davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (CA)

It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXX XXXX XXXX : {$12000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-03-30
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: EQUIFAX, INC. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-30
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. (CA)

I need assistance in requiring the credit reporting agencies Experian, XXXX, and XXXX to stop ignoring my oral and written instructions to correct errors on my consumer report. I have mailed 3 notices by mail with instructions and called twice on XX/XX/2022 and XX/XX/2022. I should have a lock on all XXXX reports and yet there are over 25 hard inquires for XX/XX/2022. There are accounts listed that are not mine and I require the CRAs to remove them. There are addresses not personal to me that I require the CRAs to remove. There are many unauthorized hard inquiries not once authorized that I require to be removed. Under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require the information listed in the section below be corrected, updated, and deleted permanently. I have not given my written consent allowing them to provide or furnish any of the information in question. But I have given them oral and written instructions to correct the invalid information and accounts. They are not following my instructions and this is a violation towards me.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Holding Company, Inc. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Consumer complaint received 2022-03-30
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. (NY)

I am writing today because I am shock how poor attention and lack of investigation XXXX and Transunion has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX Account # XXXX The first error is the last verified date Transunion is reporting XX/XX/XXXX and XXXX does not show a reporting date. 

The second error is the date of the last activity Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

The third error is date open Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

The fourth error is the closed date Transunion is reporting XX/XX/XXXX and XXXX is not reporting a closing date. 

The fifth error is the payment status Transunion is reporting late 120 days and XXXX is reporting Unknown. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-03-30
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. (MO)

'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 and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WA)

I applied the Chase XXXX XXXX XXXX  credit card in XXXX. XXXX of the card benefit is " Earn XXXX qualifying night credits toward your next tier status for every {$5000.00} you spend on your card. '' And the term of this benefit says " XXXXXXXX XXXX XXXXXXXX XXXX XXXX credits will be credited to the calendar year in which the spend occurred. '' In XX/XX/XXXX, I found I was XXXX qualifying nights away from the next tier of the XXXX member program and I decided to spend {$5000.00} to get the qualifying nights. Then I spent {$5000.00} on XX/XX/XXXX and XX/XX/XXXX to meet the requirement. 

In XX/XX/XXXX, I found that Chase credited my additional qualifying night to XXXX instead of XXXX. I called XXXX to see if there was anything wrong on their side and I was told to contact Chase, as XXXX just adds the nights to the calendar year that Chase tells them. 

I called Chase customer service, and I was told that my case had been escalated and I could expect an email contact in XXXX business days but I got no response from Chase after a month. So I called again. The customer representative told me they need more information and asked me to wait for a physical mail, and follow the instruction on the mail to provide the information required. 

I received the mail and followed the instruction to provide my detailed statements, each line of the spend including amount, date and vendor via secure message on XXXX. The information I provided clearly proved that my purchases were made in the calendar year of XXXX, not XXXX. 

I provided the information to Chase on XX/XX/XXXX, then my funny journey started. Chase took days to respond to my ask, first they asked me to contact XXXX and claimed they did nothing wrong, and I told them I did contact XXXX and nothing XXXX could do. Then all of the following responses from Chase, they just repeat their credit card policy without answering my question, and told me that the qualifying nights were credited to the correct calendar year. They ignored the information I sent, and did not provide any evidence on how they confirm the qualifying nights were credited. 

After XXXX messages from Chase, they said they would not response to me and have the case closed. 

I just had XXXX question to get answer for and Chase never responded my question.
Consumer complaint received 2022-03-30
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-30
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. (MI)

In accordance with the Fair Credit Reporting act 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 2022-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

the account XXXX for XXXX is unknown to me, also the the account XXXX XXXX XXXX is clear violation of 104-91 HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new XXXX XXXX XXXX states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.
Consumer complaint received 2022-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL) (NC)

I believe my HIPPA PHI rights have been violated. I DID NOT AUTHORIZE the sale/maufacture/contract of my personal health with this company. I recently created an account with XXXX. Upon account creation I noticed a collection account ( XXXX ) to the tune of {$1700.00} was on my credit report for medical collections. AR Resources , Inc ( FL ) is the agency reporting this information. Once I recieved the information behind the collection on the XXXX portal ; I began communications with the collection agency via a Debt Validation letter. The letter was mailed certified XX/XX/XXXX. I have received a response from the company XX/XX/XXXX. The contents of their database disclose Reason for service. Not only is that my PHI but the " L10 '' is a complete lie. I was only at the hospital for XXXX pains. I was processed in and back out within the time period of 2 hours. After reading further into their findings they included a document from the Hospital ( XXXX XXXX of XXXX ). I never signed this document, received a copy from the hospital, nor signing this document. I was no incapacitated and was in a conscious state of mind. This document is signed via " Verbal Consent '' " Self '' and initialed " Verbal '' " Verbal. '' Not only was I not aware of this document but it also discloses my personal health information. I DID NOT SIGN/ AUTHORIZE this document. This is a clear violation and my personal health information was included along with extremely erroneous and false information. I need help settling this issue. The false medical reason of service is an extreme DEFEMATION OF CHARACTER. I am current awaiting response from HHS and FTC. Seeking litigation immediately. Please review my complaint as soon as possible. Thank you. THIS IS NOT A DUPLICATE COMPLAINT FTC Report - XXXX HHS HIPPA VIOLATION REPORT- XXXX
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: FIRST NATIONAL BANK OF OMAHA (PA)

On XX/XX/XXXX, I applied for a XXXX XXXX XXXX Credit Card, for which I intended only to use for gasoline purchases at a local XXXX XXXX XXXX. On XX/XX/XXXX, the bank who manages this credit card, First National Bank of Omaha ( FNBO ), sent me a letter saying they couldnt check my credit unless I removed a credit freeze from my credit bureau accounts. I didnt get their letter until XX/XX/XXXX, but I removed the freeze temporarily, from XX/XX/XXXX to XX/XX/XXXX. Once the freeze was removed, FNBO was able to run my credit report. Today, I received a letter from them, in which they now claim that they cant continue with my application unless I provide the following information ( also shown in the attached file ) within 20 days : 1. Copy of my driver license/state ID verifying my mailing address 2. Signed copy of my original social security card 3. Copies of W2s for the past 2 years I called the bank to express my extreme concern that they are asking for this information as I feel its excessive to ask of a consumer who has a XXXX score of XXXX. In addition, when I advised the rep that I am retired and dont have W2s, she said I could send in my tax returns for the past 2 years.

Although I dont understand the need to verify my address since Ive already received 2 letters from them at my address and Ive lived at that address for 11 years, I am willing to provide them with a copy of my drivers license. For the social security card, why do they need this? Theyve already ran a credit report with the social security number I provided on my application. For the W2 request, asking me to provide 2 years of tax returns is overkill. 

Ive had credit card accounts since XXXX and have always excellent payment history, and currently I am only using 4 % of my available credit, as confirmed by my XXXX account. I have NEVER had to provide this level of documentation to any credit card company, but in particular, for this type of credit card, which I intend to use only for gasoline purchases, and don't expect the credit limit to be more that {$500.00}. 

It seems as if this bank wants to deliberately make it difficult for me to obtain their credit card. To reiterate, I have a XXXX score of XXXX. There is no reason for them to ask for these types of additional documentation.
Consumer complaint received 2022-03-15
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (GA)

I sent letters to all 3 credit bureaus including creditors about inquries that is on my credit report that I never applied for and I need them immediately removed from my credit report.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a credit report on XX/XX/2022 that my score had decreased by a few points. On my report, it says that a new account with Capital One was opened on XX/XX/2022. The address in this account is : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Balance : 19 Payment Status : Current I do not recognize this address and I have not opened a new account with Capital One. I do not even live near the state listed on the report.
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WI)

I purchased a handbag online on XXXX on XX/XX/2021. When attempting to contact the seller regarding shipping and delivery information, the seller was immediately unresponsive and no longer a seller on XXXX. I attempted to cancel the purchase, and was unable to. I escalated the issue to Paypal credit because purchases are supposed to be protected through XXXX. I was also given erroneous shipping information via XXXX. I also checked the ring camera, and there is no evidence of delivery. The product never arrived, and I have been disputing this issue for months without a definitive resolution. I have been scammed by the buyer, and both XXXX and Paypal Credit ( Synchrony Bank ), are not responding. I am a customer who has been scammed, and should be protected by Paypal Credit and Synchrony Bank when these types of situations occur. I am current on my payments to Paypal Credit, and they are not protecting me as a loyal customer and consumer. Please help!
Consumer complaint received 2022-03-30
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. (CT)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Equifax states they received this public record information from XXXX which by the way does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ). XXXX submitted a deletion letter XX/XX/XXXX to Equifax, XXXX and XXXX to delete this inaccurate public record. XXXX deleted XX/XX/XXXX and XXXX deleted it XX/XX/XXXX both have removed the tradeline but left the one account associated with it ( XXXX XXXX ). Equifax has refused to delete it. I submitted the letter XXXX mailed to me that they submitted to all XXXX bureaus. They said they would not accepted it. I called XXXX and explained the problem. XXXX stated they would submit an escalation electronically to Equifax to remove the tradeline. Equifax still has not remove it. I asked several times to received the information that the court submitted to them and the information XXXX submitted to them. I have not received any documentation at all. I have submitted the XXXX letter to remove the public record ; the deletion reports from XXXX and XXXX.
Consumer complaint received 2022-03-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

USSA Federal Bank has had a " XXXX at XXXX '' feature for many years that allowed scanning a check and using the scanned image to make deposits to checking and savings accounts. They have discontinued that service and instead have instructed account holders to use their USAA phone App to deposit checks. 

The phone App requires taking a picture of the check and sending the image to USAA. 

The problem is that many of us who are older and handicapped can't hold our phones steady enough to take an image that is clear enough for the deposit to be accepted. 

I made two attempts at resolving this with USAA. The first attempt was with their Web Support area. The person I contacted there agreed that eliminating the XXXX at XXXX feature which allowed using a scanned image was a mistake. She told me that they have received numerous calls from XXXX patients and account holders suffering from XXXX XXXX who can no longer make deposits because they can't achieve the required image quality using their smart phones. 

I next contacted the CEO 's office. The customer service individual there said that USAA was aware of the problem and I should just mail the check, they had no intention of changing their policy. 

Mailing checks is not a satisfactory solution. Unfortunately the U.S, Mail isn't that reliable and the in-transit time for the check is excessive. We, their handicapped customers, should not be denied use of our funds simply because we are handicapped and can't use the smart phone App. 

USAA should recorgnize this is a universal problem and though the number of customers may be small for a company the size of USAA they should not be allowed to discriminate against handicapped individuals by removing services that allow us timely use of our funds.