davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
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: Experian Information Solutions Inc. (IL)

I am writing to formally dispute several unauthorized hard inquiries on my credit report. These inquiries are not recognized by me and are the result of identity theft. Despite my efforts to resolve this matter directly with the credit bureaus, they have not taken the necessary steps to remove these inquiries, even after my repeated requests. 

I am attaching an Identity Theft Report as evidence that these inquiries are fraudulent and do not belong to me. I have already requested that the credit bureaus remove these inaccurate inquiries from my report, yet they have failed to act in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you assist in the immediate removal of these hard inquiries from my credit report, as they are damaging my credit score and were not authorized by me. 

Please find attached the Identity Theft Report for your reference. I trust that you will help resolve this matter swiftly, as I am committed to restoring the accuracy of my credit history. 

Thank you for your attention to this important matter. I look forward to your prompt response.
Consumer complaint received 2022-11-08
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: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/XXXX, I booked a refundable flight using my American Express credit card via the American Express Travel dashboard on their website the next day I called for a refund ( inline with policy noted on original receipt ) the agent was unable to help me due to the airline not being open during these hours. Over the course of 4 months they have changed their travel policy ( attached ). 

In XX/XX/XXXX, they granted an airline credit ( previously policy would dictate that it is an American Express Travel credit ). In XX/XX/XXXX I requested that this be change to a full refund or American Express Travel credit. They rebooked the flight without my permission and removed the provided travel credit. 

XX/XX/XXXX - Booked flight via American Express Travel website using American Express Platinum Card XX/XX/XXXX - Called American Express to cancel flight ( listed as option on receipt ) they were unable to cancel flight as it was not during the airlines business hours. ( Air XXXX XXXX ) XX/XX/XXXX - Opened request online to cancel flight for refund or travel credit - they were unable to locate reservation XX/XX/XXXX - American Express provided Airline Credit for trip XX/XX/XXXX - American Express would denied airline credit or refund for trip that they had already cancelled and provided an airline credit for.
Consumer complaint received 2022-11-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Transunion refuses to honor and investigate my requests. Instead, Transunion claims that a third party has created and sent the investigation request ( s ) on my behalf. ( see samples attached ) It is known to the public that Transunion has been sending out genetic letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information they provided.

Such action is illegal, as each dispute and challenge must be addressed individually and on its own merits. The letters I sent were created using software available to everyone. ( opensource ) Transunion is violating 15 U.S. Code 5 1681i, which states they must process consumer letters on time based on the assumption that help from a third party may be available. It should not be a legal exception. I authorize any letters they've received with my name on them.

Either my advisors or I wrote them with my full knowledge and consent. I know that no law says I need to provide a Power of Attorney to delay processing letters from a consumer. 

TRANSUNION, PLEASE QUIT DELAYING MY INVESTIGATION REQUESTS IN ACCORDANCE WITH THE LAW
Consumer complaint received 2022-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon checking my credit with Transunion. I found that there are inquiries that are still on my credit report that are not removed that does not belong to me. If you look at my identity theft report it shows the inquiries that were not authorized by me on the Federal Trade Commission Identity Theft Report. Ive also reached out to to your bureau several times in regards to the unauthorized inquiries. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file a identity theft report with the FTC. How many times do I have to keep letting you guys know this. Please take the time and look at the identity theft report and you will see that In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX via 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. PLEASE REMOVE THESE INQUIRIES FROM YOUR BUREAU AS THESE WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2018-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Premier Portfolio Group (TX)

I have received several calls from Premier Portfolio Group. They would not leave a message - just continually calling. On Thursday, XX/XX/18, I received a call from them and they left the following message, " Hello, we are giving you a call regarding a bad check that was placed with our office attached to your name and account number. We need you to contact us immediately to rectify this time sensitive matter. Our office number is XXXX. '' When I was finally able to contact them. I informed them that I have not written a check in about 5 years and am current on all of my bills so they needed to quit harassing me. The person on the other line began to talk all over me and told me that they were not harassing me. She then asked me if I knew someone - she gave me a name - someone whose last name was also XXXX. I called back and the second time got a man. I told him the same thing and again, he talked all over me and would not listen and he too asked to talk to someone ( not me ) whose last name was also XXXX. I hung up and called a third time. The female on the other end this time did seem to be listening. I told her that I had searched the company name and saw many complaints where they said the same thing, that they had received a bad check. I am on the " National Do Not Call List. '' They just kept asking me for someone - it was not my husband 's name and it was not my son 's name ( my son has a different last name than I ). The female told me that they would not call me again but that yet remains to be seen and their tactics are outrageous. I think they were harassing me simply because I had the same last name as someone that they were trying to collect from.
Consumer complaint received 2022-11-07
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. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-07
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. (MO)

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 15 USC 1681. 
XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX Bankruptcy # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C.1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 ssection 604 A Section 2 ; it. Also states a consumer reporting agency can not furnish a account without written instructions. 

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 2022-11-06
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. (OH)

I received a statement of account for XXXX XXXX XXXXXXXX XXXX from XXXX XXXX. 
I dispute this debt and all claims contract according to 15 USC1692g. Validation of a debt. Also the account has been closed. I rebuttal the XXXX XXXX account because I do not owe this credit card statement and this is a true bill of commerce. Also XXXX XXXX has double dipped for least 3 years. Therefore I am requesting a Rescission under 15 USC 1635b : Return of money or property following rescission. Under the Truth of Lending Act, it is against the law to denial me of my own credit, charge interest on my credit and close my account. Thank You
Consumer complaint received 2022-11-07
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. (NC)

I'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has come to my attention that XXXX XXXX XXXX is fraudulenty claiming a debt in the amount of {$510.00} on XX/XX/year> and XXXX XXXX XXXX XXXX on XX/XX/year> is fraudulenty claiming a debt in the amount of {$1100.00} has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

violation of 15 USC 1681 ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

15 U.S.C. 1691 ( e ) ( a ) Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class. 

15 U.S. Code 1692c - Communication in connection with debt collection. 

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Most of the time I pay off the whole amount each month. This summer I paid off only a portion, and - of course - expected some interest charge on the remaining balance. When I got the next two statements I was shocked to see that, even when my balance was negative ( i.e. paid off current amount due and had a credit for a returned item ) I was still charged interest. 

When I complained to to Capital was One I was told that this is their " policy '' - that whenever an amount is outstanding - the company charges interest for two consecutive months. My question is - on what? Why is such an abusive policy allowed here? 

I was informed that this is how it always has been that way - amazingly enough, it is true. I reviewed past statements and discovered that I do occasionally pay interest - on NO BALANCE due. ( statements attached ) This abusive " policy '' needs to be challenged. No other of my credit card companies employs such an abusive practice. " Banking re-imagined '' indeed! Thank you for your help in this matter. " XXXX XXXX
Consumer complaint received 2022-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I am a member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am usually not afforded the ability to view a location prior to moving there, meet with landlords personally, or tour homes. Because of this, often times we have to view properties online through applications like XXXX. 

On XX/XX/22, I found a home on XXXX for rent. I completed the application for the property that was said to be for rent by the owner. I confirmed the name of the owner listed on the site, matched the owner in the XXXX XXXXXXXX parcel record. 

On XX/XX/22, I received an email and call from the owner letting me know that I had been selected for the property and if I wanted it, the next step would be to sign the lease and submit the deposit of {$1200.00} and the first months rent of {$1200.00}. The owner used XXXX, which I have used in the past and assumed it was a reliable service. 

On XX/XX/22, I sent the first transaction to the " landlord '' via XXXX attached to my USAA app. USAA adds a transaction limit of {$1000.00} per 24 hour period, so I would have to make these payment in XXXX transactions. On XX/XX/22 I sent the next {$1000.00} and on XX/XX/22, I sent the final transaction of {$400.00}. Totally in {$2400.00}. My landlord said he only got 1/3 payments even though I received receipts from USAA. When I called USAA, they confirmed the money had left my account. The landlord sent me a screenshot of his XXXX transactions from his XXXX  XXXX XXXX account, showing only one transaction. After a week, I asked the landlord if we could have a conference call with him and his bank, XXXX XXXX XXXXXXXX, so that I could hear directly from them that they had not received funds. At that point, he stopped answering my emails, texts, and phone calls. When I attempted to call him XX/XX/22, his phone was disconnected. It's evident I have been scammed. 

That night, I called my XXXX  to dispute the 3 charges. I received notification from them on XX/XX/22 that they were not returning the funds/the recipient 's bank would be responsible for this and were also not returning the funds. Essentially they were blaming me for the scam, which is extremely disheartening. I called XXXX and XXXX XXXX XXXX, they also were unwilling to do anything. Now I'm out {$2400.00} which is a significant amount of moving, especially before a move and the holidays. I'm extremely disappointed in USAA and really am considering taking my business elsewhere.
Consumer complaint received 2022-11-06
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. (NV)

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 15 U.S.C 1681. 

Account Name- 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  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 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 the 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 2022-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NC)

I was unable to access my Citibank savings account for several days due to an expired debit card ( XX/XX/2022 through XX/XX/2022 ). But I had never received a debit card from Citibank in the first place and didn't know I was supposed to have one. I had to request a new debit card be mailed and get the associated card numbers before I could log into my account. Then, I was unable to complete a wire transfer and still am unable to complete it. I am trying to transfer {$50000.00} to my lawyer in order to purchase a house. I continuously get an error on the website : " For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code MFA. '' I called customer service and spoke to four different people, none of whom have been able to help me. They said the only thing I could do was wait until their system refreshes and the security flag is cleared. I have been waiting and trying hourly but am still getting the same error and can not access my funds.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

The years XXXX, or XXXX my things were stolen from a house I room mated with a friend. Her name is XXXX. I had a application filled out with the XXXXXXXX XXXX XXXX XXXX XXXXXXXX license that was taken during the time my things had disappeared. I believe thats how my identity was stolen. I had past addresses, history of work, along with all my personal information on that application. She met a man named XXXX, they are now married, he started having things showing up on his credit, and thru the XXXX XXXX. We gradually put it together and now come around present. I think my credit had already been being monitored by someone with the phone calls, and things I would see on XXXX XXXX. XXXX, XXXX  I purchased a XXXX XXXX. Then I really started seeing activity on XXXX XXXX Around XX/XX/2022 thru XX/XX/2022. XX/XX/2022 I purchased XXXX thinking I would feel a little relief. I did momentarily. I disputed a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx. XXXX, XXXX XXXX, credit cards, late payments with no relief. I cant access Experian to freeeze it. XXXX XXXX XXXX XXXX. We believe the suspect to be XXXX XXXX XXXX. The XXXX XXXX XXXX department is now working on it, along with XXXX XXXX XXXX XXXX Ive been a victim of identity theft and Im looking for relief. Thanks
Consumer complaint received 2022-11-08
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. (NJ)

I've called several times to update my birthday with no ability to reach a representative who can help me. I've used the automated system several times and it never prevents me with the options I need. When I ask to speak with someone, the system tells me NO and hangs up.
Consumer complaint received 2022-11-06
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. (PA)

As a Consumer that is protect by the Laws of the FDCPA and FCRA Ive notice several Violations on my Consumer report that I would like removed. Violation consists of Right to Privacy, Permissible Purpose and Identity Theft.