davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
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. (MN)

On XX/XX/XXXX I had a storage unit I rented that got burglarized. A couple of boxes of items as well as a laptop bag with personal and business documents were stolen. Among these items were sensitive paperwork containing my social security number and birthday, etc. I filed a police report claiming all the pertinent information related to the missing items and the theft. 

Apparently, within a month someone was using my data to obtain credit and apply for credit. Between XXXX and XXXX of XXXX, I was in XXXX  for 30 days and on XXXX XXXX for 44 days up until about the first week of XXXX give or take. 

I have repeatedly requested that XXXX & Experian investigate this account, provide me with proof of my signature or anything like method of verification, etc.. they have not. The in fact, continue to report the item as verified and updated. 

XXXX XXXX XXXX XXXX account XXXX... IS A RESULT OF IDENTITY THEFT AND I NEED THAT TAKEN OFF OF MY CREDIT REPORT. 

*Data sets related to inputting of accounts were not Metro 2 Compliant. 
*Payment Status Data Listed is Mismatched, Compared to Other Credit Reports. 

I am going to submit the police report and insurance claim documents related to this incident as proof of my truth. I can even get the documents regarding my brief jail time to PROVE that I wasn't even in any way able to open a XXXX account in XX/XX/XXXX. 

My Original CFPB complaint is XXXX If they claim it's to remain on record until XX/XX/XXXX, and won't provide any proof to me, I humbly request the item be immediately and permanently deleted from my XXXX and Experian Credit Reports . 

They have not provided any proof of the Method of Verification nor have they deleted the account from my report. Continue to say the item is updated and it will remain on record until XX/XX/XXXX. How can they do this? They clearly have not properly investigated and have violated my Federally Protected Consumer Rights. 

I have substantial grounds and valid proof and reasoning for the Deletion of This Account.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (UT)

Target, and their issuing bank TD Bank, lowered the credit limit on my card without informing me 45 days in advance of the change as required by law. I have a 800+ credit score and have paid the Target card in full multiple times.
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Summary : I did not receive the advertised welcome offer for the Amex XXXX Card XX/XX/2020 : I applied for the Amex XXXX   Card through this link : " XXXX/amex-offers '', which indicated the following welcome offer : " Support Restaurants You Love. Receive 20 % back as a statement credit when you make a purchase at restaurants worldwide with The XXXX  Card within the first 12 months of Card Membership, up to {$300.00} back. 

PLUS, earn XXXX Membership Rewards Points after you spend {$5000.00} on eligible purchases with your new card within the first 3 months of Card Membership. '' Clicking on the XXXX  ( also owned by Amex ) link took me to the following link, which indicated the same welcome offer ( I also saved the webpage and the terms from when I applied, see attachments ) : " XXXX : XXXX '' I applied and was instantly approved. 

XX/XX/2020 : I used the online chat feature and asked the Amex customer service representative to confirm that the welcome offer was attached to my account. The representative confirmed that the XXXX MR points after {$5000.00} spend was attached, but could not see the 20 % back on restaurant purchases ( up to {$300.00} back ) attached. I was transferred to a supervisor and an investigation was opened for me. 3 weeks later, Amex said that the investigation concluded that I should receive only the XXXX MR points offer. I disagreed, and told them I had proof that the terms clearly advertised that I should receive 20 % back on restaurants ( up to {$300.00} back ) in addition to the XXXX MR points. A new investigation was opened, but to this day ( XX/XX/2020 ), Amex has not honored their publicly advertised welcome offer. 

Therefore, after multiple attempts to resolve this issue with Amex, I have no choice but to submit a CFPB complaint about Amex 's misleading advertising and marketing practices. I would never have signed up for a {$550.00} annual fee card if it wasn't for the lucrative welcome offer.
Consumer complaint received 2020-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (FL)

A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Pursuant to the Fair Debt Collection Pract ices Act, 15 USC 1692g Sec. 809 ( b ), XXXX  claim was disputed and validation was requested. I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that XXXX  provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (VA)

Apple Card/Goldman Sachs ( AC/GS ) has failed to process valid transactions on my card, and has failed to honor commitments they made to respond to formal complaints, that I filed with a service agent. The root problem is that AC/GS declined ( for suspected fraud ) a {$100.00} purchase on {$20000.00} credit limit, did not contact me, and was unreachable for nearly 3 hours. 

At XXXX on XXXX XXXX I attempted to make an in-person {$100.00} purchase with my Apple Card via digital wallet. The merchant told me the transaction was declined. I tried two more times with the same result. The advertised process is that AC/GS will send me an electronic notification to my phone and and email, regarding declined transactions ; I received neither. I tried to contact AC/GS via in-app " chat '' and was told it would be 100 minutes before someone could respond ( transcript attached ). I called on the phone and was told it would be 160 minutes before I could speak with an agent. Eventually I received phone call from AC/GS agent " XXXX '' or " XXXX ''? He indicated that the transaction seemed suspicious and was blocked as suspected fraud. After a very long discussion, he took two complaints, and told me I could expect a response in 48 hours. That was 12 days ago. 

On XXXX XXXX I contacted AC/GS via chat for status of these complaints. AC/GS responded " we are unable to access customer information at this time. '' How is this even possible? On XXXX XXXX, a chat agent told me they couldn't provide any update on my complaints. ( transcript attached ) Apple Card 's Terms and Agreement ( attached ) include provisions to use electronic communications, including email and on-device notifications. These services appear to be unreliable. This could put me and other cardholders at risk : is AC/GS is not sending the notifications? Are notifications not being delivered? Or are they delivered to someone else?
Consumer complaint received 2020-07-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-06-29
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. (AZ)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And i am sure its because, none of yous want to do your job. dates are when i filed reports. i discovered i was a victim of identity theft. My bank was compromised, several accounts and inquiries. showed up on my credit reports. i immediately placed fraud alert on all reports. i continued to check reports and learned that the fraud alert was not in place. and all my disputes kept being ignored, while new inquiries kept coming in. this has been going on even to current day. 
i have done hundreds of disputes and placing fraud alerts, with the credit agencies and with Consumer Financial Protection agency. ( you guys ) and not one thing has changed. 
i am stating that the Credit agencies and CFPB has refused to do their job. wrong personal information, the inquiries is outrageous. i know for fact that no one is doing their job with everything ive been through.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX I submitted a dispute to Equifax that XXXX ( student loan lender ) was incorrectly reporting late entries on a CLOSED account. As per XXXX 's own records, the account in question ( ending XXXX ) was closed on XX/XX/XXXX. However, my Account History with Status Codes ( aka payment history ) shows 13 entries of late payments beginning in XXXX through XX/XX/XXXX. I have contacted the lender and they are investigating the issue. XXXX  reports, " We have verified that this item has been reported correctly '' when the creditor, XXXX, reports they show XXXX late entries and have no idea why Equifax report says I've been late. I've had equally frustrating experiences with all three major credit bureaus wherein their " investigation '' is simply a regurgitation of a creditor stating " everything is correct ''. Consumers have the right to review the data provided that supports this assertion. I can not possibly be late three years after an account was CLOSED. The lack of even common sense being applied to data that impacts your life so severely is beyond concerning. Scores determine homeowner ownership, the ability to purchase a vehicle and so many other major life decisions. It is a travesty that the bureaus are allowed to operate with such little regard to reviewing and investigating the data they report.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX & XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
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 2022-03-10
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. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax claims to have investigate a dispute of a collections I had on my credit report, yet never provided me with information they obtained during the investigation used to substantiate the debt. I have no knowledge of the {$29.00} debt that is alleged on my credit report I owe. 

There is no means to appeal this or offer a statement through their website stating the debt is not mine and their investigation was inaccurate. Equifax appears to walk in lock-step with collections agency, as their investigation or lack of one agreed that the a 4-5 year old date of {$29.00} was correct. 

Had Equifax actually investigated my dispute, they would have obtained proof of the debt I owed and be able to provide it to me. There is no manner in which I can make this request. Instead of being transparent in their investigation, Equifax merely states we conducted investigation, verified the debt and " trust us. '' I do not trust them. Show me the proof that I owe a nearly half decade {$29.00} debt.

The public 's credit is controlled by only three organizations. Their transparency or lack thereof effects peoples ability to buy homes. cars or take out loans and use credit cards. Erroneous information which is then purportedly investigated and found to be valid without proof is a disservice to the public.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to you because I had reached out to Transunion and XXXX on XX/XX/XXXX and XX/XX/XXXX about a serious issue with an account reporting falsely on my credit report. I want to know why this is still reporting if it doesnt belong to me? You never sent me any correspondence about this. I have been a victim of severe data breaches dating as far back as XXXX. My previous employer had a major breach where my personal information was leaked and used, including social security number and financial information. I have to check my credit regularly to make sure nothing is happening.
Consumer complaint received 2020-09-12
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: CCS Financial Services, Inc. (GA)

I received a letter from this company on XX/XX/XXXX in response to a validation of debt ( dispute of the debt ). Attached was an enclosed copy of a Health Insurance Claim form XXXX which indicates the Name of the Referring Physician ( line 17 ) and Diagnosis code ( line 21 ). This letter is in attempt to collect on a past due medical debt. This is a violation of HIPAA Privacy Law. My medical information should not be shared without my permission to any third parties. I did not receive services from Credit Collection Services and have no contractual obligation to them. Any billing details including diagnosis has been shared in violation of my rights. 

On XX/XX/XXXX I made a phone call to the company, the call was recorded and requested an email address to send a letter in writing. I was denied an email address to send communication. I have requested verbally that communication and collection efforts must immediately cease and this item be removed from my credit report. The representative claims that the company is not at fault.
Consumer complaint received 2022-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

I have been working on my credit and noticed that I had a collection account from ENHDANCED REVOCERY COL. I was unaware of this debt. I also noticed on my credit report that the original creditor is XXXX who no longer exists. Which for one makes me question how could someone owe for a company that no longer exists. I decided to write them a letter certified asking them to validate the debt. They were unresponsive. I then wrote XXXX asking them to validate the debt and it came back verified but no proof as to what I owe and who I owe was sent to the consumer whose credit is being affected by. ACCT # XXXX is the account at hand I am speaking of. 

ACCORDING TO 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ACCORDING TO 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Reporting Act ( XXXX XXXX XXXX  ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) Has Violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A.

Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-12
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: Trojan Professional Services, Inc. (CA)

I'm a victim of identity theft and just found out that a company named Trojan Professional services has been reporting this account on my credit that i never authorized. I have never given permission for them to obtain my personal information like my social security number or personal address. I have stated this to XXXX  on XX/XX/2020. I have sent them my valid FTC report as well as police report to support my request.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NV)

The lease was paid in full at the end of 36 months. After we dropped off the car and was told that everything was done, four months later Honda contacted us to tell us that we owed a drop off fee. This was never disclosed at the actual drop off of the car. When it was brought to my attention, we immediately paid the bill. Honda never mailed us or called us to bring to our attention that we owed anything until 4 months after the actual drop off of the car. Ever since then, Honda has wrecked havoc on our credit. Saying we missed 4 months of payments. Then saying we was late 90 days twice in two different years. If you check our accounts, we had a perfect payment history with them on three separate accounts. Even now on our experian accounts, the account in question shows paid in full 100 % on XX/XX/2018 followed immediately by a 90 late accusation. We've asked Honda to fix this and filed disputes with the credit agencies to no avail. All Honda does is keep misreporting and affecting mine and my wife 's credit. Please remove this erroneous blemishes from our credit report