davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (HI)

An annual recurring benefit of the US Bank XXXX XXXX XXXX XXXX credit card is a {$100.00} software credit. Between today and XX/XX/2021, I performed my due diligence prior to purchasing a monthly XXXX XXXX XXXX XXXX - I called in and asked US Bank customer service to confirm that a monthly XXXX XXXX XXXX subscription would qualify for the annual software credit and multiple US Bank XXXX confirmed and assured me, on a recorded and monitored line, that this recurring purchase would qualify. Therefore, I put my trust into them and proceeded with the purchase. After XXXX consecutive months of purchases, I called in to inquire about the software credit. US Bank again assured me it would post, but that it can take up to XXXX extra billing cycles to reflect so I waited XXXX more cycles and still no credit was received. I called them back today and the first representative claimed this benefit does not even exist. Then I escalated it to a supervisor and they, too, initially claimed it does not exist until I provided a direct link to the advertised benefit. Then they changed their story to say that my purchase does not qualify due to the XXXX XXXX XXXX. However, I have multiple US Bank representatives confirming and reassuring me, over recorded phone calls, that I would, indeed, receive the full {$100.00} software credit. I understand that US Bank does not control the XXXX so if that is the case, they should not have representatives confirming and reassuring something that is not 100 % certain because that would be misleading and deceptive towards customers like myself. This could all have been avoided had customer service conveyed that they were not entirely sure that a monthly XXXX XXXX XXXX subscription would be eligible. If they relayed it to me that way from day one, then I would not have proceeded with this subscription in the first place. Please check the recorded call history as proof of my claim.
Consumer complaint received 2024-10-14
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. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (NY)

XXXX XXXX, sent me payments through Wise on XX/XX/2010 and 15 including three {$500.00} and one {$1800.00} payments. Wise promises the money will arrive in recipient 's bank within three or four business days. However, its been one and half months, these three payment transfers still on pending. One {$500.00} transfer was canceled, but Wise did not return the money to senders bank account and still keeps it. One and half months is more than enough time for so called extra checks and fixing issues. I contacted Wise several times and asked them to resolve issues or cancel these immediately, but they did nothing. I did not ask for disclosure of transfer specific details ; I want my money back. The sender also asked Wise for cancelation so that they can resend them. But Wise did not take any action to help me to fix the problem, nor they cancel these transactions, it chose to steal my {$3300.00} money unscrupulously.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-10-14
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. (FL)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

EXPERIAN HAS VIOLATED MY PRIVACY RIGHTS AND FCRA, 15 USC 1666B STATING : ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER RECEIVED A NOTICE FROM XXXX XXXX XXXX ACCOUNT NUMBER XXXX WITH 21 DAYS PER FEDERAL LAW, AND MY ACCOUNT WAS NEVER LATE. 

I HAVE 10 LATE PAYMENTS- ALL OF WHICH VIOLATE 15 USC 1666B I NEVER GAVE EXPERIAN PERMISSION WRITTEN OR VERBAL TO FURNISH INFORAMTION FROM XXXX XXXX XXXX I ASKED FRO A METHOD OF VERIFICATION SINCE THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED AND EXPERIAN REFUSED TO PROVIDE ME A METHOF OF VERIFICATION OF LATE PAYMENTS
Consumer complaint received 2021-07-13
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: Receivable Collection Services, LLC (NJ)

DEAR SIRS, THESE ACCOUNTS HAVE YET TO BE VALIDATED AFTER REACHING OUT TO THESE COMPANIES OVER THREE TIMES REQUESTING VALIDATION. PLEASE ASSIST ME IN SOLVING THIS MATTER.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This company is reporting an account that is charged off on my credit report but they have not sent me a 1099C. According to federal law they were to furnish a 1099C once they charged off the account but I have not received a 1099C. If I dont receive a 1099C within 15 days, I will be filing a XXXX with the IRS as this is considered tax fraud since I have not received a 1099C.
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (RI)

I have tried to send XXXX dollars to a friend for an XXXX using Venmo. Venmo is holding my money now going on 2 weeks. I have tried emailing them for more information and all I get is generic responses. they told me they are working with the other party to obtain the information needed. I have asked for what I did wrong, details of why they are allowed to hold the money. I asked for them to cancel the transaction and send me my money back I get no response. I asked for a supervisor no one contacted me. My money is being tied up with out any rational or explanation. this is wrong and inhumane. Thank you for all your help with this.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MA)

When I originally got a bill and saw the amount I disputed it with the company and the credit bureau I never charged a cell phone bill for over XXXX When I contacted the company XXXX directly they said they couldn't help and nothing they could do..maybe was too old not sure. I then disputed it with the credit bureau and gave as much info as I could ... No resolve and this is still under my credit profile for over XXXX and states will be till 2025... I feel upset because I have tried resolving the issue but no avail ... just occasionally receive the collection letters that I have no intention on paying cause I didn't incur them nor do I have the means. Obviously impacting my score negatively and Impeding me to mend the rest of my credit. Please assist
Consumer complaint received 2022-07-26
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. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, The only address I live at and that should be reported on my credit report is : XXXX XXXX XXXX XXXX XXXX  GA XXXX Addresses That needs to be removed : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX - Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX - Account Number XXXX XXXX DEPTEDXXXX - Account Number : 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have sent numerous letters via Mail and have not had a response back yet.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies it states 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.

I have provide screen shots of inaccuracies and responses from the the credit Bureaus. I was still ignored and the inaccurate information is still on my credit report I have provided my government issued Identification so the process is not delayed
Consumer complaint received 2021-07-13
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. (MI)

I paid off my car loan on XX/XX/XXXX of 2021. Another customer erroneously paid on my account. This lead to XXXX XXXX reopening my closed account. I was not made aware of this until I received a letter dated XX/XX/2021. I was assessed late fees for payments not being made since XXXX and a major delinquency was reported to all three credit bureaus dropping my score 60-80 points. I have contactedXXXX XXXX on XX/XX/2021 over the phone who took 40 minutes to make sense of the account. I expressed my concern over my credit score that I have been working diligently to improve over the past two years. XXXX XXXX expressed that it is not their problem to contact the credit bureaus to make corrections. I have contacted all the credit bureaus to explain my situation and provided them documentation.
Consumer complaint received 2022-07-26
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. (NC)

I have been submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-10-22
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 — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (CA)

GM Financial reported a late payment for XX/XX/XXXX and XX/XX/XXXX. 

XX/XX/XXXX was a tough year. Covid was spreading and I was sick at the time back to back they said they couldn't offer me any assistance due to me using all 4 payment extensions. I made the account 30 days late but then I was told by a representative that they were offering assistance and that they wouldn't report people late during covid as long as the account was not 60 days past due. I tried my very best as a single mother trying to survive during tough times and made the payment 1 day late which pushed me to 30 days being reported late. This is not fair. I even saw on the GM website they were helping customers during covid but they refused to help me. 


XX/XX/XXXX was tough for me I was on XXXX XXXX and wasn't receiving my payments on time from state XXXX but I tried my very best to make sure I made my payments on time to avoid any future mistakes. My payment was due on XX/XX/XXXX. I made my payment on XX/XX/XXXX. Someone how my bank rejected the payment and I was not aware until the following 2 business days that the payment didn't go through so immediately made a payment on XX/XX/XXXX with ACI payments which is instantly instead of doing ACH for the amount of {$520.00} plus the {$5.00} fee so the payment would immediately be taken out to avoid any delays. I called the next day to speak to a representative and explained what happen and they said there was nothing they could do and that I could try disputing with the credit bureaus. I tried several times with no success. These late payments are drastically affecting and as long time GM customer the company would not help me.
Consumer complaint received 2023-06-28
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-08
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. (FL)

I have previously filed several complaints about XXXX XXXX XXXX XXXX complaint # XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. ALL OF MY COMPLAINTS have been CLOSED and nothing has been resolved! 

I never made any late payments, XXXX XXXX has not provided me proof that the payments they show as late ever happened, and yet continues reporting a late payment history on my account. I need your assistance correcting this error. NO LATE PAYMENTS WERE MADE! ALLY MUST fix this error immediately as they are causing my score to be low and my extensions of credits are being offered at high rates.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (MO)

Target stores closed my account last month onXX/XX/XXXXdue to inactivity. We received one and only one communication about this which got misplaced until it was too late. I work for a very large bank with not only their own credit cards but branded cards as well and have talked with that legal team about the following : 1. There should have been more than just one general prepaid mailing that looked more like junk mail than a call to action notification. 2. As I have opted in for digital communication, they should have sent important account information to my selected email, of which there were none. 3. I have their manage red card site where I paid my bills and on this site every single time I went in wanted me to update financial information, NEVER did this pop up a warning telling us about a pending closure. I contacted them MANY TIMES informing them of their error and their lack of proper customer communication that all good providers ( including where I work ) do to one keep clients and two mitigate the possibility of a lawsuit. Every time they claim they can not turn the card back on that I have to apply for a new one which from the lawyers and branded cards team where I work is a flat out LIE. All I get is we will take this as a learning item for future process improvements.