davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST HAWAIIAN, INC. (HI)

In XX/XX/2023 my wife purchased 5 round trip upgraded tickets from XXXX to XXXX for travel on XXXX XXXX. On the XXXX to XXXX leg of the flight, XXXX XXXX XXXX allowed a person of size to board the plane who took a seat next to my wife. The large passenger could not fit in his seat and she notified several flight attendants on board who told her that they were unable to do anything because the flight was completely full. My wife was not able to use her upgraded seat. 

According to XXXX 's website, this person should not have been allowed to board. 

I requested a refund from XXXX. XXXX offered flight credits which would obligate us to travel with XXXX. 

I asked the credit card issuer, First Hawaiian Bank, to assist with a charge dispute since she was not able to use the seat that she purchased. First Hawaiian denied the dispute. I called First Hawaiian Bank 's credit card dispute number and was told there is no appeal process.
Consumer complaint received 2023-04-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

PLEASE INVESTIGATE THE FOLLOWING INFORMATION AND EITHER REMOVE IT OR AT LEAST SEND ME THE INFORMATION THAT YOU USED TO ADD IT TO MY REPORT.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (HI)

On XX/XX/14 XXXX credit karma froze my account for my protection. I submitted all my documents they asked to verify my identity. Its been 2 weeks and they still haven't resolved this issue. They only communicate through email and havent said anything but request for my info .i been struggling to survive with my XXXX  as all our money is frozen.i been trying desperately to fix this immediately. But credit karma have not been replying to my emails .its very difficult to get any information regarding my issue and its unfair and unprofessional. Me and my XXXX  are struggling to survive without access to my account. So i begging you to pls help me unlock my credit karma spending account immediately pls. I cant go another week. Its inhumane. 

XXXX XXXX
Consumer complaint received 2024-05-02
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. (CA)

On XX/XX/XXXX I was contacted by a loan officer from XXXX XXXX who informed me that XXXX had recently bought out XXXX, the company I pay a subscription fee of XXXX XXXX monthly for my vehicle. I was informed that I had the option now of buying out my car and to put my XXXX XXXX monthly payments towards a loan through XXXX that would result in me owning my car at the end of the loan agreement. 
I asked the loan officer directly and clearly what was needed on my part. She said that I already prequalified and that she already started drawing up the loan terms. I expressed that I would only want to do this if the loan terms were less than what I was already paying for the subscription through XXXX  She told me that I needed to open up my credit file on Experian because I had it locked so that she could do a soft pull on my credit which would not reflect on credit report. I agreed to a soft pull. A few days later I received a call where the same loan officer stated that although I have proven that I have been paying {$600.00} dollars a month without a single missed payment she was unable to get me a loan through XXXX. A day or two later I received a notification from Experian saying that a new inquriy was listed on my report and it was from XXXX. When I called the representative back from XXXX she stated that it was a softpull initially but her supervisor had to do a hard pull after we got off the phone. When i expressed my anger with not only getting a loan but also now having a inquiry on my credit file which will prevent me from building my credit and in the future qualifying for a loan or credit card, she apologized but stated there was nothing she can do. 
After looking deeper into the inquires section on my report I noticed that when I was car shopping in XX/XX/XXXX I applied for a loan through XXXX, where I was able to see that during that time XXXX allowed several auto loan companies to run my credit. I was told that XXXX was running my credit not the 15 other auto lenders. I felt completely bamboozled so reached out to Experian to have these removed. They informed me that I had to go through CFPB to have them removed from my report by filing this report.
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

Although I had a XXXX score of XXXX when FNBO checked my credit rating and I provided the previous year 's tax return, and XXXX years ( XXXX & XXXX ) social security award letters, the representative who called me on XXXX said the reason I was denied was that I did not provide the XXXX tax return and also FNBO did not accept Social Security award letters as valid proof of income. At this point, my application was denied finally. 

I applied for the XXXXXXXX XXXX  card on XX/XX/XXXX during a promotional period in which XXXX points were being offered for the timely application and {$2000.00} purchases within 3 months. 

That same day, my XXXX XXXX XXXX was checked and shortly afterward I received a letter asking for the previous XXXX year 's XXXX forms, copies of my driver 's license and social security card. 

In response to this letter, I responded that I was a retiree since XX/XX/XXXX and that I was instead providing the XXXX most recent Social Security Benefit Verification Letters ( XXXX & XXXX ), the front sheet of my XXXX tax return and other XXXX income.
Consumer complaint received 2024-05-02
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 have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This account was never late. The account transferred to a new mortgage company. 
The old mortgage company sold/transferred account. The payments went to the new company and the old company reported XXXX late payments in error. 
The new payment history with new company shows XXXX yrs of on time never late payments. 
the old closed mortgage ( XXXX ) account needs to update the status to CLOSED/NEVER LATE.
Consumer complaint received 2024-05-02
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. (MD)

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 2024-05-02
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. (IL)

I gave XXXX over 20 Promissory notes and they arm harming my credit, trying to collect money off me after they made millions and they are comitting security fraud.
Consumer complaint received 2023-11-02
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-02
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. (NJ)

I recently reviewed again my Experian, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-04-15
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention to be deleted in my file : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-05-02
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. (IL)

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$22000.00} Late Payments : XXXX XXXX XXXX  {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (WY)

American Express opened the High Yield Savings account and Roth IRA accounts immediately. I connected my other personal bank accounts. I made a deposit via a wire transfer. It was successful. I made a deposit via a check from XXXX XXXX. It was successful. The next day, the check was returned. I received no notification as to why. I then tried to make further deposits to my savings account and Roth. Nothing worked. There was no explanation why. The entire time, American Express sent emails asking me to make deposits. At no point did I receive any information of fraud. Yesterday, I called. It has been 3 weeks with no activity or explanation. I got through security and was transferred to the Fraud Team. Someone named XXXX said he would not tell me what was wrong with my account and that I needed to complete an Affidavit of Identity to gain access to my account. I explained that I would rather close the account. I asked them to return all funds to the original accounts and to reimburse me for the fee to issue a new check. He refused. I asked for proof that I was informed about the fraud on the XXXX of XXXX. He told me that he would send me the email. It has been over 24 hours and I still have not received the email. He also said that American Express called and left voicemail messages. He would not say the date. He lied. I spoke to another supervisor who told me I could email XXXX. That email was returned. She lied, too. I was told the only way to communicate in writing was to send a fax. I have sent over 5 faxes with my name and account number over the past two days. Not a single fax has been connected to my account. Apparently, a person decides which faxes will be actioned. They don't use XXXX. I was told a supervisor within Banking Operations would call me today but that has not happened.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

On XX/XX/2023, I sent a dispute letter to Experian via their online portal, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. I took all necessary steps to ensure the accuracy of my dispute by including copies of my photo ID, social security card, and a recent bill displaying my current address. Despite sending a dispute letter with all the required documentation, I did not receive any response from Experian regarding the investigation results. Experian 's failure to respond with the results of the investigation into the disputed items on my credit report violates their obligation and my consumer rights under the Fair Credit Reporting Act. Additionally, Experian 's lack of response leaves me without information about the status of my dispute and prevents me from taking appropriate action to address inaccuracies on my credit report.
Consumer complaint received 2022-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Harris & Harris, Ltd. (TX)

I received a letter from Harris & Harris , Ltd. On XX/XX/22. I called phone number on the letter XXXX they were attempting to ask for my personal information that I did not give but they have my address and name. When I called them and I gave them the Reference number which they said was another person at first, they asked me to repeated the Reference number and it came out my last name. 

The bill shows medical treatment in a hospital from a city and state I have never been in my life and a {$3200.00} balance. 

They said they will send the report to the hospital for them to investigate. 

I asked them for a confirmation number, they said they do not not provide XXXX. 

Phone number on the letter is different from what it shows on the company website. 

I have never received any bill from this hospital in the past and I never been in that state/city.
Consumer complaint received 2024-05-02
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been inaccurately linked to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is imperative to address this issue promptly as it has adversely affected both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Consumer complaint received 2024-05-02
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-02
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. (CT)

Inquiries : XXXX, XXXX, Experian Reports I have attached 2 FTC Reports with all if the listed Inquiries on my credit reports. 
My credit was pulled without my knowledge or authorization on the dates listed
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.