davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-10
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. (CA)

In 2015, my son, XXXX XXXX XXXX, asked me to co-sign his lease with XXXX XXXX XXXX, which I did. After this 12 month lease EXPIRED, my son signed a NEW LEASE. He did not ask me to co-sign on this NEW, 12 month lease. As a result of situations which I am not aware of, my son, XXXX XXXX XXXX, moved out and early terminated his lease with this company. If he does owe money for moving out before his 12 month lease was concluded, then that financial obligation is not mine. Now, it appears XXXX XXXX, purchased this/his debt, I did not CO-SIGN as responsible for the debt my son incurred with his 2nd lease with XXXX XXXX. I feel EXPERIAN and XXXX  did not OBTAIN certified or LEGAL documents from XXXX proving I CO-SIGNED for this debt, and continually inform ME, without proper documentation and a competent thorough investigation that the debt is valid. I do not owe XXXX $ XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XXXX XXXX my phone and debit card was used to fraudently cash XXXX money order. Ive been the victim of identity theft and its an ongoing issue and investigation I am working with law enforcement to stop this stuff from happening. But my phone was used to cash XXXX false money order and now my account was debited that money because the bank denied the money order. I didnt have anything to do with any of this but I lost XXXX $ because of it I filed police report Acct number XXXX
Consumer complaint received 2023-07-28
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)

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 items 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 items : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-18
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. (IL)

I am writing to file a formal complaint against XXXX, Experian, and XXXX for their persistent failure to address my disputes regarding unauthorized accounts on my credit report. I believe that their actions are in direct violation of 15 USC 1681e, which mandates that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. 

Despite my repeated attempts to dispute these unauthorized accounts, both XXXX, Experian, and XXXX have neglected to investigate my concerns adequately. They have failed to provide me with a clear explanation of their investigation process for disputed accounts, as required by law. This lack of response and failure to adhere to the law has caused significant distress and financial harm.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-18
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. (IA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-08-18
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: AMERICAN EXPRESS COMPANY (GA)

I called American Express last week ( XX/XX/XXXX ) to request a credit limit increase, and asked if my interest rate could be lowered. The agent on the phone told me to give him a couple of days. This past Wednesday ( XX/XX/XXXX ) I went to book a flight with American Express Travel, the agent got it set up, and then we hung up. Hours later I get this email, and American Express tried to call me ( but I was driving and did not answer ) to let me know that my card was declined. I pulled over and called them back, and kept being tossed around the world. I was on hold for over 20 minutes. Someone finally picked up the phone and told me my card was suspended for three days while they do a credit check. The agent also said, " we sent you an email. '' I get 100 emails a day between personal and work! Why not pick up the phone! At the time I was making the reservation the travel agent did not try to charge my card while I was on the phone, and did not inform me that my card was suspended for three days. This really interfered and impacted my life, because I have a mobility impairment. I was trying to get the best seat so that my XXXX could be secured, and I was going to be safe. I have been a loyal customer for 15 years, and they go and do this to me? These companies do not need to send the work to other countries, because they do not understand some Americans accents, and some do not understand the meaning of customer service.
Consumer complaint received 2023-08-18
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. (FL)

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (CA)

I contacted credit karma several times via telephone and email regarding several unauthorized transactions on my account they claimed that they were investigating and that they would send me and email regarding the disputes for the unauthorized transactions I called back several more times and no email was ever sent and credit karma never investigated any of the unauthorized charges instead they unlawfully removed all evidence of the unauthorized transactions from my statements mind you I have the originals of each unauthorized transaction I reported the unauthorized transactions amount to over {$2000.00} I attempted several times to get my money back from these unauthorized transactions I notified credit karma several times that there was a police report and clear documentation of the fraud and they never investigated or followed up they have done everything in their power to allow the fraud and continue to allow more unauthorized transactions on my account they are costing me thousands of dollars in damages and refusing to report the fraudulent transactions. I called several times in regards to disputes filed on my account that credit karma never filed and never completed even after I was told that they would begin the investigation I contacted credit karma on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I also emailed credit karma in regards to the same ongoing not addressed disputes on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These disputes need to be processed immediately all of them were unauthorized transactions reported several times to credit karma and to date have not been investigated in anyway shape or form in direct violation of my consumer and banking rights. XX/XX/XXXX I spoke with XXXX a supervisor with credit karma who refused to help. Credit karma case number XXXX The unauthorized charges amount to over {$2000.00} + and there is a police report which I attempted several times to provide credit karma. Also credit karma intentionally and illegally doctored my bank statements in attempt to remove evidence of these illegal unauthorized transactions I have the original statements and credit karma intentionally assisted the theft of over {$2000.00} of my assets. 
Instead of actually investigating credit karma has yet again committed fraud by failing to properly investigate and causing financial damages to my account even with several legal items providing proof that they failed to utilize during the investigation. The company has also since illegally hid and removed evidence of the transactions from my account rather than investigate it I have the originals of all of the illegal transactions and have sent them to the company several times now and yet they have still failed to investigate and resolve the me matter let alone provide any evidence as to why they have fraudulently tampered with my account and his legal documents regarding to the fraudulent trans they have chosen to not investigate to date.
Consumer complaint received 2023-08-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2023-08-18
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. (IA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. 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 2023-08-18
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these items immediately : Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-26
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2020-06-10
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: Medical Data Systems, Inc. (AL)

I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed police reports and Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I received an eamil advising me to bring account to a XXXX balance before XXXX on XXXX/XXXX/2923. My husband had received his paycheck around XXXXXXXX XXXX of XXXX which brought our account to a positive {$72.00} ( aprox ) Athe hat time I then transferred the remaininf balance from my checking to my savings. which left me with a XXXX balance.I had logged into my account at XXXXXXXX XXXX on the XXXX of XXXX to make sure it still had said XXXX.Which in fact it was. I decided to check my account at XXXX in the morning because of past history with XXXX. i discovered I was charged a XXXX overdraft fee. I called and discussed my account and was advised that there was nothing they could do. That becaused I had a pending XXXX charge. My account was still in the negative. Now I have been told the " pending '' charges are in space some where til they say processed. They kept changing their stories why I was charged the XXXX overdraft fee. I was told it was because I had this pending charge, then I was told becasue I had a XXXX something in m account. i kept explaining to them according to the onlune bank app it showed I had a XXXX balance. I asked them if I had a negative balance Why would it let me transfer the XXXX and change from my checking to my savings. Iget an answer we'll it is the bankjs discrestion. I adv them NO it will never let transfer from a negative checking to my savings. Then when I was transferred to their legal dept because I adv them I was filing this complaint. He told me my husbands check was processed at XXXX. I asked him if so then why did it not show up in my onlune banking for XXXX hours later. He then asked me did I have screen shots of what I was saying. Now come on I take screen shot of everytime I log on to my online banking. I asked the gentlemen if you expect us to abid by your rules and regulation shouldn't your o=app and your records say the same thing at the same time. No answer. 
My husband and I left and made a stop to get somemoney out of our saving and his card didn't work. Just worked a couple days ago. 
Called the bank and they advised their was some suspious activity on his account. They blocked us from our online account. 
When we asked what suspious activity they adv someone tried signing in using my husbands log info. Now mind you my name is on the account. I have my own log in. Made me go thru all sorts of hoops to get my account back up to including telling me my wife is not allowed to have my log in information and if he did share that with me they will close our account. 
I think they purpsoely did something to our account to " punish '' us for raising a stink about the XXXX. This is the same bank who flagged our account for a XXXX gas purchase, but let a $ XXXX transaction go through for XXXX XXXX the online betting site. Then take a 14 business days to refund our money. They can not keep doing this to people. This exact same situtaion happened befor and I was told '' oops the computer made an error.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I'm unsatisfied with your assertions and am disputing them due to the absence of any substantial evidence to substantiate your position... I urge you to contest this account! Otherwise, I will pursue legal action against you. Let 's be crystal clear here : I am a victim of identity theft, and it's a gut-wrenching situation that nobody should have to go through. But instead of finding help and support from your bureau, I've encountered indifference and disrespect. I demand immediate attention to my identity theft disputes. It's beyond infuriating that your bureau has chosen to disregard the distress and financial harm I've suffered. I'm not going to tolerate this injustice any longer. This account is a result of ID-Theft and I expect you to remove this immediately : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Please remove this account immediately.
Consumer complaint received 2023-08-18
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. (MO)

I am formally request for the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit profile and are still appeared. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent inaccurate address and inquiry that are needs to be remove : XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX date of inquiry XX/XX/XXXX.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KS)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX