davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$430.00}
Consumer complaint received 2020-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (IL)

I transferred XXXX on XXXX/XXXX/XX/XX/XXXX At XXXX pm to XXXX account XXXX and XXXX told Goldman Sachs USA that they did not see it, with me on the same line. They then said I didnt have it after they got caught and I said yes I did I told them my balance and he then agreed and hung up on me. They told me they sent the transfer and then stole it.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In XX/XX/2020 I file dispute letters to all 3 credit bureaus I have yet to receive anything from them. I understand with covid goin on things are slow but taking over three months to reply is not accpectable.
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MS SERVICES LLC (CO)

There is a negative impact to my credit report due to this creditor in the amount of {$2800.00} in which I do not owe. I am not responsible for this yet I am being negatively impacted on my credit.
Consumer complaint received 2017-08-01
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: EQUIFAX, INC. (CA)

on XXXX XXXX, 2017 I disputed two tax liens being reported by Equifax on my credit file, dispute # XXXX. The dispute information came back as verified according to Equifax according to the representative at their company. Something which they have also failed to inform me personally about. Equifax continues to report incorrect and non-validated tax lien information on my credit report. Equifax is reporting two tax liens on my credit report I have personally contacted both the IRS and the XXXX County recorders office and they have stated and assured me that Equifax has never requested nor received any tax lien information directly from these entities. Equifax continues to state that they have verified the information but they have not verified and even more so not validated any information with the source of the information. Allowing unvalidated information and/or using a third party to validate any information is not allowed under federal guidelines. Further under the new guidelines established by the CFPB itself, there is missing information and incorrect information that prevents them from continuing to have this tax lien information noted on my credit file.
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2018-07-12
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. (SC)

On XX/XX/2018 I sent a letter with a copy of my social security card, utility bill, and photo id to update my personal information to only include my current information and to delete the other information reported by the credit agency on my credit file. No updates have been made as of XX/XX/2018.
Consumer complaint received 2020-09-14
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. (FL)

ANOTHER ACCOUNT NOT ACCURATE XXXX XXXX XXXX STATING I OWE {$2800.00} AND I DO NOT OWE NOTHING. I WANT THIS REMOVED
Consumer complaint received 2018-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I am trying to figure out who this collection company is XXXX XXXX XXXX I have never signed anything from them and I just want them to verify that it's me that owes them {$560.00}, I've sent letters and have got them removed from XXXX but not XXXX and XXXX
Consumer complaint received 2021-02-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

ACCOUNTS XXXX XXXXXXXX never late I NQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXXXXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MA)

Dear Sir / Madam, On Friday XX/XX/XXXX I learned that my XXXX XXXX AAdvantage frequent flyer account ( # XXXX ) had been 'locked ', meaning that I was unable to redeem miles from my account for award travel, or any other purpose. At this time, my frequent flyer account holds XXX, XXX Available award miles. At a valuation of 1 cent / mile ( which is what the Aadvantage program miles are valued at for tax purposes ), this translates to a corresponding value of {$270.00} for the award miles in my account. 

Upon calling in to the AAdvantage customer service phone number ( XXXX ), I learned that I was supposed to wait for an email message from XXXX XXXX Corporate Security, but was not informed why I could not access my award miles, or what the reason was for being denied access. It should be noted I had not ever engaged in activity expressly forbidden by the Aadvantage terms and conditions such as sale or barter of AAdvantage mileage. I have repeatedly called in to the AAdvantage customer service phone number but was never informed of what was going on. I was informed that XXXX XXXX Corporate Security was 'not customer facing ', which means that it is not possible to communicate with XXXX XXXX Corporate Security for an Aadvantage program member, despite what happened. 

I learned from online social media that many Aadvantage accounts that had award miles deposited from credit card signup bonuses were locked. In fact, the one thing that appears to be common between these accounts is that they all had mileage that was obtained through credit card signup bonuses. At least some of those accounts were terminated, meaning that all mileage earned over the lifetime of the account was forfeited. My Aadvantage account also contained mileage that was obtained through credit card signup bonuses. It should be noted that earning bonuses from Aadvantage program partners such as Citibank is not against the terms and conditions of the Aadvantage program. 

On XX/XX/XXXX, I received an email from XXXX XXXX CorpSec team notifying me that my account has been permanently SHUT DOWN, meaning that I no longer have access to my XXXX points. On top of that, my flight tickets were cancelled for my trip to XXXX in XXXX of XXXX. This includes flights from XXXX -> XXXX -> XXXX -> XXXX -> XXXX, which is a total of XXXX XXXX points ; a cash value of {$4000.00}. 

I ask that full access to my Aadvantage frequent flyer account is restored, and my ability to redeem award miles for travel or any other purpose is restored without restrictions. I also ask that access will not again be restricted when no violation of the Aadvantage program terms and conditions took place. Alternatively, if my account can not be reinstated, then I would ask for a cash-value of the points that would have been in my account, which would be {$4200.00} ( XXXX points ). 

I thank you in advance for your kind assistance. 

Sincerely, XXXX XXXX P.S. apologies for formatting/spacing.
Consumer complaint received 2018-07-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (TN)

In XX/XX/XXXX, Trident Asset management removed this same debt from my XXXX credit report. I contacted the company for debt verification in XX/XX/XXXX and received nothing. The collection is placed back on my XXXX report. Upon further investigation this company 's license # XXXX is expired XX/XX/XXXX and not licensed to collect in the state of TN. I want this debit removed, as it was in XXXX.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

I found there to be numerous unauthorized charges posted to my Wells Fargo checking account and I immediately canceled my card along with filed claims relating to the transactions. Upon filing the claims, my account was issued a provisional credit in the amount of {$1400.00} which was the total of the unauthorized transactions on my account. I proceeded to withdrawal the credited funds in my account because my rent was due and the funds would be in my account anyway if it werent for the unauthorized use of my debit card. A few days later I received an email stating that my claim had been denied and that the provisional credit in the amount of {$1400.00} would be debited from my account on XX/XX/23. The funds were taken from my account on XX/XX/23 which caused my account to be {$1300.00} in the negative. This despite the fact that the charges in questions that were denied claims for were not made by me and were completely unauthorized and the result of my debit card having been stolen.
Consumer complaint received 2020-08-19
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 (CA)

XX/XX/XXXX I have been a costumer of Capital One Credit cards since XXXX and have been in good standing for the entirety of this period. I paid off the remaining balance of debt in full online last month ( XX/XX/XXXX ). This month ( XX/XX/XXXX ) I received additional interest fees of that previous balance which came to the amount of, {$11.00}. 

I called and spoke to 4 separate employees on XX/XX/XXXX in which 2 of them were Senior Account Supervisors, XXXX # XXXX and XXXX # XXXX. I asked that they remove the {$11.00} interest fee as a courtesy. This was denied. They advised me that I am not " eligible '' for this because I would have had to make 2 full balance account payments consecutively. I asked how this could be the case, how could they have offered customers payment deferments without paying for interest due to COVID. I was advised that they did offer this in the beginning, but they are no longer offering this now, so they could not help me. When I asked about speaking with anyone else, above them, they both advised that their position is the highest rank and that there was no one else that could help me. I asked XXXX, the last supervisor I talked to, to place a complaint. He said he made a note of the complaint. I asked if I would receive some sort of confirmation, letter in mail, or follow up. He stated, " No. '' So, Capital One also has a policy according to XXXX that complaints are collected for better assistance but you as a customer will never hear about whether your complaint was reviewed and our even filed! How is this even a way of running a company that is customer based!? 

As a longstanding customer since XXXX I am appalled that the one time I ask for a courtesy of a fee to be waived at the mere dollar amount of {$11.00} after paying off my debt in full could not be granted. Not to mention the unprofessional attitude of the last Supervisor, XXXX. He spoke to me as if I were incompetent and in a condescending tone. I will no longer utilize this card and do not plan to ever be a customer of Capital One again.
Consumer complaint received 2022-07-05
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-11-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Franklin Collection Service, Inc. (GA)

I recently had a debt with Franklin Financial. I was arranging to pay the debt and have it deleted from my credit. The representative was very rude and begin to belittle me. I am a veteran of the XXXX XXXX XXXX and this is hindering my home purchasing process. The debt has been paid in full.
Consumer complaint received 2018-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NC)

My problem is with the loan servicer, Navient. I requested a Income based repayment plan in XX/XX/XXXX. According to the website, and the letter that I received, no payment would be due until XX/XX/XXXX. I got an email and few weeks ago stating the my loan is now currenting due. I logged back into the website and discovered that a payment in the amount of {$220.00} dollars would be due on the XXXX of this month ( XX/XX/XXXX ). I contacted the company and asked why suddenly are all my loans due. They could not explain why that made sense to me.
Consumer complaint received 2023-01-28
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. (AL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 2024-01-26
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 formally disputing these unauthorized inquiries in accordance with the Fair Credit Reporting Act. I kindly request a thorough investigation into my claim. Due to the negative impact on my ability to apply for loans and obtain credit, I request the immediate elimination of these unauthorized inquiries from my credit report. If there are any additional materials related to these inquiries, I request that you provide them as part of your investigation. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-14
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. (OH)

I have multiple credit inquiries on all three of my credit reports. I never applied at these companies. I have listed them below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-09-14
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. (OH)

I have multiple credit inquiries on all three of my credit reports. I never applied at these companies. I have listed them below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-12-17
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: CITIBANK, N.A. (OH)

On XXXX XXXX, 2017, I found an unknown inquiry to XXXX for New Tradeline from CBNA with Business address as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL Business type : N/A Account type or status : N/A Balance : {$1700.00} I did not authorized this inquiry and want to remove it from my record. Also want to know why they made this inquiry. 
Please help me secure my information. I am totally unaware of the inquiry.