davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (NJ)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2023-06-02
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. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous despite the multiple previous written requests. The XXXX credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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)

Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. This item is 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. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 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. Here is the list of an item which Is UKNOWN to me : Please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of Fair credit Reporting Act.XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-11-09
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. (FL)

This is my 5th endeavor to tell you 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 an alleged fraud or extortion. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XXXXBalance : {$800.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I've found mistakes on my credit report regarding 15 USC 16c-2. The listed inquiries were not authorized by me, and this incorrect information is negatively impacting my credit. Please remove all unauthorized hard inquiries. Thank you!
Consumer complaint received 2024-11-25
Product: Credit 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: U.S. BANCORP (WV)

XX/XX/year> USBank XXXX XXXXXXXX XXXX XXXXXXXX I was the victim of a hacker into a utility account and was tricked into buying gift cards to pay the utility ( XXXX ) I purchased gift cards at target with 2 different us bank cards, one {$720.00} and another {$360.00} less than XXXX XXXX after purchasing the gift cards and giving the numbers to the supposed XXXX employees, I alerted USBank that I thought I had been scammed. The transactions were still pending. My specific problem with US Bank is that I was assured that I had stopped payment, since the transactions were still pending, and that I had caught the scam in time, by the representative of US Bank at XXXX. I was assured that I would not be liable for the charge, since it was supposedy stopped. My cards were deactivated and reissued. Purchased gift card at XXXX. Talked to US Bank at XXXX. I called again the next day and was again assured that I had stopped payment and caught it in time. I was never told that there was going to be an investigation. I was given the impression that the transaction was cancelled at XXXX on XX/XX/year>. I called the gift card issuer, XXXX XXXX XXXX, the police, XXXX and filed with the FTC the same day. I would have returned to XXXX to further pursue cancelling the gift cards, if I had been aware that the payment had not been stopped by US Bank. They delayed several weeks in sending a letter informing me that they were investigating the fraud claim and could decide against me. By this time it was to late to seek recourse with XXXX. The charge cleared on XX/XX/XXXX.
Consumer complaint received 2023-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I friended XXXX XXXX on XXXX. I now believe that this is a fake profile. We began messaging and a few days later was told about investing in XXXX, that it had a high percentage of return. I started off by wire transferring {$2000.00} from my bank into XXXX. Through messaging this person walked me through how to transfer the money from XXXX to XXXX wallet and purchase XXXX or XXXX, and then deposit that money into a site called XXXX XXXX. I now know that XXXX XXXX is a scam website, at first it originated from openrarit.com and now XXXX XXXX XXXX. At first I was able to withdraw some money from the account. On XX/XX/23 I was offered {$50000.00} by the site to put into my account for 10 days to help make more money and a higher percentage of return. The site messaged me and said the {$50000.00} must be paid back in 10 days or my account would be suspended, that the money could not be taken back from the account. On XX/XX/23 I wire transferred {$52000.00} from my bank branch at Chase with a teller. The site messaged me and let me know they had received the deposit. I then tried to withdraw the money back out and was told that my account exceeded {$80000.00} and that I would need to deposit {$30000.00} to open a vip withdrawal channel to be able to withdraw funds. On XX/XX/23 I wire transferred {$32000.00} from my bank branch at Chase with a teller. I was then messaged from the site and was told in response to the US tax authorities I would need to pay {$22000.00}. This is when I was absolutely sure this was a scam. I have screenshots on my phone of the process of the money being wire transferred to XXXX then to XXXX wallet and then to makersplace pro. I also believe Chase Bank should have questioned me or warned me about doing a wire transfer for such large amounts of money but they never said anything to me. I have made a report of this to Chase Bank, the FTC, the FBI and the XXXX XXXX police office. I still have an open line of communication with the person the scammed me, their profile is still on XXXX
Consumer complaint received 2023-06-02
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. (KS)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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. (AR)

As I investigated my credit report, I found out that there are informations that are erroneous. The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below 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 2023-06-02
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. (OR)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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. (UT)

I've made a complaint to have inaccurate information removed from my credit report XX/XX/XXXX. I've submitted my documentation of proof the Bankruptcy Federal Court documents showing the Federal Court house doesn't share information with any agencies or the credit bureaus, third parties either. As of XX/XX/XXXX I received and email from Experian stating my Bankruptcy information was removed. But Experian decided to leave two inaccurate reports on my credit report which was part of my dispute last month XX/XX/XXXX I made the complaint and stated what accounts needed to be removed. Experian removed three Bankruptcies off my credit report. In my complaint I clearly stated to have the follow removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Record Type XXXX XXXX XXXX petition Reference Number XXXX Experian pick and chooses to remove whatever they want causing harm to my credit worthiness and still fails to provide proof of documentation as Experian claims their information has been verified by the Federal Bankruptcy court house. Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. YOU ARE IN FEDERAL VIOLATION OF MY CONSUMER RIGHTS TO PRIVACY AND YOU ARE DAMAGING MY REPUTATION. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]
Consumer complaint received 2023-06-02
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)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-06-05
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-06-05
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. (MS)

I am a victim of identity theft and ive been reaching out to Equifax, XXXX, and XXXX since XX/XX/2022 and they are still reporting these fraudulent accounts.
Consumer complaint received 2023-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Credit Karma (GA)

Credit KarmaXXXX XXXX sent me multiple emails stating offers to refinance my current auto loan for lower rate. They listed several offers with ALL of my current loan and credit information. Age of vehicle, current lender, current loan balance, how many payments I have already made, vehicle mileage. My credit scores. Everything was already on thier site! All I had to do was select which one I wanted to go with. I did select one that would lower my current rate by approx XXXX %. I filled out the loan questionaire. They sent me " congratulations your loan is approved! '' call us email. They then proceeded to tell me the rate would be much higher than my current rate, but they would be able to lower my payments by refinancing at a longer rate.?? Not interested!! It was a complete " Bait and Switch '' operation. A total waste of time for me. They also did a hard inquiry to my credit reports and my credit rating have dropped XXXX points because of this. My credit score is almost XXXX! Between Credit Karma and XXXX XXXX they had every possible piece of information to make a decision before I even clicked yes I was interested. I also found out that Credit Karma was sued for {$3.00} Million by the FTC for same type of practices.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (NV)

XXXX of XXXX a XXXX credit card was opened in my name using a different address, I notified Experian to dispute and also XXXX fraud department XX/XX/XXXX. XX/XX/XXXX Experian notified me through email stating that the account was complete and accurate to belongs to me. I notified XXXX and the shared with me that they have not completed the investigation it is still pending.
Consumer complaint received 2023-01-30
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: BARCLAYS BANK DELAWARE (NC)

While on a flight on XX/XX/XXXX, I was incented to apply for a credit card with Barclays bank to get XXXX bonus miles the first time I used the card for any amount ( " welcome bonus '' ). Subsequently my application was approved, I received the card in the mail, and activated it without a problem. The first time I attempted to use the card at a local merchant on XX/XX/XXXX - the charge was declined. I tried using the card again the same day at another merchant with the same result. On XX/XX/XXXX I spent 30 minutes with their customer service call center to finally get an answer that my card was not able to be used until I provided 'know your customer ' documents by mail to the bank in spite of already being a Barclays customer with another open credit card. And, the Security department is not open on Sunday so I would have to call back. I requested confirmation in writing of which documents would be acceptable to clear the XXXX and be able to use my card. 

I was traveling internationally during the following week and attempted to use my other Barclays card on XX/XX/XXXX and that charge was declined. I called the Customer Service number again and was told they couldn't help me and I need to call a different number. That resulted in a call to a call center with a 90 minute wait time, directed to their customer service website that has no option for providing any XXXX documentation or list of acceptable documents. 

So now adverse action has been taken on both of my credit card accounts ( no access to my available credit ) without a solution or any documentation on why ( no written direction was received after my XX/XX/XXXX request for how to lift the block on my card ). I also have a specific timeframe to use my card to get the promised XXXX miles in my airline account and no way to use my card to get them. This also feels like a bit of bait and switch, there is no apparent reason for my account to have been flagged for XXXX documents since I'm an existing customer. And the clock is ticking on me being able to get the reward.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Adler Wallach & Associates, Inc. (CA)

Original account XXXX XXXX XXXX Did not disclose Financial Impact notice Did not provide Fiancing agreement. Attempted to collect debt through company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sold the debt account 7 years later to AWA COLLECTIONS who also did not provide Financial impact notice, violated CA Civil Code 1799.91, unlawfully increasing account balance monthly as revolving debt. 

My mother was the signer of bail agreement, the debt was not mine. The bail was posted for me. The signer my mother was not given a Financial impact notice CA law requires bail bonds agencies to provide this documentation as per CC 1799.91 I myself, never signed the financing agreement, or gave my information to obtain credit under my name. The debt collection agency AWA COLLECTIONS is illegally attempting to collect this debt from me. I have hired an attorney to proceed with a civil lawsuit.