davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-19
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I might be moving and will need my credit above a certain limit to apply for certain apartments. My credit score with Experian was above, but close, to XXXX of the common minimums rental agents want to see. Several weeks ago, I applied for an apartment and my presumption is that the agent ran my credit. 

A few weeks ago, Experian reduced my credit score by 14 points, dropping me 6 points below that common minimum threshold. Experian is no longer recognizing XXXX of my XXXX credit cards, which comprises 25 % of my available credit but which I don't often use, and this failure on their part may factor into their new score calculation. Notably, XXXX and XXXX both acknowledge that credit card and my scores with those bureaus are higher. Another factor in the calculation is probably my credit usage, which had increased but then paid off a couple weeks later. Of note : a day after that balance was paid, Experian sent me a notification that my credit score had increased, but when I checked, my score was still the same. 

After Experian decreased my credit score, they began sending me marketing emails to sell me a new credit card. Their inducement is that I can raise my credit score by opening a new credit card. Before they decreased my credit score t

hey were not sending me these types of emails with any such frequency. I believe Experian has made an inference about my current need to make use of my credit score, and has manipulated my credit score in order to sell me financial services. I believe Experian is prioritizing my credit score remaining slightly below threshold, as a lever by which to manipulate me, over accurately and timely calculating my true score which would restore my credit to above that threshold commonly used by rental agents.
Consumer complaint received 2023-06-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2023 I sent an affidavit of truth in regards to a billing error for my American Express Account ending in XXXX. ( Attached ). According to the courier ( USPS ) the communication was confirmed delivered on XX/XX/2023. ( Attached ). A response within 7 days of receipt, was not required, if there was no authenticated records in existence. To date, no records have been delivered confirming the existence of an authenticated record of accounting, billing or debt. 
On XX/XX/2023 I received a communication from American Express ( hereafter AMEX ), dated XX/XX/2023. This communication outlined several false statements and actions the company intends to take if I did not " respond '' in time. The communication states, " Since your account ( s ) is past due and we haven't been able to reach you by phone, your account ( s ) will be cancelled if you don't act soon. '' The communication further outlines threats and actions were outlined, which included : " 1. Your account ( s ) may be cancelled. 2. You may lose any rewards you have pending with American Express, if applicable. 3. If your consumer account is reported to credit reporting agencies, your account will be reported as past due if we don't receive the total amount due for two or more consecutive billing periods. 
On XX/XX/2023 A copy of my credit reports ( XXXX report and XXXX Report attached ) show American Express already took fraudulent and unlawful negative action against my account reporting debt delinquency.
Consumer complaint received 2023-06-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America prepaid refuses to return all my money clearly violating there own policy it's my XXXX  and there treating me like a criminal... ..I have filed several claims with these people.. I have been XXXX, homeless, starving and stranded because they don't want to pay.I filed a claim months ago now some of the claims are lapsed and they won't I'm in XXXX Missouri, not Iowa not California ... .The amounts and dates they refuse to pay for are XXXX XX/XX/XXXX Iowa,XXXX  {$600.00} CA,XXXX {$200.00}, {$200.00}, {$77.00} Iowa XX/XX/XXXX {$300.00}, {$300.00} , {$23.00}, XX/XX/XXXX XXXXiowa, XX/XX/XXXX {$200.00}, {$200.00} Iowa, XX/XX/XXXX {$200.00} XXXX XXXXiowa This was just the half they won't pay they gave me {$650.00} like that was gon na make me happy or something.They refused payment twice and I got ta keep filling for it
Consumer complaint received 2023-06-26
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. (GA)

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.
Consumer complaint received 2023-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blitt and Gaines, P.C. (IL)

I was sued by blitt and Gaines for an old discover card bill. Due to me not knowing my rights I didnt properly handle things which led to a judgement and subsequent garnishment. The garnishment completed over {$9000.00} and now they have sent correspondence threatening to garnish AGAIN for the same debt. This notification does not even tell me how much they are trying to take. They are going to court to obtain garnishment on a debt that has already been paid!! This is so unfair I called them and the representative had a very nasty attitude and would not explain to me why they are seeking additional money. The case number on both garnishments is the exact same!! They never provided validation of this debt. They are violating 15 USC 1681 as they never provided proper documentation to validate their right to collect in the first place. Im trying to buy a house and a judgement on my name does not look good. Im distraught, I dont know what to do please help
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

Allegedly on XX/XX/2017 this account was opened according to XXXX. But their is no paper trail at all on my credit report form XXXX everything is blank. On XX/XX/2017 XXXX & XXXX states this account was opened. XXXX has it marked as a charge off and XXXX marks it as paid off. Due to the inconsistencies between the 3 bureaus and incorrect information I'm sincerely asking you guys to please remove this derogatory account off of my credit report. I'm a military veteran that is trying to do major things for me and my family like get a bigger vehicle and purchase a home but this is one of the things that has me pigeonhold. As per the Fair Credit Reporting Act which touches on the the right to address incorrect information on your credit report, please remove this account I ask humbly. Thank you for your time.
Consumer complaint received 2023-05-01
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)

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. 
Account XXXX : XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MN)

Issue with getting a Delta XXXX, American Express credit card. Same issue and answers over a year ago with American Express XXXX card. 
XX/XX/2023, over the telephone ( number supplied by Delta ) I call AmEx to apply for the Delta SkyMiles Reserve Card. First person I talked to check some AmEx system and after a few seconds I was told " declined ''. Reason for decline = because of my previous canceled cards, which were all related to companies which I worked for and then canceled upon my leaving the company = standard business policy. After talking to three people, I was told it was because of my bankruptcy filing approx. 12 years ago. 
Due to the age of the bankruptcy, it no longer is posted on any of the credit bureaus. 
I have an XXXX rating ( +/- XXXX pts. ) by all credit bureaus and have any annual income of approx. XXXX USD. 
My wife was approved and received a Delta AmEx card after filing bankruptcy which was still listed by the credit bureaus and making approx. 25 % of my annual income. 
So why is AmEx declining me? Since my wife got an AmEx card, it much be because I am a male... .... 
If I do not get the requested AmEx card, I may look for an attorney which wants to make a " name for themself '' with a suitsuit against AmEx. 
Please contact me if you have any questions. 
XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, cell : XXXX, email : XXXX XXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I left the agency and I was paid my annual leave. They removed my leave then put it back on and issued me a leave and earnings statement that they charged my leave as taxable wages. The same amount issued to me as taxable wages was reported to the credit bureau as a charge off. It was not a charge off, it was issued to me as income which was reported as wages on my leave and earnings statement and federal/state taxes. I submitted a ticket to the agency The Ticket Number is XXXX. I also have a case file that was open ( case number XXXX ).
Consumer complaint received 2023-05-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2022 I received letters from Bank of America that someone had attempted to cash a fraudulent cheque of {$11000.00} in my account ending in XXXX. Both my accounts were closed as a result- the case was reported to XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX- and I was asked to contact these two organizations for more information. I attempted to reopen a new account at Bank of America and other institutions but failed because of the information these institutions had on file. I needed a bank account to function as I am a XXXX at XXXX and can not even use XXXX  as a result of the identity theft. 

I contacted XXXX XXXX and was asked to procure an identity theft report and a police report before my information could be removed. I did this and submitted the information and after an investigation XXXX XXXX removed my information from their system. 
I contacted XXXX XXXX next and after submitting these two credible reports to XXXX XXXX XXXX I was told a reinvestigation by Bank of America was underway. However, a few weeks later I was told Bank of America would not have XXXX XXXX to remove my information from their system. 

It is very unfair that they are preventing me from opening a bank account anywhere since I am A VICTIM and can not even receive money from my parents in XXXX because of this. This is why I am reaching out and asking that they kindly allow early warning to remove my information so I can get a bank account with another financial institution. I am a XXXXXXXX XXXX XXXX and a bank account is imperative to me being able to function in America.
Consumer complaint received 2023-05-01
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. (GA)

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. 


Account name : XXXX Account Number:1986** Account name : XXXX Account Number:XXXX Account name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 2023-06-19
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. (OH)

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. 

Account name : XXXX XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 2023-05-09
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CRED Technologies dba cred.ai (MO)

This company has the worst customer service. Their customer service is outsourced not in the US. So English is not their first language. The English barrier is a problem. First off I have a refund from XXXX in the amount of {$54.00} this refund was issued over 7 days ago. Cred AI. Has failed to post my refund. This date of purchase was on XX/XX/2023 for {$62.00} XXXX  didnt refund my shipping fee which is why the refund is for {$54.00}. Ive contacted XXXX explained I havent received my refund they informed me it was issued and to contact my bank. Ive provided Cred. AI with documentation to support Im owed this money they havent done absolutely anything!!! Next issue I have a dispute for XXXXXXXX XXXX  and Credit AI again has not done anything
Consumer complaint received 2023-05-01
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 — Problem with personal statement of dispute
Company: Eastern Revenue, Inc. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. The creditor is named EASTERN REVENUE INC.

15 U.S.C 1681 602 A. States I have right to privacy. 15 U.S.C 1681 602 A Section 2 : It a
lso states a consumer reporting agency can not furnish an account without my permission.

I have contacted this EASTERN REVENUE INC to request they remove this from my credit report since 2021. They have not complied. They harass me everyday before XXXX and after XXXX. I want to sue. This account is not accurate and immediately must be removed please.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a method of verification to the credit Bureaus asking them to verify the debt. They have already said that these items were verified correctly. My credit report Are still showing inaccuracies.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnished 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 2023-05-01
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: OneMain Finance Corporation (TX)

Between XXXX and XXXX XXXX XXXX ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.