davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2023-11-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LENDING LLC (CA)

Did a refinance with a lakeviewlending company with a guy name XXXX XXXX come to find out he was not licensed in California I lost my car well the backpay on my house Im a veteran its XXXX  % XXXX. He took money from me. He had me wire him money he is out of Michigan. I borrowed money off of people, thinking I was going to be able to pay them back after the finance went through XXXX kept taking money and nothing ever happened and I dont know where the money went because the bills were never paid like he said it was going to be when he was taking the money
Consumer complaint received 2023-12-29
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (IL)

I applied for an Amazon store credit card and was denied ( not approved ). I contacted amazon for the return of my application and was referred to the issuing bank synch bank and they denied me return of both of my applications as they forced me to apply a second time claiming no prior application was submitted. As i spoke to the account manager XXXX # XXXX she had access to both applications, but said i was approved for a secured card. I explained that per Title 15 1611 it was not legal to deny me my own credit and she disagreed stating if i sent money i could access my own credit. I explained that per UCC title 42 sec 408 no lawful money existed and it was unlawful to ask for my ss number and to not return my property since i was receiving no benefit. per title 15 1602 the unauthorized accessing of my credit report with no benefit returned would be returned in adverse action she could only provide me with an address but no email or phone number to discuss this further. I responded that the securitization of this instrument would be responded to in court as I discussed this with the Amazon representatives as well. I believe this is theft and I am disappointed it couldnt be met in a manner that was sufficient to both parties.
Consumer complaint received 2024-08-01
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. (IL)

Dear Experian, I have received your Reinvestigation results. After carefully reviewing them, you failed to completely and accurately verify this account. The Verification is invalid due to inaccuracies. Therefore, in accordance with 15 U.S. Code 1681i, Im requesting a description of the procedure used to determine the accuracy and completeness of the information. 

XXXX XXXX XXXX Account XXXX Report Number : XXXX
Consumer complaint received 2024-09-11
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. (CA)

Experian reports contain incorrect information regarding a credit account I did not open with XXXX XXXX through XXXX XXXX. I opened a dispute which was eventually denied. I contacted XXXX XXXX  directly as instructed by Experian and was told they could do nothing since the account had been closed in 2021. XXXX referred me back to Experian. 

Experian was no help whatsoever. I am concerned with the information being on my credit report as I have learned that my SSN has recently been compromised. 

The report reflects that the account was opened for an individual with the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX Single family I have never lived at that address, nor have I ever visited XXXX Florida . I do not have any friends or relatives in that area so I can only assume that the application was fraudulent and I would like all references to that account removed from my credit history.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( I ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information, that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately EXPERIAN***** Account 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 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 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 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 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

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

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

I demand the late payment reported to be removed/updated.

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-11
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. (NY)

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 
Account : XXXX, Amount {$5600.00}, Acct # XXXX Account : XXXX XXXX, XXXX {$20000.00}, Acct # XXXX Account : XXXX, Amount {$0.00}, Acct # XXXX Account : XXXX, Amount {$18000.00}, Acct # XXXX Account : XXXX, Amount {$1000.00}, Acct # XXXX Account : XXXX, Amount {$30000.00}, Acct # XXXX Heres the list with only the account names and dates, with credit bureau names and other information removed : 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 XXXXXX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX P.A XXXX I have attached a letter with all my information thats needs to be updated on my consumer profile as well as the supporting documentation to show proof of my identity
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I need to address a serious concern regarding my credit scores, which are being negatively affected by inaccuracies in my credit report. These errors are significantly lowering my scores and making it nearly impossible for me to access credit or loans when I need them. This situation is causing me a great deal of stress and hardship, and its impacting my overall well-being.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I opened a Chase Marriott XXXX  card in XXXX, and be advised that for using {$1000.00} dollar for the first three-month purchase, I will be receiving XXXX bonus points. 

On XX/XX/2023 I fulfilled the terms and requirements and EARN the XXXX, posted in my Chase account. But then without my consent, Chase Automatically transferred my point to a UNKNOWN Marriott account " claimed '' to be me ( XXXX XXXX XXXX. In which the whole process I am not aware of nor permitted. Of course, I do not have access to this UNKNOWN account. 

Then on XX/XX/2023. I have contacted Chase to make sure my account is correctly linked to the correct Marriott account. My true Marriott account is XXXX. This process has been " concluded '' so-called finished by CHASE. For XXXX, XXXX, and XXXX, each time I contacted, Chase Agent always had only one response saying " The account is linked correctly, and the points will reflect in my XXXX Marriott account. But each time I checked and contacted Marriott, Marriott did not have my point, they claimed Chase had not transferred any points over. 

Now today, XX/XX/2023. About four to five months later, my Chase account is ZERO, my Marriott account is XXXX. My Earned XXXX points have disappeared on both ends. Both Chase and Marriott refuse to communicate on behalf is customers for their cobrand cards. Chase insists " Transfer completed to Marriott, but refuses to track the points, nor provide and information to customer, keep saying it transfer, nothing can do. '' Refuse to track with Marriott indeed received and post the point to a customer membership account. Failed to deliver reward system within a XXXX card controlled by Chase. 

Contacted Chase again on XX/XX/2023, during the phone call of one of the supervisors at around XXXX in the afternoon. The lady refused to provide additional help, saying she could not do anything because the point was transferred to Marriott. Claiming " What else want me to do for me, there is no other solution. '' After that, She did not care about the customer and just hung up and disconnected. 

For a Chase and Marriott XXXX XXXX, served and operated by Chase. Chase offers XXXX points for using {$1000.00}. After the customer earns the points, when the points disappear and customer can not track and use the point. Chase, the issuer, refused and unprofessionally left the customer out of the solution, which this action is causing me, a customer, serious damage in using the points and future trust with the bank reward system. I sincerely believe Chase 's act is a scam act of causes customers to lose points and earn rewards.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-11-01
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. (CA)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City State Zip : XXXX, CALIFORNIA XXXX Date of Birth : XXXX Last 4 of SSN : XXXX DATE : XX/XX/year> Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau , I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA.

15 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account.

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/2023 I was notified of someone trying take money from my business account using XXXX via Bank of America. 

There were XXXX transactions for {$7400.00} that were sent to a XXXX XXXX at ( XXXX ) XXXX who I was told banks with XXXX without my consent. 

I declined and replied no over and over again. In the process of trying to stop the transactions from happening I received a call and texts from the " fraud department '' that used both the same exact number as Bank of America and their supposedly secure number to send verification texts which is XXXX. I had received secure and legit texts from that same number in the past so I was tricked into believing it was secure. 

Even my XXXX XXXX  XXXX processed the call as legit and not a scam. 

I had several agents at the BOA Fraud department confirm that they're the only ones that can use that number ( XXXX ) to send texts which isn't true. 
Several of them have admitted that scammers have been able to bypass their security measures and I have one of them confirming it on a recording.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (MA)

On XX/XX/23 I received a notification from, what I thought was Paypal, regarding a transaction on my account for a purchase that wasn't mine. 
I contacted the fictious company, and they hacked my phone and was able to get into my Venmo account and PayPal account. 
I reported this to my bank and they were able to stop the transactions for both. 
Venmo dismissed the balance but PayPal wants me to pay the balance. 
Please help. 

Thank you.
Consumer complaint received 2024-08-02
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: Experian Information Solutions Inc. (TX)

I found a number of mistakes on my credit report, and I contacted Experian in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2019-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/2019, I sent {$300.00} to a friend via PayPal. They money was taken from my account on XX/XX/2019, then refunded the same day. PayPay then debited the funds again on XX/XX/2019. Each time my friend and I contact PayPal, we are given a different day to expect the transfer to be completed. They most recently said that the transaction would be complete today ; XX/XX/2019. We contacted them by phone today and they terminated our call. They have said that the money is being held by a " clearing house. '' Today they claim that the federal reserve has it. This is a domestic transfer of funds. I would like for my money to be returned to me ; or sent to my friend as originally requested.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Formal Complaint Regarding Credit Bureaus Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX DATED XX/XX/2024, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.