davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I have been entirely unable to use my AMEX gift card at most locations, despite the website saying that I can use it in all places that accept AMEX. I have been unable to use it at my local XXXX grocery store, on XXXX, and all online stores that I have tried to access. Frankly, this is entirely deceptive because I am clearly unable to use it despite me having a sufficient amount of funds on the card. I am in fact, NOT able to use it any place that accepts AMEX. 

I started with {$1000.00} on my card and currently have {$840.00} left, so I have more than enough to purchase small things from XXXX and the grocery store. I have had only three successful transactions on the card that occurred at XXXX, a donut shop, and XXXX. I have reached out to the company and have received absolutely no help whatsoever. I was told several times that I should be able to use the card, despite me making it very clear that I have had multiple declined transactions in very commonplace stores. When attempting to use the card online, I fulfilled all the requirements AMEX noted, making sure that the vendor asked for the CVV, card number, and zip code. However, my card was still declined repeatedly. 

I have attached a screenshot of an attempt to use my card on XXXX, which was apparently declined and instead charged my company card without my approval. This is absolutely unacceptable, as my purchase is in no way related to my line of work and places me in a position of looking like I am misusing company funds.
Consumer complaint received 2024-09-25
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. (NJ)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts and collection in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-23
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2020-01-04
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: CURO Intermediate Holdings (CA)

Hi, I see on my XXXX  credit report an unknown credit inquiry without my approval by a company called Curo XXXX XXXX XXXX also known as speedy cash with the address listed as : XXXX XXXX XXXX XXXX XXXX KS XXXX. 

This inquiry on my XXXX account appears on XXXX XX/XX/2019. I need this to be wiped out from my credit report as Id not authorized for such an inquiry and at the same time necessary fines should be levied on this organization to avoid exploiting and misusing public data.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-11-22
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. (AR)

I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the persistent challenges I am facing in removing fraudulent items from my credit file. Despite multiple attempts to rectify this issue, the fraudulent entries remain, adversely impacting my creditworthiness. 

As outlined in my initial complaint, I reported unauthorized and fraudulent items on my credit file to 3 Credit BureauS. Subsequent to that, I have made additional attempts to dispute and rectify these inaccuracies. However, to my dismay, the fraudulent items persist on my credit file, causing ongoing distress and financial implications. 

I understand the importance of a thorough investigation in cases of fraud, and I appreciate the efforts taken to maintain the integrity of credit reporting. However, the prolonged presence of these fraudulent entries is not only detrimental to my financial standing but also a source of great frustration. 

I kindly request that you escalate this matter and conduct a comprehensive investigation into the fraudulent items on my credit file. I have consistently provided all necessary documentation and information to support my claim, and I believe that the resolution of this matter is long overdue. 

It is my expectation that 3 Credit Bureaus takes immediate and effective action to rectify this situation. I request clear communication regarding the steps being taken to address this issue, and I insist on receiving a specific timeline for the removal of the fraudulent items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I've been in a communication tag with Bank of America for over 4 months. In XXXX, I was the victim of identity fraud, I called BOA immediately. The person on the phone assured me I had nothing to worry about and that nothing would report to the credit agency while I fixed my payment accounts. 

In a response from Bank of America to my complaint, they sent me someone else 's account information as a reply! This is extremely negligent and a slap in the face because I was just a victim of identity fraud. I've attached the letter here.
Consumer complaint received 2022-10-27
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. (MA)

Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX by XXXX on EQUIFAX. These accounts and inquiries are unauthorized and fraudulent and requesting immediate deletion/removal of both inquiries and accounts.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

Doing XXXX data breach, my information was stolen and there still is accounts and inquiers that are not mine. I had called XXXX many time and got no where. 
All so asked them about the date breach lawsuit and the money XXXX owes me.
Consumer complaint received 2023-11-22
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. (AR)

I trust this message finds you well. I am writing to express my deep frustration and dissatisfaction with the ongoing challenges I am facing in removing inaccurate items from my credit file, despite numerous attempts to delete this issue. 

I have diligently reported and disputed inaccuracies on my credit file with 3 Credit Bureaus. Regrettably, despite my persistent efforts, these inaccurate entries persist, negatively affecting my creditworthiness and causing significant stress. 

I have submitted detailed disputes on the following dates. Each time, I provided supporting documentation and clarification to rectify the inaccuracies. However, to my dismay, the deletions have not been implemented, and the inaccuracies continue to tarnish my credit history. 

I understand the importance of accuracy in credit reporting and the need for a thorough investigation. However, the prolonged presence of these inaccuracies is both perplexing and damaging to my financial well-being. 

I urge you to escalate this matter and conduct a comprehensive review of the inaccuracies on my credit file. I have made consistent efforts to provide the necessary information for a thorough investigation, and I believe a prompt resolution is crucial. 

It is my expectation that Credit Bureaus takes immediate and effective action to correct these inaccuracies. I request clear communication regarding the steps being taken to address this issue and insist on receiving a specific timeline for the removal of the inaccurate items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION (TX)

This is a complaint against BBVA USA credit card account XXXX. I contacted BBVA today @ XXXX requesting for the overpayment of {$2400.00} on my credit card account to be credited to my checking account which was also with BBVA. My call was transferred to the fraud department treating me like a criminal. I spoke with XXXX who told me I have to wait for the credit card cycle to end which would be on XX/XX/XXXX and they can release the funds to my checking account. BBVA is illegally holding the funds for two weeks when I did not owe anything on the credit card. I should not have to wait two weeks when it took BBVA a minute to debit my account. I ask for supervisor and I was told a supervisor named XXXX will call me but never did.
Consumer complaint received 2024-09-23
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. (MD)

I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY
Consumer complaint received 2020-01-01
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)

XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX Account Number XXXX {$380.00} XX/XX/2019 XXXX/XXXX   {$100.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} XX/XX/2019 I've now also filed with the attorney general office. 

The above need to be deleted by law in accordance with section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity
Consumer complaint received 2023-11-22
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: EQUIFAX, INC. (NJ)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX Balance : {$4000.00}.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have a Capital One Quicksilver card and Capital One advised years ago that I could be upgraded to another card or that the annual fee would be removed indefinitely. I still have the same credit limit, going on five years and still a {$39.00} annual fee. I always pay on time so there is no reason that card could not be upgraded, or fee removed indefinitely. CapitaXXXX offers credit cards to all types of credits so there is no excuse.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

I contacted Barclays ( XX/XX/XXXX DE ) my credit card company to dispute a phantom charge on or around XX/XX/2022. I was told by Barclays that I must submit dispute in writing. I faxed ( XXXX ) the following statement : " On XX/XX/2022 I was charged incorrectly by XXXX XXXX XXXX ( XXXX RT XXXX XXXX NY ) for sum {$180.00} for repairs while my car was still under warranty. I was told by the Service Rep there would be no charge for the repairs. Upon discovery of this charge I called the service department at XXXX XXXX XXXX twice I an attempt to rectify this matter. I was told twice by XXXX different receptionists that XXXX would call me back. The results of both phone calls on this matter yielded negative results. Hence I want to dispute this charge. '' I received a letter from Barclays dated XX/XX/2022 stating, " unable to assist with disputes involving rebates or warranty work. '' XX/XX/2022 contacted Barclays spoke to XXXX who recommended to send a fax to reopen my case. XXXX further stated she memorialized my phone call comments and concerns in Barclays XXXX. 
on XX/XX/2022 I faxed Barclays another statement, " Looking over my statement I discovered a phantom charge by XXXX XXXX XXXX for sum {$180.00} for the date XX/XX/2022. I called XXXX XXXX XXXX XXXX department twice in an attempt to rectify this matter. I was told twice by XXXX different receptionists that I would receive a callback. To date I never received a callback. Due to this phantom charge void of warranty work or a rebate and XXXX XXXX XXXX being unresponsive I want to reopen this dispute. 
XX/XX/2022 I called Barclays and was told XXXX in the dispute department that my dispute was reopened on XX/XX/2022 and closed on XX/XX/2022 because to much time has passed and this phantom charge can never be disputed again. 
On approximately XX/XX/2022 XXXX XXXX XXXX stated they have no record of any customer being charged {$180.00} for any service performed on XX/XX/2022. 
I thank you in advance for any help and time you put into this matter.
Consumer complaint received 2020-01-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (IL)

Examined my credit profile and noticed this account not sure as to the nature of this but this account named as ENHANCED RECOVERY CO is not mine. 
Amounts totaling : Alleged Debt # {$740.00} ACCT # XXXX
Consumer complaint received 2020-01-04
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. (SC)

XXXX  Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-10-27
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: JPMORGAN CHASE & CO. (GA)

This is to responds to JPMCB claim that they never ran my credit which in fact they did On XX/XX/2022 JPMCB - unlawfully run my XXXX credit report without my permission. I put screenshots. JPMCB is in violation of FCRA for obtaining my credit report without my consent and because of that i am seeking damages.
Consumer complaint received 2022-10-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (LA)

Cosigner ( my father ) died XX/XX/2020, 2 months after I graduated college. Sallie Mae says action will be taken if remaining borrower credit is not at the level the loan would be approved for if I did not use a cosigner. My income and credit is not even remotely close to be what it would need to be to get approved for my student loans. Now, I am left to pay the $ XXXX ( and rising ) for the next 9 years by myself. That is 65 % of my income. I am an engineer that makes the same amount the lender estimated when initially applying for these loans. I bring less money home than I did working in a XXXX, and this will be the case until my loans are paid off. 

The whole point of a cosigner is to provide a good income and credit score for the bank to make a good judgment. That income and credit score died with my father and no action is being taken. I am in a situation as if I got approved for loans that require a much larger income and better credit standing then I'll have for the next 15 years. 

This is criminal.
Consumer complaint received 2024-09-02
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. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.