davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
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. (WI)

On XX/XX/2022 I sent out letters challenging incorrect information on my credit report In accordance with the Fair Credit Reporting Act XXXX XXXX : Account number : XXXX, XXXX. 
XXXX : Account number : XXXX PROFESSIONAL PLACEMENT Account number : XXXX XXXX XXXX XXXX ASSOCIATES Account number : XXXX XXXX XXXX XXXX ASSOCIATES Account number : XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer, I demand the following accounts be DELETED from my consumer credit report immediately. 

The XXXX of such inaccurate and incomplete information has severely damaged my personal and credit representation of myself and has caused severe humiliation, Emotional distress, XXXX anguish, and lower FICO Scores The term " identity theft '' means fraud committed using the identifying information of another person. By you reporting my personal information, accounts that are not accurate and are misleading. You are actively committing fraud by having these items on my consumer report because I never gave the XXXX XXXX XXXX permission to report my information I have yet to see a response on my investigation sent which is another violation & its been way over XXXX  days.
Consumer complaint received 2022-03-23
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: Resurgent Capital Services L.P. (TX)

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-03-23
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. (OH)

XXXX XXXX  XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, I sent a certified letter with return receipt via the US Postal Service to TransUnion disputing an erroneous account on my credit report. I asked for the account to be verified and validated, and to have the documents sent to me that were used to verify and validate this alleged debt. I received notice that they received my letter but they have refused to respond to me. It has now been more than the 30 days, which by federal law via the Fair Credit Reporting Act and Code of Federal Regulations that they have to respond to me as a consumer. By law, since they willingly chose to respond, they now must delete the account in which I disputed. I have attached the documentation which was sent and received by them.
Consumer complaint received 2022-03-23
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. (TX)

in accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXXt # XXXX {$1000.00}, XXXX XXXX XXXX Account # XXXX, {$960.00}, XXXX XXXX XXXX Account # XXXX, {$1500.00}, XXXX XXXX XXXX XXXX  Account # XXXX {$1500.00}, XXXX XXXX XXXX account # XXXX, {$140.00}, 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 2022-07-15
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. (PA)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I was never late on these accounts. There are multiple errors shown in my report. Please check the last payment, the account number, etc. These are good standing accounts. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$13000.00}
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC. (GA)

Started the refinancing process with Ally bank on or around XXXX XXXX. I was approved, and a rate of 3.3  % was locked. The appraisal was waived ( see attached ). All pertinent information was provided, reviewed, and completed by Ally 's staff, and closing was scheduled for XX/XX/XXXX. However, I encountered a problem with the closing rep, and I requested another rep to finish the process. I have a lien of {$20000.00} that was supposed to be added to the loan, ( " The Subordinate Deed of Trust is being added to your loan to be paid off at closing. Once fully added a new loan estimate will be sent to you for review '' from XXXX XXXX on XX/XX/XXXX ), but the reps failed to complete this process prior to closing. As such, I was told by the closing agent, XXXX XXXX, that the team was going to correct the issue, and closing needed to be rescheduled for another date. 

I received an email from XXXX XXXX on XX/XX/XXXX stating my rate went from 3.3 % to 3.5 %. On XX/XX/XXXX, the rate went from 3.5 % to 3.625 %. I disputed the rate hikes because I was a day from closing with a rate of 3.3 %. XXXX stated he would seek a " concession '' because of the mistakes on Ally 's part. XXXX days later, he informed me that the concession was only {$250.00}, which would not change my rate. I told him that was just unfair, and he states he would escalate the issue to another team. 

Today, XX/XX/XXXX, I received an email from XXXX XXXX stating '' Your appraisal has been ordered. '' Bear in mind that this process was waived early in the process, and we were in closing. Moreover, I was not aware of the appraisal and I did not approve it. I also received an email from Collateral Inspections requesting that I choose a date for next week. 
It appears Ally is doing everything to get out of this deal now that interest rates have gone up. They are using the appraisal against me because I informed XXXX XXXX that my daughter and my husband are unable to be exposed to anyone during the pandemic due to underlying health conditions. This is unfair, unethical, misleading. A
Consumer complaint received 2023-03-04
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)

This is my several endeavors to tell Experian credit bureau that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2021-11-10
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)

I have been notified in XXXX, by a debt collector of an unpaid auto loan taken out fraudulently in my name with XXXX XXXX  in late XXXX. Subsequent investigation revealed this unpaid debt to be on all my credit reports, which I requested in XX/XX/XXXX. 

In XX/XX/XXXX, I have written to all 3 credit reporting agencies, to notify them that this debt is the result of identity theft and provided them with evidence of this. I have also asked them to remove the 2 incorrect addresses associated with my credit report. 

XXXX and XXXX have complied. Transunion have declined to remove the fraudulent debt report and called me a liar.
Consumer complaint received 2021-11-10
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. (IL)

To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX, XXXX, or Experian any written consent to report anything on my consumer report. No consent is Identity Theft.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MD)

I opened up an account with XXXX and XXXX. At the time I was approved as I have been by 6 other companies and My credit score was In the High 700s when I did. Okay I have a son so I added my wife to the accounts as an authorized user being I am always busy at times and be working 13-15 hours some days. The cards come in the mail I take my son shopping maybe twice but one particular day I took my grandkids shopping and poof Im holding the line up and humiliated that cashier states did you pay your bill I said sir Its not time for my bill I am a new customer. Well I was told at the register my card may have been closed but he asked me to call them and I did that after I paid for my items using a different card. While on the phone with customer service she tells me my account has been closed and she couldnt disclose a reason so I immediately filed a complaint with the better business bureau and Comenity bank said they would definitely send something In the mail and they did and there claiming they closed my account for to many inquiries which are Lies. The only inquiry I had was two credit cards at the time and an approval to purchase a home and one of the extra cards I later found out was from XXXX which was closed and issued by the same bank Comenity bank. Now Im finding this fishy after I realized my wife had identity theft that caused her to become bankrupt at one point she got back on track with her credit and applied for a Victorias Secret credit card whom was issued also at Comenity bank. While she was a customer every time we went into that store she always had to get on the phone because immediately there cashier would say its displaying some message and would contact Comenity bank and she would have to get on the phone at the store to have her card restored weird but yes she did. Anyway my wife paid her account off and went to shop in the store for the last time to find out her card had been cancelled w/o notice she called they did in fact not give her a reason and she just let It go all together. But I cant because this isnt sitting well with me when I have never had this problem with any other bank but all of a sudden I add her on my account and my account is cancelled and all they can say is to many Inquiries and this is damaging as I spoke to my realtor about this. I feel DISCRIMINATED AGAINST BY COMENITY BANK. Please direct me in the right direction as to how is this possible and what can be done!
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I have sent in several letters with the proper documents to remove the incorrect information and it still remains on my credit file, I call in and they are very rude and disrespectful and constantly tell me I didnt send in any letters or documents when I clearly sent it certified and know they have it cause I check the tracking, this incorrect Information is injurious to my credit, its like Im wasting money sending certified letters and not getting any results this is not fair that experian is the only one doing this, its my knowledge that all 3 credit agencies should have the same information on file,XXXX XXXX XXXX XXXX  XXXX mo XXXX is not my address and is not on file with XXXX and XXXX these two only have one address on file and its my correct one experian will not put my correct address on file My only existing address is XXXX XXXX XXXX XXXX XXXX  XXXX mo XXXX
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, I applied for XXXX XXXX XXXX XXXX and was accepted. Two weeks later, however, I was restricted access due to a credit issue with Bank of America. I spoke and tried to fix the issue with Bank of America, and even made sure my closed accounts were paid, but they failed to change the status. Instead, they left the status to " account fraud '', as it's automatic in the system that they automatically close an account if there is suspected identity theft. I had not been with Bank of America for quite some time already ; more than two years already, and I still have this marking. 

Numerous times I have tried to speak with XXXX XXXX XXXX to fix this issue. I even went back to Bank of America, but they told me to dispute with XXXX XXXX XXXX. The response I kept getting from XXXX XXXX XXXX was that they found the information to be accurate, which was not the case. -- There was no identity theft and this is forcing XXXX XXXX XXXX XXXX to deny me access. 

I would like to escalate this further, and kept getting delayed because of millitary orders and my independent contracting position to help keep myself and family financially prosperous in COVID-19. 

Consumer ID : XXXX Contribution Ref # : XXXX Principal Loss : Fee Reversal : Combined Loss & Fee Reversal : Paid/UnPaid/Settled : Unpaid Contribution Reason : Checking Account Fraud Contributor : BANK OF AMERICA Bank XXXX XXXX XXXX XXXX Account # : XXXX Account Type : Primary signer Attached is my security appeal for the restriction hold fo my XXXX federal account number XXXX XXXX Other parties involved -- - XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2020, I applied for XXXX XXXX XXXX XXXX and was accepted. Two weeks later, however, I was restricted access due to a credit issue with XXXX  XXXX XXXX. I spoke and tried to fix the issue with XXXX  XXXX XXXX, and even made sure my closed accounts were paid, but they failed to change the status. Instead, they left the status to " account fraud '', as it's automatic in the system that they automatically close an account if there is suspected identity theft. I had not been with XXXX  XXXX XXXX for quite some time already ; more than two years already, and I still have this marking. 

Numerous times I have tried to speak with Early Warning Services to fix this issue. I even went back to XXXX  XXXX XXXX, but they told me to dispute with Early Warning Services. The response I kept getting from Early Warning Services was that they found the information to be accurate, which was not the case. -- There was no identity theft and this is forcing XXXX XXXX XXXX XXXX to deny me access. 

I would like to escalate this further, and kept getting delayed because of XXXX XXXX and my XXXX XXXX XXXX to help keep myself and family financially prosperous in COVID-19. 

Consumer ID : XXXX Contribution Ref # : XXXX Principal Loss : Fee Reversal : Combined Loss & Fee Reversal : Paid/UnPaid/Settled : Unpaid Contribution Reason : Checking Account Fraud Contributor : XXXX XXXX  XXXX Bank  Routing # : XXXX Account # : XXXX Account Type : Primary signer Attached is my security appeal for the restriction hold fo my XXXX XXXX account number XXXX XXXX Other parties involved -- - Early Warning Services , LLC ; XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

On XX/XX/XXXX, I emailed XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, Tx informing her of the incorrect amount of debt XXXX XXXX XXXX XXXX charged me. The misinformed document stated that I owed them for " Replacement Keys '' in the amount of {$100.00}. The referred keys were actually left in the kitchen drawer ( near the refrigerator ) the night I vacated my apartment ( Unit XXXX ) on XX/XX/XXXX per XXXX XXXX XXXX request. I informed earlier that day on XX/XX/XXXX that I would be moving out after office hours, so how should I go about returning my keys. That is when she informed me that I should just leave them in a drawer and take a photo of said keys and email it to her for proof. I did exactly what she asked of me. I then, reached out to her the next day informing her about a gate key that I had forgotten to turn in. She then asked me if I could mail it or turn it in. I drove to the XXXXXXXX XXXX XXXX XXXXXXXX and returned the gate key to a lady sitting at the desk. I emailed and let her know that I had returned the key, her response was " Thank you so much ". So, once I received the statement for " replacement keys '' from XXXX XXXX XXXX XXXX, I was confused and that's when I reached out via email on XX/XX/XXXX and XX/XX/XXXX when I never received a response on XX/XX/XXXX. I then tried calling, no answer so I left a voicemail. No returned phone call from the voicemail either. That week, I called a few times throughout the day and FINALLY got someone to answer the phone. I explained the situation to the lady who answered, and also informed her that a debt collection company ( I.Q Data International XXXX Inc. ) had been reaching out to me via mail ( it was only mail at the time ) regarding the incorrect amount owed that was stated by them. She then told me that they were super busy and it would take XXXX until the end of the week to read the email for proof in order to correct the amount. The end of the week would've been XX/XX/XXXX. I received no call back, no email, no correction. 
I reached out again XX/XX/XXXX and was told that they were still super busy and that I should hear something by the end of the week. The collection company has recently started to call me multiple times throughout the day, and it's really disheartening that this is something that could have been easily fixed and the harassment by the collection company wouldn't exist! I have been extremely patient with this situation. I do not mind paying what I owe. I just want to be treated fairly.
Consumer complaint received 2021-11-10
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 (VA)

Several weeks ago I added an AMEX merchant offer to my American Express Gold Card whereby I could purchase a new XXXX XXXX XXXX membership for {$45.00} and receive a {$25.00} statement credit. On XX/XX/XXXX I did so. Unlikely usually with AMEX offers, I did not receive a confirmation email of the offer being used/triggering and in the few weeks since have not received an indication I would be receiving said {$25.00} statement credit back. While AMEX 's terms say they can take quite some time to provide the credit nonetheless usually AMEX is quick with such credit provision. I online chatted with an AMEX representative to clarify on why it was taking so long to receive my credit, or any indication that it was eligible, and the AMEX representative said that the XXXX XXXX XXXX purchase was not eligible. 

However, based on the terms of the purchase, I followed the AMEX offer exactly down to the letter. I have not been a XXXX XXXX XXXX member in anytime in recent memory, the purchase was for a regular new club membership and not a plus membership, the purchase was online through XXXX, the purchase was not combined with any other offers, and it was for {$45.00}. There is no legal reason why I am not deserving of/entitled to the {$25.00} credit, as I very likely would have not purchased such a {$45.00} membership without AMEX inducing me on the promise of a {$25.00} credit and I followed the offer terms exactly.

I am concerned that AMEX has seemingly improperly coded the purchase, making it so many others may also not be receiving their credit ( if anyone at all ), and their inability to look at the case beyond the coding such as looking at receipts or appeal to a manager/supervisor. Either AMEX has made mistakes with their coding for this offer or is engaging in unfair/deceptive/abusive acts or practices by inducing people to purchase a new XXXX XXXX XXXX membership and not giving them their credit that they are entitled to receive based upon following the terms and conditions exactly.