davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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: JPMORGAN CHASE & CO. (CT)

Chase Credit Card offers Chase Offers on their credit cards as a Cash Back incentive to spend money. You have to tap or click on the promotions which gives you a green check mark on it. You have to use that particular credit card. Then you make a transaction with the retailer offering that promotion. 

I have the Chase XXXX card which contains an annual fee of {$95.00}. I tapped on the XXXX XXXX  and XXXX XXXX Chase Offer promotion before making the transaction. It expires on XX/XX/2022. " See full offer details & terms below '' " Earn 15 % back on your XXXX XXXX stay when you spend {$100.00} or more, with a {$38.00} back maximum ''. On XX/XX/2022, I approved XXXX charging my Chase XXXX XXXX {$240.00} for one night at XXXX XXXX and another night at XXXX XXXX. I should receive {$76.00} cash back. I made the transaction before the promo expired. 

First attempt, they said that I didn't activate the promotion. I did and shared screen shots as proof. Later, they responded saying the back office marketing team doesn't approve this promotion. 

Second attempt on XXXX, I told them that I uploaded valid proof of the issue. Before making this charge of this promotion is confirmed. They said they have no record of this call and only record of another dispute matter. They told me that they can put in another request but doesn't guarantee any outcomes. I spoke with Chase Credit Cards supervisor and can't go any further than that.
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Army and Air Force Exchange Service (DC)

On XX/XX/XXXX, I received an offer from XXXX XXXX XXXX to settle debt of {$9400.00} for {$2000.00}. Prior to accepting the offer, on XXXX/XXXX/XX/XX/XXXX, I spoke to a collections department representative of the Army & Air Force Exchange Services ( original creditor ) who verified the offer but instructed me to contact XXXX. On or about XXXX/XXXX/XX/XX/XXXX, I spoke with XXXX XXXX of XXXX XXXX who also verified the offer of {$2000.00} to settle the account in full. On XXXX/XXXX/XX/XX/XXXX, I withdrew a cashier 's check for the offer amount and certified mailed it along with the XXXX offer letter and a letter requesting notification of closed/settle account ( Please see attachments ). On XX/XX/XXXX and XXXX/XXXX/XX/XX/XXXX, I spoke to XXXX XXXX, and on both calls she indicated that XXXX has posted the payment to the account, and I will receive a closed account letter in 5-7 days. On XX/XX/XXXXXX/XX/XXXXI did not receive the closed account letter that XXXX XXXX stated. But instead, XXXX sent me another offer letter dated similarly to the first offer letter, dated XXXX/XXXX/XX/XX/XXXX, in the amount of {$7600.00}. Both debt letters are dated XX/XX/XXXX. 
I spoke with XXXX XXXX on XX/XX/XXXXXX/XX/XXXXat XXXXXXXX who stated that to disregard the letter and that the closed account notification letter was mailed from XXXX XXXX XXXX/XXXX/XX/XX/XXXX, and that I should receive it soon. On XXXX/XXXX/XX/XX/XXXX, I called to XXXX XXXX again at or abouXXXX XXXXXXXX  and spoke to XXXX XXXX about in error offer letter that I had received on XX/XX/XXXXXXXX for {$7.00}, XXXX. XXXX XXXX verified that I paid the {$2000.00} and that the debt had been settled and the account closed. She also stated that I should receive my closed account letter absolving from the and that it went out on XXXX/XXXX/XX/XX/XXXX. To This very day I have not received the letter promised by XXXX XXXX absolving me from the debt.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc. (AL)

I ask to settle & re open my account to continue my journey building my credit KIKOFF said no KIKOFF look at my account and said they can not re open & to send them a money order or check KIKOFF did not announce me as my legal name KIKOFF put XXXX in the email attached below this is fraud and scam to me Im highly upset Im not sending any money to their address thats in the email I do not trust KIKOFF they do not have a phone number where I can talk to someone directly about this situation statement KIKOFF have no saying that they can or can not open or close account I ask plenty of times
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I recently reviewed my consumer report and to my surprise, i found Equifax, XXXX and XXXX reporting inaccurate information on my consumer report.I have included in this complain documents to prove my point.
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (AL)

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XX/XX/2022 XXXX  I got the results back in the mail. I see that Equifax said that they verified the inquire on my account or it is factual and I demand them to Please send me the procedure used to determine the completeness and accuracy of the Inquiry I listed. 

The other XXXX bureaus already deleted these inquiry from my account. It is only Equifax company that refuses to delete it and I have been worried about the procure or method used to determine that I actually Applied for the hard inquiry. I didn't apply or authorize and I don't remember XXXX
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (MO)

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, XXXX  months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : XXXX XXXX Balance Owed : {$26.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX, I looked at my credit report. I sent a letter to Transunion asking them to reinvestigate these account ; XXXX XXXX XXXX  number XXXX, XXXX acct number XXXX XXXX acct number XXXX, XXXX  acct number XXXX XXXX XXXX acct number XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct number XXXX. 

XXXX the XXXX, I was sent a letter stating that due to my dispute looking like it had been prepared by a XXXX party company, they could not continue with my dispute until I send them verification that it was me that send the letter. 

Im aware that 15 USC 1681, ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681eb they are supposed to ensure this ( 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.

And according to 15 USC 1681s-2 this is suppose to happen ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

TransUnion really didnt reinvestigate they lied on an official document saying they did something they did not do and I have evidence to prove my case
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX  XXXX XXXX Opened Date XX/XX/XXXX Balance {$4600.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$3300.00}, XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, and ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date XX/XX/XXXX Balance {$0.00}, XXXX OF XXXX XXXX Opened Date XX/XX/XXXX Balance {$4600.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$3300.00}, XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, and ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-04
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. (NC)

On XX/XX/2022 I mailed Experian XXXX documents that includes, inaccuracy reporting 's, undeliverable addresses list, and a copy of my identification & utility bill to verify my identity. These documents were sent through certified mail. It is now XX/XX/XXXX I have not receive any updated credit report from Experian. In fact they have not responded at all. It is well over the required 30 days.
Consumer complaint received 2024-01-31
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. (TX)

FCRA vioations not mine not my loan XXXX XXXX SERVICES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX Balance {$14000.00} Balance updated XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$26.00}, XXXX written off. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment {$250.00} as of XX/XX/XXXX Monthly payment was never late XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Child Support Responsibility Individual Date opened XX/XX/XXXX Status Open. {$5.00}, XXXX past due as of XXXX XXXX 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment {$1000.00} as of XX/XX/XXXX Monthly payment {$1100.00} Original balance never lived here 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 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 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 2022-10-04
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. (IL)

I submitted a letter to XXXX and TransUnion on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my priorCOMPLAINT # XXXX and XXXX, and I'm including it again. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-10-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Flexible Finance, Inc. (NJ)

I thought this app would help they promise to split your rent in two payment installments. I told them my rent amount as XXXX on XX/XX/2022. They split it into two payments and one was supposed to come out XX/XX/2022. I checked my account and nothing came out and my rent portal Showed no payment. So later that day I checked again now it said service error. Need to retype the amount so I did. The next day I checked again and still it said scheduled payment. Later that night I checked my bank account and they took out THREE payments of XXXX! My account was negative XXXX dollars! I emailed them asking to cancel and refund my money. Someone responded saying they can not find my account. I provided my name number and email. Then I get a response back they are working on it. At this point its Sunday night and I couldnt contact my bank. Monday morning I checked my account now its over drafted XXXX dollars because my other automatic first of the month payments for light etc had come out. I called my complex still no payment on my account. I email them again to refund me and cancel my account. No response. I call my bank and have to cancel my card and wait for the three payments totaling in XXXX clear before they credit me. Now Im negative XXXX due to a service that was promoted to help. Then I receive an email at XXXX that they tried again to pull money from my account. XXXX hours later at XXXX XXXX  I get an email they paid XXXX dollars for my rent which said my rent was XXXX but still doesnt show. I check the app and now they adjusted my amount to XXXX for the next payment to be drafted! Im going to probably close my bank account because Im so scared they will take more. They will not cancel my account and if they did pay XXXX I can not afford that. Im a single mom now with no money to even buy food or gas and they wont even respond to me and cancel and refund me. This app is robbing people!
Consumer complaint received 2024-01-30
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)

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.