davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: College Loan Corporation (PA)

Received correspondence from XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX have a second address on form of XXXX XXXX XXXX, XXXX TX XXXX phone number XXXX - stating that they are collecting a debt from original creditor college loan corp/XXXX. Total due {$10000.00}. This is not my debt and they will not provide me with documentation about this debt.
Consumer complaint received 2016-04-28
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have had an XXXX XXXX Platinum card since 1981. Only yesterday I discovered that they discriminate against some of their platinum card holders by not offering them promotions that they offer other platinum card holders. Specifically, I did not receive an offer to purchase airline tickets with XXXX XXXX points at a XXXX % rate than normal that was offered to other platinum card holders. This is discriminatory
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX of CA incorrectly has listed XXXX debts per credit bureau. Despite my certified letter to them dated XXXX/XXXX/XXXX, they have failed to validate the many debts and keep incorrectly reporting them to the XXXX credit union. Their lack of response is greatly effecting my ability to get a HELOC loan of which I am in need.
Consumer complaint received 2017-05-01
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. (TN)

I sent in a dispute on an entry on my Experian and  XXXX  credit file that showed a Chapter  XXXX  bankruptcy. I asked the company to provide me with documentation for how they came up with this entry. I asked for validation of the entry. Experian has not provided any such validation so I disputed it again. This time they wrote back saying that they would not investigate the matter anymore. This was printed on my credit report dated  XXXX   XXXX ,   XXXX  . The have not validated the entry nor have they provided any documentation supporting the validation of the entry yet they continue to knowingly inaccurately report the entry.  XXXX  has deleted the entry while the other  XXXX  credit reporting agencies continue to knowingly report false information.   According to the law, the burden of proof is on the credit bureau and/or the furnisher of the information. This means that I have the right, by law, to dispute any item on my credit re port that I feel is not accurate. Also as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), they have 30 days to complete the investigation. When the credit reporting companies (  XXXX , Experian, and  XXXX  ) do   not prove the listing on the reports are accurate and provide validation in a timely manner when requested, by law the entry in question must be deleted. By not doing so they are in violation of federal law which can be punishable by a fine of {$1000.00} per violation if taken to court.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I reviewed my credit report 2024 of XXXX and noticing EXCESSIVE, unlawful credit reporting ADDRESS violations BY EXPERIAN in accordance of ; 15 U.S. Code 6821 ( a ) ( 1 ) ( 2 ) ( 3 ) - Privacy protection for customer information of financial institutions.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.
Consumer complaint received 2020-05-27
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. (NC)

XXXX should not be reporting to Equifax ; XXXX and XXXX that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account had been transferred and one of my payments had been processed incorrectly and because of this processing error my account had reported a late payment. The payment of XXXX had actually been entered as a payment for XXXX. Consequently because of this initial data entry error, this account has been falsely reporting a ( 30 ) day late. I contacted XXXX and I was assured that this data entry error would be corrected. Unfortunately, they did not keep their word and this account is still reporting wrong. I have contacted the bureaus as well to remove this late however, I have not been successful.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a FTC Fraud Affidavit to Transunion on XXXX XXXX, 2016. I received a letter from Transunion, dated XXXX XXXX, 2016, stating that the document does not appear to be an official, valid law enforcement report that they can accept. I submitted the documents through the FTC.gov website. So they have a copy as well as Transunion. I need your assistance in getting this matter resolved.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have contacted XXXX XXXX and Experian multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be removed.
Consumer complaint received 2016-09-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (OH)

I have a credit card for Best Buy Citibank. I 've probably used it a few times this year. I have been making payments online and never bother to look at the statements ( since I have n't used it much ). Today I happened to look and noticed a fee for {$7.00} and DEBT PROT XXXX next to it. I have no idea what this is. I 'm assuming it is for Debt protection, but this is something I never signed up for and I do n't understand why I am being charged for it. I looked up my statements for the previous months and I saw that I have been charged for this " Debt Protection '' every month for over a year! I ca n't see my statements for past XXXX 2015, so I ca n't see how long they have been charging me. The fee is always different ... sometimes {$7.00}, sometimes {$8.00}, and sometimes {$9.00}. Is there anything that can be done about this? How can they charge me when I never signed up for this?
Consumer complaint received 2018-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been trying to get my credit together before applying for a mortgage and have fought to remove inaccurate information off my report including information claim have been verified by providing me with statements or copies of billing statements. That is NOT sufficient validation. I have disputed online, and through mail. They have not sent me verification of contracts. I am needing proof other than the same automated message : XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity. 


XXXX XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity.
Consumer complaint received 2016-02-11
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (VA)

I applied for an America Express Card but have been constantly denied credit. I filed bankruptcy ( Chapter XXXX & XXXX - I believe ) about 20 years ago, Amex was XXXX of the cards included in that bankruptcy. Back in those days, I was financially devastated. I have rebuild my life and my credit again, with XXXX score hovering above XXXX points. 
I believe American Express is holding my bankruptcy filing against me in denying me credit.
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Financial Resources, Inc. (MA)

I had a storage unit at XXXX canceled it then moved my belongings out and my mother moved all of her stuff in. I discussed this with the receptionist and was told that my mother was not able to take over the unit it was going to stay in my name i was very frustrated but there was nothing I could do and the receptionist would not do anything to assist me. My mother made all the payments for her unit until she became ill and was unable to pay for her belongs and she contacted the storage unit several times to discuss this. They sold off all her belongings when she was in the hospital and sent me a bill. My mother is on XXXX now and can not afford to pay this bill. This debt is not mine and does n't belong to me.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MIDCOUNTRY FINANCIAL CORP (AE)

Step 1 : What is this complaint about? 
XXXX pulled my credit report without my permission. When I asked why, I was told that the representative was not willing to put the reasons why in writing. 

Step 2 : What type of problem are you having? 
I have never used XXXX services before. I want to know why my credit was pulled, and why is this still an ongoing thing. 

Step 3 : What happened? 
Back in 2011, I tried to purchase a plane ticket for my son, to fly him to where I was stationed in XXXX XXXX, Wa. The military would not book my son a ticket on the same airline because they did not partner with them, so I told XXXX I would not be needing their services. I never used the ticket. I have spoken with them numerous time, but they are still showing up on my credit report as delinquent. I do not owe them anything. 

Step 4 : What company is this complaint about? 
XXXX Services Step 5 : Who are the people involved? 
Just myself and XXXX.
Consumer complaint received 2018-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC. (MA)

I received a letter dated XX/XX/XXXX informing me that an account, # XXXX opened in my name at XXXX XXXX and handled by XXXXXXXX XXXX, was transferred to XXXX XXXX XXXX XXXX XXXX. The account number at MCM is XXXX, and the amount they are seeking to collect is {$170.00}. I have never opened an account at XXXX XXXX. I called the telephone number provided in the collection letter and asked to talk to XXXX XXXX, the gentleman who signed the letter and was told by the person who answered the phone that his name was not familiar to her and she could not contact him or transfer my call to him. At the suggestion of the office of the Attorney General, Commonwealth of Massachusetts, I contacted the credit bureau and learned that an account was opened in my name at XXXX XXXX and handled by XXXXXXXX XXXX. I contacted XXXXXXXX XXXX and learned that an account was opened in XX/XX/XXXX with an address of XXXX XXXX XXXX XXXX, XXXX, MA XXXX. My address since XX/XX/XXXX has been XXXX XXXX XXXX XXXX, XXXX, MA XXXX. I received no invoices for the charges from XXXXXXXX XXXX at my XXXX, MA address. The first indication of an account was the letter I received from XXXX XXXX XXXX XXXX XXXX in XXXX of this year. Upon further investigation I learnt that the account was charged off by XXXX XXXX in XXXX of this year and sold to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX referred the matter to their Fraud Department and I also asked the credit bureaus to place security alerts to my credit files. The Attorney General 's office also suggested filing a report with the Federal Trade Commission which I did. The FTC Report Number is XXXX.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (AK)

Nfcu today and week ago called but they refused to give me answer and the people who hack me on the phone soundbite the other calls. I can't log in nore make a payment. Sounds like the people at the convenience store during stinger hack
Consumer complaint received 2016-10-12
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

I had a check made out to my son I was attempting to cash using a POA. I reached out to Ace Cash Express at XXXX XXXX XXXX XXXX FL XXXX. I spoke to XXXX. She stated that they could/should be able to cash the upon confirmation of 3 items : 1 ) call the attorney to confirm the check is legitimate 2 ) Call the XXXX and confirm my son is there ( the reason for the POA 4 ) Speak to the person that notarized the document to confirm that is legitimate Once these steps were completed I awaited word that her manager would sign off on the check. 
The manager XXXX the District Manager called. He stated they would need another/a 2nd POA from my son in XXXX specific to the check. I explained that was redundant and I will see my son on Saturday and take him to cash the check. 

I had one SIMPLE request for XXXX ( he refused to provide me his last name ). I requested ALL my personal information be removed from Ace Cash Express ' System. I have never, nor would I ever, do business with them and did not feel comfortable with my ss # /DOB/ address etc in their system. 
XXXX refused to remove my information. 
I informed XXXX I provided my information based on the XXXX 's statement that she could cash the check. I would not have given my information to Ace if not for her stating they could do the deal. 
My personal information is mine and I chose to protect it. I feel its completely within my rights to have it removed from their system. I do not nor have I done business with them -- they have no right to hold my information hostage like that. 

I would respectfully request that ALL my personal information be purged from their system. 

Thank you!
Consumer complaint received 2016-02-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: First National Collection Bureau, Inc. (TX)

An old debt from XXXX ( now XXXX ) was settled with XXXX XXXX XXXX ( XXXX ) for {$880.00}. First National Collection Bureau resurrected the claim using different account numbers. I paid First National {$730.00}, until I realized it was the same old claim.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I am victim of identity theft. An unknown person has been using my information to obtain credit. I notified Experian of this, as well as the furnisher of information, XXXX XXXX. I obtained an identity theft report from the XXXX XXXX Police Department as Experian instructed me to do. I sent a copy of this report to Experian as well as XXXX XXXX. The account was removed from my credit report in XXXX XXXX, then it was added back to my credit report in XXXX XXXX. I was never notified by the credit bureaus of the reinsertion as required under the FCRA. I have disputed this fraudulent account numerous times since then and Experian is claiming to verify the account. I am not liable for this account because I did n't apply for it and it is a result of identity theft. Experian is violating FCRA 605 B and I am considering court action.
Consumer complaint received 2015-10-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (NY)

I 'm a holder of a XXXX Mastercard, issued by Barclaycard. In the last month, Barclaycard has stopped XXXX of my transactions and harassed me either via phone or text message that my card is blocked due to security concerns. 

The transactions ( XXXX XXXX / XXXX XXXX / XXXX XXXX and two times on XXXX XXXX were in range between XXXX - XXXX USD. As Comparison, my Credit Line is XXXX USD and my annual spend with the Card approx. 60k USD. 
I understand that as a card owner I have the obligation to support the card issuer to keep my account safe, but stopping the usage of my card XXXX times within a calendar month where non of the payments are disputed require your regulatory advise.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CBE Group, Inc. (FL)

XXXX I received a letter where you are trying to collect a debt, I do not nothing about that owe I thing that own do not belong to me. I'm not the person you looking for. please you can contact me by call or email. phone number is XXXX email XXXX, XXXX XXXX
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion did not address my situation. None of the accounts have been verified nor validated. I have reached out to all of the creditors for them to send me a copy of the credit application with my signature on it stating that I applied for these cards and they could not produce the paperwork. In XX/XX/2011 i was a victim of identity theft due to loosing my personal information some time ago. I have a number of accounts that I have asked to be verified as well as the method of verification under FCRA Section 611 and none of the accounts have been verified. I have also contacted the creditors to send me a CONTRACT AGREEMENT WITH MY SIGNATURE ON IT STATING I AGREED TO PAY FOR ANY DEBT THAT I INCURRED AND HAVE NOT RECEIVED NOTHING. E-Oscar is not a form of a verification method. No third party information is correct especially with NO SIGNED CONTRACT. Also there is a bankruptcy that has not been verified this I know for a fact also because the court house do not verify on the phone nor do the courts report bankruptcies to third party companies. These accounts need to be removed immediately due to none verification/validation. 

ACCOUNTS : XXXX ; XXXX credit card ; XXXX ; XXXX ; XXXX ; XXXX. XXXX bank accounts : XXXX, XXXX, XXXX, XXXX, XXXX. XXXX ( XXXX cards ), XXXX, XXXX, and XXXX. 
All these accounts need to be removed. The bankruptcy needs to be removed also,
Consumer complaint received 2024-01-27
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. (FL)

I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit.
Consumer complaint received 2018-03-19
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. (TN)

I have been trying to get my credit together before applying for a mortgage and have fought to remove inaccurate information off my report including information claim have been verified by providing me with statements or copies of billing statements. That is NOT sufficient validation. I have disputed online, and through mail. They have not sent me verification of contracts. I am needing proof other than the same automated message : XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity. 


XXXX XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity.
Consumer complaint received 2016-10-21
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Cornerstone Home Lending Inc. (TX)

I received a phone call from my lender Cornerstone Home Lending and they told me they would no longer accept my payments. Over the past year I have been paying my house payment bi-weekly and have made 26 two week payments. My lender told me I could no longer do that and if I did my payments would be returned to me. The only way they would honor a two week payment was if I signed up for a program they had and that my mortgage payment would have to be direct deposited to Cornerstone. I do not want to do this because it prevents me from having financial flexibility. I feel Cornerstone Home Lending is using predatory strong arming because I am financially responsible. The fact that I will pay my mortgage off early incited them to threaten me to no longer accept my bi-weekly payment. Cornerstones policy regarding partial payments is the following. " The disposition of a partial payment received may depend on a number of factors including but not limited to : the amount of the partial payment, whether your loan is delinquent, the investor of your loan, whether your loan contains an escrow feature, the number of times a partial payment was received within a 12 month period, whether your loan is being or has been modified. For Any of these reasons, a partial payment may be ( XXXX ) returned to you, ( XXXX ) applied to your loan, ( XXXX ) accepted but held in a non-interest bearing unapproved funds until you send us additional funds sufficient to equal a full periodic payment due. '' Over the past twelve months Cornerstone has been accepting my bi-weekly partial payment but now I am being to they are no longer going to honor that payment process. Cornerstone is changing our agreed upon payment process. They have decided to change their decision without me agreeing to it. I see it as I have made 13 house payments in a twelve month period and they have accepted everyone of those payments. They are applying a rule meant for individuals who have a hard time meeting their financial obligation to my situation which is the exact opposite.