davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to file a complaint against Experian for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail ( tracking XXXX  XXXX ) requesting an investigation into inaccurate items on my report. Additionally, I disputed incorrect personal information listed on my credit report. To help Experian verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
Despite my clear and thorough request, I did not receive any response from Experian with investigation results. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the FCRA. 
I am including a copy of my dispute letter sent to Experian, along with proof of delivery as evidence.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

Venmo will not release my funds or authenticate my identity. They have my passport, drivers license, and NY state employee paystub and refuse to address the problem. 

My driver 's license does not have my street address on it because no mail goes to my house- as in most rural places. Venmo won't provide what legal statute they rely on to discriminate against people based on where they live and keep their money. 

Today 's made up drama from the venmo team is they can't read my documents. But won't say what they can't read. If there software is not good enough to relay an iphone picture to be reviewed by their staff - a picture of someone's personal identifying information how could they possibly have the cybersecurity to prevent hacking and keep people 's information safe.
Consumer complaint received 2023-12-04
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. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Please block and remove this information from my credit report, Pursuant to section 605B or the fair credit reporting act and send the required information to all furnishers of this information five unauthorized fraudulent accounts include : XXXX XXXX XXXX $ opened XX/XX/XXXX XXXX XXXX  balance {$670.00} opened XX/XX/XXXX XXXX XXXX balance XXXX $ opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX $ opened XX/XX/XXXX XXXX Funding balance XXXX $ opened XX/XX/XXXX Unauthorized fraudulent address never lived there include : XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX, XXXX WI XXXX Unauthorized fraudulent inquires include : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
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. (NY)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

My long running autopay series was cancelled which lead to a late fee ( presumably interest charges ) accruing on my account even though this autopay series has been running for years. 

My Unlimited Cash Rewards card had an autopay series that was set up when it was originally a Merrill product. In early XXXX of this year I did a product change to the new Unlimited Cash product and my autopay payment series continued to run in XXXX and XXXX successfully. On my due date ( XX/XX/XXXX ) no payment was applied, triggering the late fee etc. 
The only thing that I can imagine might be related is that I set up autopay for a separate account ( Customized Cash ) on or about XX/XX/XXXX but I don't understand how that would cancel my autopay on my Unlimited Cash ( formerly Merrill+ ) card. 

I talked with someone on chat who couldn't look up my autopay information. When I asked to be escalated to someone who could help they gave a phone number that dumped me into someone in banking who couldn't access my credit card account. When I asked for a warm handoff to a credit card agent they connected me somehow but then I got disconnected ( no call back ) from that agent partway through the discussion with them.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was a victim of this data breach and XXXX has done nothing. Please help me to delete these illegal accounts from my reports.
Consumer complaint received 2024-05-13
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. (FL)

I reviewed my customer reports and noticed that I have one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/year>. I ask that you please review and investigate this matter and provide documentation with proof of statement showing that these payments were late. If proof cant be provided I demand these payments to be updated to paid as agreed on time as they should reflect due to the fact I was never late. Thank you in advance, please see supporting details attached.
Consumer complaint received 2023-09-02
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. (GA)

At the time of my application for the Chase Freedom Unlimited Credit Card, the advertised rewards promotion was " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening ''. The fine print clearly stated that this welcome offer was { and still is } available to all new card members if you do not have this card and have not received a new card member bonus for this card in the past 24 months. I have never had a Chase credit card so I met the XXXX requirements for this promotion. After being approved for the card I spent {$8000.00} in the first 3 months and noticed I never received my {$200.00} per the advertised promotion. After many communications back and forth with Chase representatives the following information was disclosed. Although the advertised promotion on my computer screen the day I applied was " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening '' Chase determined I was not eligible for the promotion, and proceeded to apply an inferior promotion to my account, that inferior promotion equates to earning {$7.00} when I spend {$500.00}. I have asked for the reason why I was determined ineligible for the advertised promotion the day I applied and Chase has refused to disclose that. I have pointed out that per the advertised promotions ' terms and conditions, the practices they have used for me are illegal. They engaged in bait-and-switch advertising to entice me to apply for their credit card just to give me a less favorable offer. They also used false advertising because the offer and the offer 's terms and conditions clearly stated this offer is available to all " NEW customers that have not had a Chase credit card the prior 24 months. I was a new Chase customer at the time I applied. I also applied for the credit card through the welcome offer advertisement as the terms and conditions suggested. Lastly, my denial of the advertised offer is in violation of the Equal Credit Opportunity Act. I have asked Chase to prove it was not in violation of the act and they simply requested I trust it was not. I do not trust anything this company has stated. I want to know the specifics behind my not being approved for the {$200.00} welcome offer and then the lesser offer being applied.
Consumer complaint received 2024-05-13
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXXXXXX Balance Owed : {$59000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed XXXX {$12000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance : {$81000.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$12000.00}
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NJ)

My Comenity-XXXXXXXX XXXX XXXX credit card was charged from XX/XX/XXXX to XX/XX/XXXX for purchase of " XXXX XXXX XXXX XXXXXXXX XXXX. The first transaction was on XX/XX/XXXX in the amount of {$1.00} than 11 transactions on XX/XX/XXXX with each {$49.00}, five transactions of each {$49.00} on XX/XX/XXXX. One more {$1.00} transaction on XX/XX/XXXX, 6 transactions of each {$49.00} on XX/XX/XXXX, 6 more on XX/XX/XXXX each {$49.00} and 6 more on XX/XX/XXXX each {$49.00}. 

The total purchase was made in the amount of {$1700.00} without our knowledge. 
I've not used my this visa card after XX/XX/XXXX. This is not my primary credit card. 
I've filed complain to the Comenity credit card company and they've filed dispute in XX/XX/XXXX. 
Now, it is more than 90 days but not heard from the Comenity dispute department. 
However, I am receiving statement including interest every month which is damaging my credit report. 
Last week, I've wrote them letter to check status of my complaint. 
I will be greatly appreciate for any assistance. Thank you for your time.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian and XXXX claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate, but how is that if the Account Number, Date Opened, High Credit, Past Due, Comments and Date Last Active are DIFFERENT? This means the accounts have not been properly verified. Also, under FCRA 15 U.S.C. Section 604 ( a ) ( 2 ), my rights have been violated. I have not given anyone written permission to furnish these accounts on my credit report. The inaccurate account I have identified : 1. XXXX XXXX XXXXXXXX -- INACCURATE INFORMATION : Account Number, Date Opened, High Credit, Past Due, Comments, Date Last Active
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (AZ)

On XX/XX/2024, I sent a letter to Experian regarding a request to investigate things that I believe to be inaccurate and/or incomplete in my credit report. Experian responded back with a stall letter on XX/XX/2024 stating that it was not me but a third party trying to fix my credit. However, I mailed this from my own house. I am not sure why they think Im a third party as I am trying to fix my own credit while getting these inaccuracies removed as I am trying to get a vehicle
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (OK)

On XX/XX/XXXX I opened a line of credit with Fortiva through XXXX XXXX XXXX XXXX in XXXX XXXXXXXX, OK. This was strictly to purchase my child a bedroom set. I paid payments on time from XX/XX/XXXXXXXX  to XX/XX/XXXX. On XXXX XX/XX/XXXXXXXX  I paid the remaining balance of {$1500.00}. As long as I paid the balance due before the sixth month mark then I would not have any interest. In XXXX of XXXX  I attempted to purchase a lamp at XXXX XXXX and the card was declined. I contacted Fortiva and the representative stated that the account had been closed out. Close to 15 months later, around XX/XX/XXXX I checked my credit report and it showed a past due balance of around {$90.00}. I contacted the company and they stated that there were fees on my account that were past due. I explained that the card is as previously declined as well as verified by a Fortiva Representative that the account was closed. I have been fighting to get this removed from my credit report and with Fortiva to drop the fraudulent fees for over a year now. Please investigate this company as I know if they did this to me then there are others out there as well. It now shows a derogatory mark on all 3 reporting credit agencies as a balance past due of {$190.00}. I have disputed the charges multiple times and they recently charged off the balance as a bad debt. I was able to obtain access on the Fortiva website and it is still saying that there is a balance due of {$190.00}.
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

We have tried with our best efforts to communicat e to Nation Star our current mortgage is to high ( 6.68 % ) in interest alone and this resulted in a higher payment. Nation Star  has responded to this by explaining why its higher and that our income does not have any affect on the modification that was approved, however we rejected the modification and we are reques ting Nation Star consider a second offer of modification with new information submitted. We have consulted with two hou sing counselors (  XXXX  and  XXXX   XXXX   XXXX   ) both  stated we need to reject and resubmit the new information which included our obligation to pay past due s Home Owners Association dues  which was not address when we were in bankruptcy. The BK XXXX  has been completed and discharge. We are now obligated to pay {$4800.00} balance as well as replace an existing vehicle for my husband to continue to work his fu lltime job. Nations Star is now in the process of changing its name, we do not want to be stuck in a cycle and ignore while this company attempts to change its image.
Consumer complaint received 2024-05-13
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. (IL)

I am reaching out to challenge the presence of this bankruptcy on my credit report. It's troubling because I have a court letter explicitly stating it shouldn't be reported to you. Moreover, the involvement of an unauthorized third party makes this situation even more absurd.
Consumer complaint received 2023-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am not liable for this debt with XXXX and don't have contract with XXXX XXXXThey did not provide me with the original application loike I asked. 

Account XXXX XX/XX/2023
Consumer complaint received 2023-04-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Upon requesting validation of the account XXXX XXXX XXXX  ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) i was informed that everything was 100 % accurate. However, if its the same account why is there so many differences from all credit bureaus. If your investigation is accurate there is false reporting on my consumer report by having diferent dates and numbers. I have highlighted all differences. Therefore, I demand this accounts to be deleted as you have failed to update them through various disputes. According to 15USC 1681 I ( 5 ) everything has to be 100 % accurate on my report. Its obviously not.
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (SC)

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. 


XXXXXXXX XXXX XXXX XXXX  : # XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2023-04-12
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)

I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-04-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

It has come to my attention that the credit bureaus keep sending me letters that the accounts I am disputing are returning as verified as accurate HOWEVER I HAVE ASKED for the credit bureaus to send me wet signature proof that the account belongs to me I have notfied in numerous occasions that I was a victim of of identity theft and feel as I am being unheard. 

Besides this the credit bureaus have a lot of inaccuracies as they do not match across the board which means they are not doing their diligence work Please investigate my case I am attaching my credit report discpancies, identity theft report and letter of what I am disputing
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

on XX/XX/XXXX I received my results from my dispute with Experian, and it said it remained. I filed another dispute with them to remove this false collection on my credit report, and I would like to file a complaint against them for allowing them to do that. when the debt company dont even have my personal information, correct.