges is {$140000.00} XXXX Please advise.
Consumer complaint received 2018-02-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (LA)

On XX/XX/XXXX I purchased {$5000.00} worth of virtual currency from Coinbase. On XX/XX/XXXX that {$5000.00} was withdrawn from my checking account and sent to Coinbase. On XX/XX/XXXX I received an email that my order had been cancelled with no explanation as to why and that I would receive my funds back in my bank account within 3-4 business days. I immediately began a support case via email with Coinbase to clear up any confusion & rectify the mistake of the order cancellation. I received no personal email response so I began calling Coinbase to try to understand why the order was cancelled and when I could get either my currency or my USD back in my account. At the time of writing this it is XX/XX/XXXX and I have spent many weeks calling and many hours on hold with no resolve to my issue. I still have no money back in my checking account and I have no virtual currency either. My case is continually 'escalated to a specialist ' but no one can provide any answers in regards to when I will receive my funds back, what happened or why it is taking so long. At the time of writing I have logged 18 phone calls and 7 emails with no resolve since XX/XX/XXXX.
Consumer complaint received 2018-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IN)

I've tried to get accurate information about this student loan debt since XX/XX/2017. Everyone ( all 3 credit bureaus & XXXX ) keep giving me the run around with no offically signatures from me connecting me to almost {$14000.00} in alleged student loan debt. Finally, after requesting this information several times ; XXXX sent me a packet with several pages of computerised signatures ( which I did no such thing over the internet in reguards to any federal student loans ). Connecting me to this alleged debt. The credit bureau ( XXXX  ) states no original documents were given to them with my original signature connecting me to any student loan debt yet the information in there system is accurate due to confirmation of my social security number, address, DOB and name?!