davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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. (FL)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-15
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 hope this message finds you well. I am writing to express my deep disappointment and frustration with the ongoing issue regarding the correction of a late open account on my record, despite my fifth attempt to rectify the situation. Despite providing thorough documentation and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. I implore you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entry on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

i have applied for2 apartments and they areshowing i have a eviction. i have submitted to 3 credit reporting companies the paperwork from XXXX county court that the eviction was dismissed without prejudice but it is still showing up and automatically declining me. 
XXXX $ ea application is expensive can you help
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Thank you for your efforts in removing some of the erroneous entries from my credit file, but there are still items remaining that need to be addressed. This letter serves as another notification of my ongoing issues with incorrect credit reporting. I am disputing these items because they do not correspond to any transactions for goods, services, or financial dealings that I have conducted or authorized. I request the removal of any entries in my credit file that stem from these inaccurate reports : XXXX : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$5700.00} ======EQUIFAX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year> XXXX : XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00}. These items are unfamiliar to me. Furthermore, the information you have on these items has been removed by other credit bureaus, raising concerns about their accuracy. The payment history of these accounts is also unclear to me, as mandated by FCRA 605B ( c ) ( 1 ) ( C ) regarding the authority to decline or rescind.
Consumer complaint received 2024-05-15
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & creating unwanted XXXX XXXX XXXX XXXX XXXX. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-15
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$59.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-15
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. (TX)

I am writing to express my profound concern and disappointment regarding the handling of this attempt to remove fraudulent items. Despite previous efforts to rectify this issue, I am troubled by the persistent presence of fraudulent items. These recurring problems not only undermine the credibility of the process but also raise serious concerns about the effectiveness of the measures in place to prevent such occurrences. 

In conclusion, I trust that you will give due consideration to this matter and take decisive action to rectify the shortcomings observed during this attempt to remove fraudulent items. Failure to address these issues promptly compromises the integrity of the process and undermines the trust. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
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: NCB Management Services Inc. (OH)

In accordance with the Fair Credit Reporting Act NCB Management Acct # XXXX has violated my rights.

15 USC 1681 section 602A. states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states a consumer can reporting agency can not furnish an account without my written instructions This account is also reporting inaccurately on a number of data points.

The account is reported as open which is illegal and inaccurate.as it is not an active account and is a collection.

The account is also reporting as a charge-off but is allegedly a collection which is illegal and inaccurate. 

The account is also reporting ok payment history on XX/XX/XXXX then shows as a charge off as of XX/XX/XXXX which is illegal and inaccurate. 

I have also attached a letter. XXXX has deleted this from my credit report due to the multiple inaccuracies and illegal reporting and I expect XXXX and XXXX to follow the law as well.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-04
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. (IL)

Ive Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (FL)

In my fourth and final attempt to rectify the inaccuracies in my consumer report, I emphasize the critical role Consumer Reporting Agencies play in fair credit assessment. Without my explicit consent, disclosure of my information violates 15 U.S. Code 1681b ( 2 ), leading to identity theft allegations under 15 U.S. Code 1681c-2. Moreover, the accounts in question are unrelated to my transactions, and Opt-Out disclosures were not fully disclosed, as required by law ( 15 U.S. Code 6802 ). If not resolved, legal action will be pursued under 15 U.S. Code 1681n for willful noncompliance, demanding prompt rectification within legal bounds.

Here are the following list of inaccurate items on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-08-26
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: GOLDMAN SACHS BANK USA (NY)

In XXXX of XXXX I placed an order to XXXX XXXX XXXX  for a total of {$200.00}. The sender states the merchandise was delivered but I did not receive it. I filed a police report for stolen property. I contacted XXXX and was informed that they will not re-ship or refund the money paid and to contact my credit card company. I contacted apple credit card known as Goldman Sachs Bank USA on XX/XX/XXXX, and a temporary credit was applied to my account pending investigation. On XXXX XXXXXX/XX/XXXX, I see the charge was reversed and I was being charged the {$200.00}. I contacted apple again and requested to speak to a manager. I was then informed a police report was not sufficient and would have to pay {$200.00}. I have never had an experience like this before. Being charged unfairly for merchandise I did not receive. I then wished to cancel my account because I feel unsafe and not valued as a long-time member.
Consumer complaint received 2024-08-23
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: CITIBANK, N.A. (NY)

Hello The credit is XXXX dollars. The company refuses to give me my credit back. They knowing the situation that happened. It's a very serious situation. 

I make this claim to Citibank because I went on vacation and at the time of boarding my baby got very bad and we could not travel we went to the hospital and my baby was diagnosed with XXXX  XXXX and we missed the flight, the airline did not want for any reason to change the flight or return the credit to us, when we opened the dispute with the bank we showed him all the medical documents of my baby and the necessary documents so that they did not make the refund of the credit they provided us with the money but 1 month later they removed the credit when I call To ask what had happened. They told us that the airline told them that they didn't want to return the money. Things that are something unjustifiable and unforgivable because it's a baby who has XXXX XXXX and the airline was told and all that was shown and my bank still did it. I took the money from my account after they had already provided it. I need you to help me in this. It's a very delicate situation because it's about my baby who had XXXX XXXXXXXX and apart from that my Credit is now practically lost and I need the solution on this please I wouldn't want to go to legal case because of this situation that the bank is putting, I actually need my credit returned for a flight that was never used thanks
Consumer complaint received 2024-08-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: REGIONS FINANCIAL CORPORATION (VA)

My husband and I have a loan with XXXX for our a/c unit that we unexpectedly had to replace two years ago. We were already struggling when that happened and the only loan available to us was with XXXX. We did our level best while I was employed but then I was laid off at the end of XX/XX/year>2023. I am also XXXX, which makes my job search so much more difficult. My husband explained all of this to XXXX last year, he also specifically asked XXXX to not contact me as stress is a major trigger for one of my conditions. 

XXXX did NOT notate our request for XXXX XXXX  the first time and used to routinely call me daily. I had to block the number on my phone because it was so bad. I guess they figured out that I blocked the number because they called me on a different number today. The guy I spoke with indicated that he tried to contact my husband first but still contacted me anyway when he didn't answer. His exact words were " well I wouldn't have had to call you if he had picked up. '' He also indicated that there had been damage on my credit that has absolutely no way of going away for 7 years, regardless of the situation. I reiterated my unemployment status, the fact that I was the primary income earner, I am XXXX, and my request for XXXX XXXX. The phone call I had has now sent me into a flare of my medical condition and I have had to utilize emergency medication for.
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-31
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. (MN)

I Reviewed my Consumer Reports and noticed that I had Ten payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXXXXXX : XXXX Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

Chase issued me a credit card that had a 0 % apr for balance transfers until XX/XX/2019, but a high interest rate ( 22.99 variable ) for purchases. I transferred a balance and paid the balance transfer fee. Then I used it for purchases and paid an amount to cover the purchases so I would not get interest. I also paid the minimum on the balance transfer. They took the money and applied it the lower apr and not the way I intended. They spread the money, some went towards the 0 % balance transfer minimum payment due, and some to the 0 % balance transfer amount and some went to part of the 22.99 % purchases. They tell me I can not tell them how to apply the money, even though I know the act says that money needs to go to the higher apr first. Basically, they said that the only way I can avoid paying interest on these purchases is to pay off the entire thing. I got card to take advantage of 0 % interest and they are flouting the regulations of the recent credit card act that says payments go to the higher % first.
Consumer complaint received 2024-08-26
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: AMERICAN EXPRESS COMPANY (KY)

On XX/XX/year> my XXXX fianc, my XXXX American sons and I was supposed to leave to go to XXXX. At the last minute I remembered that we needed XXXX I searched on XXXX and found a false website ( not really fake but not the real government one ). The original false website was XXXX XXXX XXXX XXXX XXXX It looked " good enough '' - NOW important note : This is where I think American Express is wrong. Notice on this website what they are saying " XXXX XXXX XXXX XXXX is an electronic declaration which all passengers must complete when arriving in or leaving the XXXX. '' Notice those important words " All passengers MUST complete ''. If they didn't have that there, I would have only ordered XXXX for my XXXX XXXX. She is the only one that is required to have it - XXXX XXXX XXXX XXXX when it comes to departing passengers- only XXXX passengers are required to have it - unfortunately I did not read this BEFORE ordering. 

So, they lied on their website. Note : this website has the same WRONG info as XXXX XXXX XXXX - I sadly didn't notice the URL. It also says " all passengers are now required to complete the XXXX XXXX before entering and leaving the country. '' So, I paid for all XXXX of us. Now, the way the website was formatted on the iphone it appeared I was only being charged {$39.00}. That is what shows up on the screen in bold in the middle- it doesn't show the full amount {$110.00} unless you scroll ALL the way down and it is shown in small print at the bottom. So, they charged me XXXX charges of {$110.00} and XXXX charge of {$88.00}. No idea where the {$88.00} came from. I didn't notice the charge until it showed up on my credit bill since I have XXXX click pay and I didn't see the totals. 

I contacted American Express XXXX times about this -- trying to dispute and dispute the disputes. I even attached pictures of the website showing their lie and the XXXX government website showing only my fianc had to have the XXXX visa. They didn't care. The big problem is that the customer service representative told me the best way to enter this problem is to say you didn't get the service- but I told her that is not true, that is not what my problem is, but she said it is the best way. 

So, this false ( again not really fake ) website both XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX said all XXXX of us had to have the visa - only XXXX did. 
PLUS they formatted the phone display to hide the total bill until the end.

But, the big complaint is against American Express for a ) telling me to enter the complaint as not getting the service and b ) not caring about the proof I sent them about the lie on the website.

Note : On the official website the XXXX  visa is 100 % free even for last minute bookings. This FALSE website is hoping to get XXXX like me and gorge them on fees.
Consumer complaint received 2024-05-15
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$5700.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$560.00} XXXX  XXXX XXXX Balance : {$6300.00}