davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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. (TX)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-07-11
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 have a credit card on my credit report with Experian that doesn't belong to me. I have resolved this issue through communication in XX/XX/2023. But in XXXX of XXXX it showed up again on my credit report and had a huge impact on my credit score. At present, I have communicated with Experian many times and still can't solve it, so please help me with my identity theft. Thanks
Consumer complaint received 2023-09-25
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: Experian Information Solutions 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.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX 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 2023-07-25
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)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/2023 I made an internet purchase of video cameras from XXXX XXXX of {$150.00} using my Chase Debit card through XXXX. I received confirmation of the purchase and confirmation of shipping with tracking. XXXX XXXX mislabeled the package with a non existent address and the package traveled to my local post office. The post office could not make delivery and the XXXX XXXX tracking service notified me of the mislabeled package. I immediately went to my local post office and inquired about the package in hope that the package would be available, however the post office had already sent the package by return mail to XXXX XXXX. I then attempted to contact XXXX XXXX buy phone and by email. I received no email response and I phoned them as well and the phone went straight to voice mail and disconnected. The post office sent me photo evidence of the mislabeled package and I have all documentation of this transaction. I then made a claim with Chase Bank for a reversal of my Debit card payment XXXX XXXX XXXX and Chase gave me a Temporary refund until completion of my claims investigation. On XXXX XXXX XXXX Chase Bank contacted me with a denial of my claim. I had provided all documentation of the transaction and the postal evidence to Chase Bank. I then spoke with Chase bank on the phone and was informed that since XXXX originated the transaction, XXXX must handle the matter. I then contacted XXXX and they informed me that since I made the claim with Chase Bank, XXXX could not help. I am stuck between a rock and a hard place and am requesting your assistance for the return of my funds. Documents are available at any time upon request. Since this incident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
Product: Credit 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. (CO)

I applied for the Aeroplane card because the incentive said XXXX XXXX XXXX XXXX passes. After I was approved, the passes showed up in my account with several other benefits but now they have disappeared. I have spent several days calling customer service and being transferred from person to person. So far, I have talked to XXXX, XXXX, XXXX, XXXX and account supervisors XXXX XXXX XXXX as well as local bank staff XXXX. Each time the person puts me on hold and then I get disconnected or transferred to somebody new and have to explain the entire issue all over again. I have contacted their XXXX XXXX XXXX XXXX NOBODY has helped me.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2021-03-14
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. (MA)

Look at the discrepancies on the way this XXXX account is reporting below. Not only is missing information. XXXX  reporting incomplete, misleading, and with multiple inaccuracies. For the last 4-5 months, I been trying to reach out to them directly to resolve this issue, and they failed to report who this account was transferred when it was charged off. Now its reporting incorrect and wrong balances across all the 3 credit reporting agencies, and how come its reporting different payment statuses on payment history below after the account was closed. Its my understanding that it shouldnt be reported as such. Isnt that a violation? Plus, Ive already went ahead and paid-off this account and they guaranteed that they will notify XXXX to delete this account from my credit report. Its reporting with so many inaccuracies and errors. DELETE NOW, and Im not liable. DELETE DELETE DELETE! SEE ATTACHMENTSSSSS
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and was shocked to learn that ihave been a victim of identity theft.i found numerous accounts on my credit report that were not opened by me.this has been hurting me as i am in the process of purchasing a new home for me and my family, please remove all the fraudulent account from my credit report as soon as possible ......
Consumer complaint received 2023-04-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2023, an email was received through my wife 's email address that a credit card was approved in my name. I called BOA within an hour to report that I had not applied for a card. They put a stop on it and indicated the account was closed and could not be used. I followed up with their fraud department to open a case. They confirmed there were no charges and the account was not usable. I placed an alert on my credit reports. I have also requested a copy of the application that was submitted in my name for further investigation. Case # XXXX.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I recently disputed a XXXX XXXX account that was reporting on all 3 of my credit profiles. I sent in a letter to all 3 Bureaus on XXXX  with a attatched letter from XXXX XXXXXXXX XXXX stating that per their investigation, the account was not min es and would be removed from my credit file. The account was removed from all 3 bureaus, however it is now reporting back on my Equifax account. Per the FCRA i was not notified by the credit bureau that this account was reinserted on my credit file. It has caused my credit score to drop drastically because of their inaccurate and unverifiable information. I am requesting that this account be removed from my Equifax report immediately.
Consumer complaint received 2023-09-25
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. (CA)

I have no negative items on my credit report and paid my only credit card that has a balance down. This dropped my score by XXXX points. I checked my report to see what changes were made to cause this and Transunion message is : " Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX credit card balance decreased by {$1800.00} from {$3200.00} to {$1400.00}. Nice work lowering your balance! Even though you're still using over 30 % of your card 's credit limit, you're on the right track. If possible, keep working toward getting your Credit Card Utilization rate to below 30 %. '' Respectfully, my overall utilization is well below 5 %. Moreover, making on time payments and keep low utilization is supposed to increase your score not bring it down. I called Transunion to complain and they said it was a " system error '' on my credit report that they will fix via maintenance. I've been refreshing my score but it's still at a XXXX. Again, no late payments, no collections, no charge offs, NOTHING DEROGATORY AT ALL ( over 25 accounts in Good Standing ). 

XXXX XXXX my score was XXXX and adding 1 positive account dropped my score XXXX points at that time. This is ridiculous and concerning on so many levels. PLEASE FIX THIS! ***Note : XXXX score XXXX, XXXX XXXX.
Consumer complaint received 2023-07-11
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. (LA)

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 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 2023-11-21
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. (IL)

I

n 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 2023-07-11
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RoundPoint Mortgage Servicing LLC (FL)

Roundpoint mortgage took over as servicer on my mortgage. I sent the payment to the previous mortgage servicer who forwarded it to Roundpoint on time. XXXX dollar increase in escrow was paid once I was made aware. They refused to remove over 30 day late payment when the payment was not late.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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 2023-06-28
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: Experian Information Solutions Inc. (NV)

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of 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. You are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Consumer complaint received 2023-09-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allegiant Capital Recovery LLC (MI)

Allegiant Capital Recovery has called me and has harassed my family members regarding a XXXX XXXX credit card I had. 
I returned their call on XX/XX/2023 and spoke to XXXX ( XXXX XXXX XXXX ). I informed her that she is not to contact my daughters or mother and that she is only allowed to contact me though email. Her response was that is not going to work, it doesnt work that way, and I will continue to contact them. XXXX tone was very rude and very condescending.I informed her that I was filing a complaint and ended the call.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against American Express regarding their refusal to honor the welcome bonus offer associated with the XXXX XXXX credit card. I believe this matter warrants investigation and intervention by your esteemed organization. 

I applied for the XXXX XXXX credit card from American Express on XX/XX/, and the terms and conditions clearly stated that I would be eligible for a welcome bonus of of XXXX XXXX XXXX Points after {$4000.00} spending within the first 3 months. 

Throughout this period, I consistently checked with American Express agents who confirmed the welcome bonus details and provided updates on my spending progress. However, upon completing the requirements, I discovered that American Express had failed to credit the promised welcome bonus points to my account. Despite my attempts to resolve the issue through multiple contacts with their customer service department, the matter remains unresolved. 
( If Amex can provide the full chat history back from XXXX which I failed to fetch via its APP, it can prove more clearly how Amex continuously confirmed my offer and encouraged me to spend more meeting the offer requirement ) I believe that the actions of American Express in this regard are misleading and deceptive, which is a violation of consumer protection regulations. It is my hope that the CFPB can assist me in obtaining a fair resolution to this issue. 

Thank you for your attention to this matter. I look forward to your prompt response and a positive resolution.
Consumer complaint received 2024-11-16
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. (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 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 XXXX 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.