davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and associated details are not reported on my consumer report, as their inclusion violates both the FDCPA and FCRA. I insist that you take immediate action to delete and remove these accounts and information from my consumer report, as their presence constitutes a violation of multiple laws. Please proceed with the removal of these accounts and information without delay.
Consumer complaint received 2023-09-12
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. (MO)

My past complaint XXXX I stated that my XXXX report said the only months I missed part of a payment was XX/XX/2022 and XX/XX/2022 but had missed payments on XX/XX/2022 and XX/XX/2022. However, my credit report was not fixed it stated that an investigation was completed but this mistake remains. if the only months I had a remaining balance was XXXX and XXXX, why do I have XXXX late payments in XXXX and XXXX. my past complaint was not properly investigated by XXXX XXXX.
Consumer complaint received 2023-05-24
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$370.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX, XXXX XXXX {$89.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$250.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

DPT EDXXXX XXXX Balance Owed : {$10000.00} ; DPT ED/XXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$6300.00} ; DPT ED/XXXX 90882525601E0022008**** Balance Owed : {$2000.00} ; DPT EDXXXX 90882525601E0012008**** Balance Owed : {$3000.00} ; DPT ED/XXXX 90882525601E0012008**** Balance Owed : {$3000.00} ; DPT ED/XXXX 90882525601E0032009**** Balance Owed : {$1800.00} ; DPT ED/XXXX 90882525601E0062010**** Balance Owed : {$3500.00} ; DPT EDXXXX 90882525601E0052010**** Balance Owed : {$6800.00} ; DPT EDXXXX 90882525601E0092011**** Balance Owed : {$4900.00} ; DPT ED/XXXX 90882525601E0102011**** Balance Owed : {$3200.00} ; DPT ED/XXXX 90882525601E0122013**** Balance Owed : {$21000.00} ; DPT ED/XXXX 90882525601E0082009**** Balance Owed : {$4000.00} ; DPT ED/XXXX 90882525601E0072009**** Balance Owed : {$7000.00}.
Consumer complaint received 2023-05-24
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. (MO)

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX  XXXX Balance : {$760.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have multiple fraudulent accounts that were not opened by me, that I did not participate in, and were opened fraudulently by someone I knew. I have filed a police report and FTC identity theft report and provided this information in letters delivered via mail to each of the offending companies. All parties involved have received my FTC Identity Theft Report as well as police reports. XXXX, XXXX, Equifax, XXXX XXXX, and XXXX have all denied my requests to block this fraudulent information saying they verified it. This is a lie on their part. They did not verify the accounts or their balances belong to me. A tenant who rented at one of my residences stole my identity and opened accounts in my name after stealing my computer. While the offender is currently deceased due to a drug overdose I am left to fix the debt myself with apparently XXXX help from these companies. I am accusing the companies of negligent FCRA violations in their handling of this investigation. The accounts in question are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been a loyal customer with XXXX XXXX for years. 

Upon reviewing my Transunion, XXXX, and XXXX credit reports, I observed a missed monthly payment in XX/XX/2022 is listed as a missed payment. 

In XX/XX/2022, I was out of work due to having a medical procedure. I was home recovering which led to financial hardship during this time. Ive had great experience with XXXX XXXX and my goal is to maintain the relationship weve built over the past few years. 

My account history indicates that the past due balance was paid as well as the resulting late fee approximately 15 days later. Further, I have since made timely monthly payments and my account remains in good standing. I realized I made a mistake in falling behind 31 days.
Consumer complaint received 2023-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (CT)

I got into a car accident and had to get a car but I have stage XXXX XXXX and was XXXX XXXX XXXX XXXX. My credit score was poor but I had {$3000.00} to put down. They got me a loan through credit acceptance and I really needed a car but now I see how high the interest rates are and they didnt do my automatic payment once and I called and they charged me a fee for their mistake.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove all fraud alerts and extended fraud alerts from my credit TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Respected sir/madam, I have a checking account XXXX in Bank of America XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX decade. 
As such I had applied for new credit card with XXXX interest rate for a fixed time so that I could payoff my other high interest bearing credit cards. 
After I got the credit card the credit card department with the help of fraud prevention have blocked the card and it was because they expected wrong use of my credit card because of some " phishing ''. 
So I was asked to visit the branch with my ID and clear the hold in my credit card.I went to the XXXX the branch relationship XXXX XXXX XXXX XXXX XXXX branch, XXXX, XXXX  XXXX. 
She connected me with the fraud department official and after reviewing my documents with the branch staff, the fraud prevention official cleared the hold on my card. 
After that I called the customer care and initiated the balance transfer that I planned. After a few days I got a message that my balance transfer has not been processed. As such I called the XXXX XXXX XXXX and enquired about my transaction which was declined. 
As I good account holder of the bank, I was given the credit card ( ending with XXXX ) but this strange card blocking shocked me and further the XXXX XXXX XXXX is asking me to go to the branch again with my ID and redo the same meeting all over again. 
I explained that I was having some health issues as I am now a senior citizen ( XXXX ) and XXXX unable to freely go to the branch, but the official did not seem to understand if she wanted to really help a new credit card customer. 
I am sure this repeated meetings to clear the same issue is not secure for me. 
Please check this matter as to why I have to repeat any action for the same issue XXXX even commented that if this issue kept recurring I will have to relocate to live inside the branch itself. 
Please help! 
I am feeling helpless and trying to reach out for more and more help I can submit more details if needed. 
Thanking you, yours faithfully, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I was trying to understand what fees I would pay with my AmEx Blue Preferred Cash Back card if I used their new Plan It feature. I contacted them via their support messaging feature on their XXXX App, asking how much in fees I would pay if I used their Plan It feature for a {$390.00} purchase. I was told there was no way to know how much I would pay in fees if I used the feature until after I made the purchase. I asked what mathematical formula and criteria they used to decide how much a cardholder would pay in fees if they used the Plan It feature. I was given a vague description with only some of the criteria listed, including " creditworthiness, the purchase amount, and ( my ) Account history. '' They also said the " System check ( s ) real-time balance at that date, account history, charge selected for plan and offers the duration. '' I then proceeded to ask again for the mathematical breakdown of how they decide what my fees should be using the new feature and was told to call their XXXX. 

I called the number and spoke with two different representatives. The second one talked me through downloading the service agreement associated with the card. The service agreement does not cover the entirety of the criteria, and how it is used to decide what fees are associated with a purchase if the cardholder was to use their Plan It feature. The second associate that guided me through downloading the service agreement told me multiple times that the document did say the exact criteria and mathematical formula they use to assign Plan It fees. At one point, I had to start reading the service agreement out loud so she could understand the difference between what I was asking for and what the document described. Afterward, she put me on hold for a while and came back saying that I could make a formal request by sending a letter to their XXXX XXXX in Texas. Multiple times, I asked for an email contact and was told she could only give me the XXXX XXXX XXXX She was lovely and very apologetic about the situation, but she was not going to point me in the direction of someone who could answer this question about fees. 

I've included my card 's service agreement. I can also send over a screen recording of my conversation with their support staff via their XXXX App.
Consumer complaint received 2024-10-23
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. (FL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I had put a credit freeze with the 3 companies approximately 2 months before.. I had trouble with one of the three doing this all by phone.. My mortgage Company wanted to do a credit check so I attempted to un freeze reports.. XXXX XXXX I was able to complete and unfreeze XXXX XXXX. Called Experian to get XXXX XXXX XXXX freeze lifted. Their FULLY AUTOMATED SYSTEM WITH NO HUMAN OPTION. I inadvertently put a freeze on my credit report.. The computer said they were sending me a pin in the mail ... This is the opposite of what I wanted to do .... I frantically started calling numbers I found online.. I contacted one lady.. After talking fo a few minutes her computer froze.. Nothing accomplished. Called back to the phone system from Hell. Finally got a HUMAN.. Explained the situation and she asked me for the pin that the computer said was snail mailed 3 hours before.. Obviously SHE WASN'T LISTENING.. As it stands 2 credit reports unlocked and 3 Skrewed Because of their lack of help customer service and communication.. This is a Mortgage Issue and time is of the essence... They don't care...
Consumer complaint received 2023-05-24
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. (SC)

My name is 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 2023-05-24
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. (NC)

All three credit reporting bureaus were notified accompanied by legal documentation that my legal name is " XXXX '' but they are reporting my married name. I can not and have not used " XXXX, '' since being legally divorced in XXXX. I have resumed the use of my maiden name, in the court of law. I can not legally use " XXXX '' and do not have any documentation with that name attached. Neither should these reports. Its been 23 years since I used " XXXX '' and my ex husband is now deceased too. My legal name is " XXXX. '' I have asked all three reporting agencies to remove XXXX but they refuse to. Instead, they add it along with 20 different phone numbers that are not relevant. I do not have access to these phone numbers, 10 or addresses I do not have access too either. This must stop at once because, when asked, I can not verify my identity due to all these different address and phone numbers and name that's not legally mine. After 2 written letters to dispute this incorrect information, I feel harassed at this point. This is the 2nd notice I've sent requesting that my personal information be corrected. I am trying to purchase a home soon and 10 or more phone numbers and addresses makes me look like a fugitive and unstable. When my husband was living, we did move quite often because he was in the military ( XXXX ). But again, that was over 25 years ago. I sent a copy of my federal ID and social security number. Along with supporting documentation as proof of my resident and phone number and legal name.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

In the previous CFPB complaints : XXXX, XXXX & XXXX XXXX. American Express failed to address the question WHY I only can redeem the points to gift card not other ways. What part in Term and Condition states such limitation? the escalation and concern I want to bring through this request is that i don't agree with American Express 's policy that I can ONLY redeem the points to gift card. I should have the ability to redeem the points with other options ( for example transfer the point to partner airline ). I want to raise this issue, as there is nowhere in the Term and Condition mentioning the limitation of only being able to redeem via gift card. Hence, the American Express 's policy is unjustifiable.