davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IN)

American Express ( AMEX ) has an online website that I use for payments. I made an online payment for the full statement amount on XX/XX/22. When I completed the payment online I saw that an icon showed auto payment was setup. I then deleted the online payment that I had just made all in the same browser session. The system gave me a message that the online payment had been cancelled. I found out two days later that the system did not cancel the second duplicate payment. I contacted AMEX and they said they could not cancel pending items but they notated my account so that I could call back in and have this rectified. I then called XXXX and asked if there was anything I could do proactively rather than waiting until after the damage was done. XXXX said that I could put a Stop Payment on the duplicate payment that was not yet tendered to XXXX and the end result would be that the Pending payment would be paid but not the subsequent duplicate payment. XXXX actually ended up putting a Stop Payment on the Pending item and the one duplicate that was later tendered. I then called AMEX and asked what should be done. AMEX told me to make the payment again on the phone and I did so but in a slightly different amount to avoid any Stop Payment order by XXXX. The third payment on the phone processed as expected. A few days later I saw that AMEX charged my account an interest fee of {$200.00}. I called AMEX to have this fee reversed since this was all a result of AMEX 's system not cancelling my online payment that was a duplicate. AMEX told me that there were no notes documented on my account as I had been told. Further they would not reverse the fee.
Consumer complaint received 2021-04-07
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: Experian Information Solutions Inc. (OH)

I previously submitted a dispute regarding XXXX XXXX that was deleted and then reinserted. Please remove this account from my credit report. 

My correct name is XXXX XXXX : Please delete these incorrect variations of my name : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX My current address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove these addresses I have never lived at or may belong to a relative : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX CT, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AE)

Greetings and Blessings from the Most High God. Per the FCRA as a federally protected consumer and child of God. I am formally opting out of any and all authorizations, I the consumer XXXX XXXX XXXX may have given XXXX XXXXXXXX, written, unwritten, verbal and nonverbal per 15 usc 6802. 

Account : XXXX XXXX XXXX has consistently violated my federally protected rights. Despite numerous requests to cease their reporting to the CRAs due to their so-called " lawful reporting ''. The banks entire existence rests upon my signature and the authorizations that were given to them by use of my signature. Yet, under the hood XXXX XXXX XXXXXXXX XXXX  XXXX has reaped all the benefits of my good name and has not provided me remedy or equity in any transaction they've made using my good name and social security number.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-01-17
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)

Someone used my identity to create a XXXX XXXX credit card account on XX/XX/XXXX. This account was used to purchase XXXX XXXX game consoles from XXXX and XXXX XXXX game consoles from XXXX. 

I called XXXX XXXX on XX/XX/XXXX, explained the situation to them, and asked them to close the fraudulent account and remove the item from my credit report. I was assigned case # XXXX. 

On XX/XX/XXXX I mailed a completed " fraud packet '' to XXXX XXXX. 

On XX/XX/XXXX I left a message for XXXX XXXX 's ID theft department ( XXXX ), asking them to close the fraudulent account and remove the item from my credit report. 

On XX/XX/XXXX XXXX XXXX ( XXXX XXXX representative ) and I got XXXX  XXXX on the phone, and we were told to send an email to XXXX, which I did the same day. 

On XX/XX/XXXX I received XXXX XXXX letter, dated XX/XX/XXXX, indicating Our investigation confirmed someone using your personal information fraudulently opened the account ending in XXXX. 

XXXX and I tried repeatedly between XX/XX/XXXX and XX/XX/XXXX to talk to XXXX XXXX to get them to remove my account information from my credit reports, but we were unsuccessful.
Consumer complaint received 2024-01-23
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance XXXX {$510.00} XXXX XXXX ( Original Creditor : XXXX MUSIC XXXX XXXX ) XXXX Balance : {$1800.00} Medical XXXX  Balance : {$1400.00} XXXX XXXX  Balance : {$610.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-19
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. (MD)

There are 2 late payments being reported to a closed XXXX XXXX Account on my credit. The late payments are XXXX and XX/XX/2020. I have never been late. I disputed multiple times with the 3 Credit Bureaus over the last 2 years and they have not updated my credit report. They keep saying " Information Verified ''. I ask for the source of verification and they never provide it. Furthermore, I spoke with the creditor, XXXX XXXX XXXX XXXX. They have no recollection of late payments under that closed account.
Consumer complaint received 2024-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$57000.00} XXXX XXXX  XXXX Balance Owed XXXX {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$48000.00}
Consumer complaint received 2021-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (TN)

I had a credit card with XXXX XXXX XXXX XXXX XXXX. I got behind on payments. The account was sold to CKS PRIME INVESTMENTS. They used a company called XXXX XXXX for collections. On XX/XX/XXXX I received a letter from XXXX offer a settlement of paying 40 % of the XXXX balance which would be XXXX. On XX/XX/XXXX I made this payment via XXXX website under settlement offer and received an email for the payment. I went back a few weeks later Mid XXXX and noticed on my credit report CKS PRIME was showing a balance of XXXX still due. I disputed the balance with XXXX. The results came back in the same month stating CKS PRIME says the balance is correct and in collection. I then called XXXX spoke with XXXX XXXX on XX/XX/XXXX because when I tried to pull up the account on their website it said invalid reference number. He said the account was paid and resolved via settlement offer and sent back to CKS PRIME as settled. He then stated that's why you can't pull it up on Our website. I called CKS PRIME the same day. I spoke with XXXX XXXX, XXXX, XXXX, and XXXX operations manager. I was told by XXXX in operations that it was a simply fix. She would email XXXX and tell them too XXXX  the balance out because the could see the payment of XXXX. XXXX for the settlement offer. XXXX stated she would follow up with me once she heard back. On XX/XX/XXXX I followed up and was told by customer service that the balance had been fixed and the dept that submitted information to the credit bureau would update the acct.. but I couldn't talk with XXXXIt is still reflecting on my credit report. This acct was paid XX/XX/XXXX. The XXXX XXXX account should not be reflecting on the report because they sold the account to CKS PRIME. I have also sent letters to both XXXX  and XXXX  asking them to re- investigate this.
Consumer complaint received 2021-04-07
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. (GA)

I am victim of identity and I am requesting for Experian to block and remove these fraudulent accounts immediately : 1. XXXX XXXX XXXX XXXX ACCOUNT # : XXXX BALANCE : XXXX 2. XXXX XXXX XXXX XXXX ACCOUNT # : XXXX BALANCE : XXXX 3. XXXX XXXX XXXX XXXX BALANCE : XXXX 4. XXXX XXXX XXXX ACCOUNT # : XXXX I have attached a copy of my police report for Experian to block and remove these fraudulent accounts.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Social Finance, Inc. (IL)

On Tuesday XX/XX/2021, {$8900.00} USD was withdrawn from my bank account from SoFi, I do not have a SoFi account or know anyone that have one. Additionally, I received {$100.00} USD from XXXX. I did my own research and the {$100.00} was their sign-up promotional. I did not authorize the sign-up for XXXX. I have contacted my bank, and now I would like to file a complaint about SoFi and XXXX. I never authorized any of it, I don't even know the XXXX  account that was supposedly made under my information.
Consumer complaint received 2024-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Hello, I have sent several attempts to have the collection agency to validate the debt. The agency has failed to provide the correct documents in order to validate the debt. Letters were sent on XX/XX/2021, XX/XX/2021, XX/XX/2021. And I am not receiving the information requested. Only the same letters stating " This is an attempt to collect a debt ''
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2021-04-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

IN 2018 WESTERN UNION ( VIA THEIR AGENTS IN OUR NEIGHBORHOOD XXXX, XXXX, ETC ) HAS BEEN COLLECTING INFORMATION AND GETTING COMPLETE FILES ON ME AND MY PARENTS AND DEMANDED MY SOCIAL SECURITY NUMBER TO RELEASE THE MONETARY GIFT MY PARENTS HAD CONTRACTE THEM TO DELIVER TO ME FOR OUR BIRTHDAYS AND XXXX. 
WHEN I DENIED TO RELEASE MY SSN AND INSTEAD I PRESENTED THEM WITH NOT ONE, BUT TWO VALID GOVERNMENT ISSUED PROOFS OF ID ( MY REAL ID DRIVERS LICENSE AND EVEN MY CHIP TECHNOLOGY US PASSPORT, BOTH VALID ) AFTER ENTERING ALL MY INFORMATION INTO THEIR SYSTEM, THEY STILL DENIED ME THE MONEY MY PARENTS HAD SENT US, AND THEIR AGENTS STILL INSISTED THAT ONLY BY GIVING THEM MY SSN THEY MIGHT BE ALLOWED BY THE WU SYSTEM TO RELEASE MY MONEY I AM CONVINCED THAT WESTERN UNION - A BANK WHICH I DID NOT CHOOSE TO OPEN AN ACCOUNT WITH -HAS USED THE FACT THAT MY PARENTS HAVE CONTRACTED THE MONEY TRANSFER SERVICE WITH THEM -TO FORCE ME TO GIVE THEM MY SOCIAL SECURITY NUMBER AND GATHER -UNDER FALSE PRETENSES- ALL THE OTHER PRIVATE INFORMATION ABOUT ME AND MY PARENTS.

IN EFFECT, WU, VIA THEIR AGENTS COLLECTED ALL MY INFORMATION AND MY PARENTS INFORMATION TO KEEP US AND IT HOSTAGE IN A HORRIBLE BAIT-AND SWITCH TACTIC WHICH - TO THIS DAY- HAS NOT BEEN RESOLVED. I BELIEVE THERE ARE MILLIONS OF PEOPLE WHO HAVE SUFFERED THE SAME FATE WHEN THEY ENTRUSTED WESTERN UNION WITH THEIR MONEY TRANSFERS AND WHO KNOWS WHO HAS BEEN MAKING A KILLING ON THE SOCIAL SECURITY NUMBERS THEY STOLE?
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

There are 2 late payments being reported to a closed XXXX XXXX Account on my credit. The late payments are XXXX and XX/XX/2020. I have never been late. I disputed multiple times with the 3 Credit Bureaus over the last 2 years and they have not updated my credit report. They keep saying " Information Verified ''. I ask for the source of verification and they never provide it. Furthermore, I spoke with the creditor, XXXX XXXX XXXX XXXX. They have no recollection of late payments under that closed account.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

The mortgage company sent an outrageous figures to my title company for pay off amount which no body can comprehend .Contacted them several times for explanation but they made false promises and never respond .We need the following break down : -Break down of all payments made to Shell Point mortgage XXXX 
-Deferred payment of XXXX breakdown. 
-Principal deferred of XXXX breakdown. 
-Funds owed to borrower of XXXX breakdown- - interest to XX/XX/21 of XXXX Facts on the loan when it was bought from XXXX mortgage. What was the the loan balance upon purchase and a complete breakdown. 

Thanks, XXXX XXXX
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payments on XXXX and XX/XX/2020. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-11-29
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)

They are reporting a company I have never seen or had any interactions with called XXXX XXXX XXXX I previously had a fraud alert on my credit report and currently have a identity theft form and documentation on file as well as a police report. I never had an account with this company or any companies attached to them and this is negatively affecting my credit. I also have a XXXX XXXX account which has been paid and has not been updated. Also a XXXX XXXX which was paid and I currently have an account with them with the same account number yet it is still reporting negatively. There is also an account named XXXX XXXX, XXXX  which I do not recognize and have never done any business with this company and never had an correspondence prior to this showing on my report.