davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2024. It has been more than 30 days, and I have not received any proof that your company validated the debt. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Record Type : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I hope this message finds you in good health. I am writing to appeal the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. I firmly believe that this limitation has occurred due to a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

Throughout my history as a PayPal user, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is of paramount importance to me, and I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (DC)

In XX/XX/2023, Chase falsely advertised a promotion offer to get me to sign up for a credit card. I followed the exact requirements of the promotion offer, but I never received the promotion I was entitled to. Chase has repeatedly failed to remedy the situation. 

I opened a Southwest Rapid Rewards Credit Card with Chase on XX/XX/2023. Chase and XXXX advertised a promotion from XX/XX/2023 to XX/XX/2023 that if you signed up for a XXXX XXXX Credit Card, you would earn a Companion Pass ( allowing a designated companion to fly with you for free ) once you spend {$4000.00} in 3 months. I clicked on an advertisement for this exact promotion to sign up for the credit card. 

I met the {$4000.00} spending threshold as of my XX/XX/XXXX credit card statement. By XX/XX/XXXX, I had maintained an active Chase account for 3 months. 

In XXXX, XXXX, and XX/XX/2023, XXXX repeatedly confirmed on the phone that I had received this promotion offer and that the requirements I described were correct. But Chase repeatedly claimed on the phone and in written messages that the promotion did not appear on my account. 

I clearly signed up for the card during the promotion dates and met the spending requirements. I sent Chase evidence via internal message that I clicked on this exact promotion offer to sign up for the card, that this promotion offer was valid on the date that I signed up for the card, and that I met the spending requirements within the first 3 months of opening my Chase account ( those documents are attached ). Chase refused to remedy the situation. 

Today, XX/XX/XXXX, I called Chase and gave them XXXX more chance to give me the promotion offer that I had rightfully earned. XXXX of the Chase representatives claimed that he couldn't apply the promotion to my account now because the offer had expired. The offer expired on XX/XX/2023, but IT WAS VALID on XX/XX/2023, the date that I signed up for the card. I signed up for the card explicitly because Chase advertised this offer to me! 

Chase 's false advertising and horrible customer service has forced me to pay full price for XXXX XXXX flights in 2023 totaling more than {$2000.00} that should have been free with the XXXX XXXX.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my Federally protected consumer rights and confidentiality under 15 USC 1681. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) has violated my rights. 

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.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MI)

I applied on line for an American Express " Platinum '' credit card on XX/XX/2023. 
After realizing that American Express has many different types of " Platinum '' cards with different perks and fees I discovered that I mistakenly applied for a different " Platinum '' card than I had intended. 

I then called them on XX/XX/XXXX  and explained to them that I had not intended to apply for this particular " Platinum '' card and asked that it be cancelled. 

I never received or activated a card from them and did not receive any further mail, email communication or statements from them regarding the matter until XX/XX/XXXX at which time I received a statement saying I owed a {$250.00} annual fee. 

I immediately called American Express expressing my concern and was told it would be looked into and I would be contacted with-in 10 days by email which they did not do. 

I followed up on XX/XX/XXXX  and was told there was nothing they would do and that I am responsible for the {$250.00} fee. I again requested cancellation and have yet to hear back concerning the cancellation. I should not be responsible for this {$250.00} fee.
Consumer complaint received 2024-04-29
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: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-21
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. (NY)

I am writing to express my ongoing concern regarding an inaccurate late payment entry on my credit report, which HAS NOT BEEN CORRECTED DESPITE MULTIPLE REQUEST FOR RESOLUTION. This matter pertains to an alleged late payment of {$3200.00} on XX/XX/2022, as reported by XXXX XXXX with account # XXXX. I wish to emphasize that this late payment entry is in error, and I have provided substantial evidence demonstrating my consistent, on-time payments to XXXX XXXX XXXX Despite my previous communications and the supporting documentation I have submitted, the inaccurate late payment entry persists on my credit report. Please have this account REPAIRED : XXXX XXXX XXXX
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (NC)

Company Kickoff Lending LLc has placed a XXXX charge off on my credit report. The company has been emailed XXXX and again XXXX about this charged off account on my credit report. Ive never bought anything from this company! 
The company said this account was charged off XX/XX/XXXX 
Im not aware of any account with this company and no signed contract has ever been sent to me.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

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.
Consumer complaint received 2024-04-25
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX 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 informationisinaccurate.
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: Lockhart, Morris & Montgomery Inc. (CA)

XXXX XXXX and Lockhart Morris & Mont I am writing to formally dispute information on my credit report that does not belong to me and is negatively impacting my creditworthiness. The inaccurate information in question is associated with my credit report, and I kindly request its immediate removal to rectify this erroneous situation.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (GA)

I called and sat on hold 10 minutes to talk with a call centered outside the US. Said it was lowered because of my current credit score which i am trying to increase. I saved for 3 months to make a lump sum payment of {$1200.00} and havent been late but one month. I am rewarded with them lowering the credit score by 50 %. I asked how to make a complaint and they hung up on me.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX Installment with account # XXXX opened on XX/XX/year> and a balance of {$23000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

This account is false. This car has no lien and I do not owe anyone for this car. These false payments and missed payments are not accurate.

Please remove this from my credit report. I will attach my clear title with no lien to this report.
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (IL)

TrueAccord contacted me on XX/XX/year>, attempting to collect a debt that they falsely claimed was associated with me. Key pieces of false information in their debt collection email : Naming a bank ( XXXX ) with which I have never done business, and conveying an address on file at which I have never resided. It is possible that they are mistaking me for a different person, as I have a common name. However, I do not consider this face to overcome their obligation to meet a minimum standard of due diligence. They say they have purchased the debt and are, themselves, trying to collect on it. XXXX has confirmed that I have never had an account with them of any sort, based on an SSN search. The home address shared by XXXXrueAccord is one at which I have never had a residence or business. When I looked on the XXXX XXXX XXXX website, it appears that TrueAccord is making this mistake over and over again, with nearly daily complaints from consumers. I would normally not fault a company for honest mistakes, but their response to consumers on the XXXX site reveals that they don't give a rip about correcting their own errors, instead, claiming to have no way for verifying the underlying information that is in question. That does not seem to represent a pattern of meeting a debt collector 's standing obligation to provide the underlying information related to a debt, upon request.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT W/OUT COMPLETION. PLEASE HAVE ACCTS LISTED REMOVED FOR THE FOLLOWING VIOLATIONS OF CONSUMER CODES : 18 USC 1028A, AND VIOLATION OF 15 USC 1681 a4. You are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. his is causing me emotional and financial stress as I am constantly denied and have to be punished in interest cost.
Consumer complaint received 2024-07-30
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: EQUIFAX, INC. (MI)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-04-25
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. (DE)

I've consistently made sure that payments on this account are made on time, never allowing them to be overdue. I'm uncertain about the reasons for reports of late payment comments on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-08-04
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. (CA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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/block any following items 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 are the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX