davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
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. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-08
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. (GA)

I have tried to remove these unauthorized inquiries report repeatedly and am not getting the help or results I need. I have submitted FTC reports, police reports, and called XXXX over and over while their representatives lie to me and tell me that they will be removed in 24-48 hours with no results to show even weeks later. These fraudulent inquiries are holding me back from moving and improving my credit score. Please help me as soon as possible.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-18
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: U.S. BANCORP (VA)

I purchased an item from XXXX in XXXX for XXXX XXXX It was an emerald gemstone and covered by the XXXX purchase protection. I asked the seller not to ship, but they did anyways..I spoke to customer support at XXXX, they tried to step in and confirm it would be delivered. When it was delivered it wasnt as described, the color was off, the intensity was off and the cut was just not at all perfect. There was a chunk taken out of the back that wasnt right. So then I opened a dispute with XXXX. XXXX was taking forever, asked that I work it out with the seller but then they delisted their items and disappeared- they didnt want to accept a return. I bought the item through XXXX with a credit card from XXXX. So I flagged it to XXXX after XXXX took a long time and then I disputed it with Fidelity/elan. XXXX still hasnt responded but they said XXXX said I could mail it back for a full refund. I accepted. While all of this was going on I opened a dispute with fidelity the credit card company so that the charge wouldnt process while all of this was being figured out. I provided the tracking number and everything. Instead fidelity reversed the charge a day before the billing statement would be paid in full and mailed me letters saying they needed more information and threatening consequences if the item wasnt paid for. I called representatives again at fidelity this morning. I had already given the tracking number a month ago and first they claimed I didnt mail them a form back- then I spoke to someone else and she- XXXX- said that the lady I previously spoke to never included the tracking information or any other information. This all feels like a big scam. Again its more about the principle. Ive provided information promptly to XXXX, XXXX and finally fidelity/elan. If they did an investigation wouldnt the other entities give them this information?
Consumer complaint received 2024-02-18
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 (CA)

Goldman suchs Apple card is charging me monthly installments from a XXXX transaction in XXXX I this transaction was cancelled I formed that that situation and they ignored That was a canceled purchase I did in XXXX XXXX. It was a monthly installment It was cancelled but i made 6 payments The first in XX/XX/XXXX then in XXXX XXXX to XXXX Then in XXXX XX/XX/XXXX got full XXXX charged back Correction XX/XX/XXXXXXXX XXXX  can see that at XX/XX/XXXX statement page 4 installment section Then statement form XXXX and XX/XX/XXXX shows a " cash charge back '' in. XXXX XX/XX/XXXX from {$630.00} Statement XX/XX/XXXX - XX/XX/XXXX Apple Card Monthly Installments Dates Description XXXX XXXX Apple Online Store XXXX XXXX  TRANSACTION # XXXX This month 's installment : {$53.00} This is your final installment. 
Amounts XX/XX/XXXX {$630.00} Total financed Total payments and credits Total remaining {$630.00} {$150.00} {$470.00} XXXX XXXX XXXX XXXX from Apple Card XXXX XXXX from Apple Card Monthly Installments Statement XX/XX/XXXX - XX/XX/XXXX Apple Card Monthly Installments Dates Description XXXX XXXX Apple Online Store XXXX CA TRANSACTION # XXXX This month 's installment : {$53.00}. 

XXXX {$150.00} {$470.00} XXXX XXXX XXXX XXXX from Apple Card XXXX XXXX XXXXrom Apple Card Monthly Installments Statement XX/XX/XXXX - XX/XX/XXXX Apple Card Monthly Installments Dates Description XXXX XXXX Apple Online Store XXXX CA TRANSACTION # XXXX This month 's installment : {$53.00} This is your final installment. 
Amounts XX/XX/XXXX {$630.00} Total financed Total payments and credits Total remaining {$630.00} {$53.00} {$580.00} NOTE : I sent all statements as proof or recharge chargeback and installment 4 times paid for something was cancelled they told me i have contacted the seller the seller telling me contact the credit card then seller and credit card are the same company
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I've always made sure that payments on this account are made on time, never allowing them to become overdue. I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Consumer complaint received 2024-07-18
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. (NV)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have reached out to XXXX XXXX or XXXX XXXX, i am livid with the XXXX rep, who refuse to assist. Also lied about a supervisor being available to assist with my request. My name is XXXX XXXX and the have it on my report as XXXX XXXX, i have never signed with any company going by XXXX XXXX. And all my years of having credit I have never encountered such errors as these people seem to have on my reports. I mean ALL 3 of them, XXXX, Equifax and XXXX. I had to take off from work to get on the phone and just be disrespected when I am telling these people who I am and what my information is. They are refusing in most cases to assist. It's like they have been told not to help us. I am very upset and i want my report for all 3 bureaus to show correct. I have been denied credit, credit increases, and given higher interest rates for some of this XXXX XXXXXXXX that these agencies are reporting. I have never had to file a report of this manner to anyone, BUT with this rudeness and refusal to fix my information by phone when they have my ID and bill information on file, is beyond me and i am sick on talking to them to get my information correct. They have a XXXX payment report of late on my report and i have not been late, i paid my vehicle off early and was not late at ALL. I need these things to be corrected and updated on my report. I called XXXX and they said they don't have the information of me being late and they did not report it. My only name is XXXX XXXX and my only address is XXXXXXXX XXXX XXXX XXXX GA XXXX no other statements or addresses should be showing on my report. The late notice from XXXX should be removed immediately from my report. I was told a long time ago that they would correct this. Thank you for assisting me and if you need any more information, please reach out to me.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I attempted to remove all aliases off of my credit report because some of my dad information is getting mixed with my own. I only need one name on my Experian, XXXX, and XXXX score. My ID have been shown and all of my ID 's including my old ones have XXXX at the end of it. When I attempted to remove they said XXXX of my dad vehicles is on my credit. I contacted the dealer to remove me off of the information and they attempted to update the information to XXXX but misspelled it even though I informed them that was not my vehicle.
Consumer complaint received 2023-11-07
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. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-10
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. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Skrill USA, Inc. (MA)

On XX/XX/XXXX, I received an email from Skrill advertising their XXXX XXXX promotion for 10 % cash back " when you spend at least {$50.00} on Qualifying Transactions made when using your physical or virtual Skrill Visa Prepaid Card '' from XX/XX/XXXX to XX/XX/XXXX, with a maximum of {$50.00} back. It was stated in all three emails that the offer was " valid for the first XXXX customers. '' I made a purchase at XXXX on XX/XX/XXXX with my card in the amount of {$500.00}. On XX/XX/XXXX and XX/XX/XXXX, I received two more promotional emails advertising this same offer, indicating to me that it was still ongoing and that I had qualified. According to the terms of the offer, it should have been issued to participants by XX/XX/XXXX, or else XX/XX/XXXX at the latest. I hadn't received it by XX/XX/XXXX, so on XX/XX/XXXX I opened a case with Skrill asking about the promotion. On XX/XX/XXXX they hadn't replied, so I updated the ticket. On XX/XX/XXXX I received a reply saying my account had not qualified for the promotion, and requesting a copy of the emails. The response requested that the emails be sent within 48 hours, else the ticket would be closed. I responded on XX/XX/XXXX, and on XX/XX/XXXX the request was denied and the ticket was closed. 

The grievance I have is not with this type of promotion ; while it is unbalanced toward the consumer, it is within the rights of the company to set those types of limits on their promotions. However, I believe it is deceptive to continue to market that promotion - and directly solicit participation from users - past the point they have any intention of fulfilling it.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-07-18
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. (LA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Experian has a credit card depicted as opened by consumer ( complainant ) back in XXXX  ( XXXX ). Consumer never opened credit line. Experian as well as XXXX have both refused to remove the information from credit reports. Further, the record depicts 2 missed payments on the credit line affiliated with the card. These credit agency '' s are trying to force a bad credit score on consumer. Consumer has identified to a XXXX XXXX police department a suspect who broke into victim 's home safe to open this credit line. They've refused to arrest him and/or take fingerprints from the safe to evidence an arrest/conviction of subject ( XXXX XXXX ). Further, a law enforcement official connected to him ( a XXXX XXXX XXXX is misusing victim 's social security number in connection to XXXX 's burglary activity. Creating falsified documents with local government agencies in victim 's name
Consumer complaint received 2024-02-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/2024 NCB Management Services XXXX XXXX XXXX, XXXX, PA XXXX Re : Complaint against NCB Management Services for Violating Rights under 12CFR1006.34 ( b ) ( 5 ), 12CFR1006.34 ( c ) ( 4 ) ( I ), 12CFR1006.34 ( d ), and 15USC1681-S2 ( 7 ) ( A ), Dear NCB Management Services, I am writing to file a formal complaint against NCB Management Services for alleged violations of my rights as outlined in the Consumer Financial Protection Bureau regulations , specifically 12CFR1006.34 ( b ) ( 5 ), 12CFR1006.34 ( c ) ( 4 ) ( I ), 12CFR1006.34 ( d ), and 15USC1681-S2 ( 7 ) ( A ) .I dispute any and all debt owed to NCB Management Services and request the validation of the debt as well as the purchase agreement between NCB Management Services and the original creditor. Additionally, I am exercising my right to revoke all forms of communication, including email, text, and phone calls. Furthermore, I am requesting NCB Management Services to refrain from reporting and /or furnishing any information related to this disputed debt to consumer reporting agencies. To ensure compliance with applicable laws, I am also requesting proof that NCB Management Services is duly licensed and bonded to engage in debt collection activities. Please investigate these matters promptly and take appropriate actions to address the alleged violations. I appreciate your attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BMO Bank, N.A. (NY)

Their app didnt show a payment was due after my loan was transferred to them so we didnt make a payment. After 2 weeks we starting receiving harassing calls stating we missed a payment and its a debt collection. I contacted several people and managers and explained the situation. This was their fault that the app wasnt updated. They apologized and said theres nothing we can do and we have to make a payment even though this wasnt our fault. After contacting several more people who didnt speak English I finally was in contact with someone who finally offered a payment plan to help us catch up. It was then reported to me credit I was late on a payment! I have never been late on a payment and started a dispute. ( It has since been taken off my credit report ) She stated she would follow up with me the following day and never returned my call. When calling back and requesting to speak with her mo one would connect me and no call was ever returned. Even after the payment plan was set up we were receiving multiple calls a day saying it was an attempt to collect a debt. I continued to call and try to speak with a manager and was offered a different type of payment plan to help us catch up. And we have made several payments at this point. Now we have entered into another payment plan!!!! Fast forward 4 MONTHS and 2 Payment plans later we are still receiving debt collection calls several times a day, weekends, holidays, late nights, up until XXXX at night. When we try to answer it we either get an automated call or someone just hangs up! I am so fed up with this disgusting company!!! If I could transfer my loan to another company I would!! They are horrible!!!
Consumer complaint received 2024-07-30
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian : This is a Self-Attestation that I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), as well as personal loan account opened at XXXX XXXX  on XXXX XXXX, XXXX under the account number XXXX XXXX XXXX ). An personal loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX