davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I have previously disputed { PUBLIC RECORD } on XX/XX/year>, and in response, you verified the item as accurate, stating that you have verified the information with the court. 
I contacted the court, and their response is enclosed. 
It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. 

Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681A ), Right to Privacy.

The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681B ), Permissible Purpose.

Therefore this information must be deleted immediately. 

I have attached a letter from the courthouse.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (NJ)

I was reviewing my credit report and discovered this account. The name of the company is Resurgent. The account opened XX/XX/year>. In the amount of $ XXXXThis account is appearing on XXXX, XXXX, and XXXX.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

I tried to login to Chime account and it had a message that my account had been closed. I called to find out and they told me that the account was closed XXXX. My balance was {$210.00} by XX/XX/year>. There was a settlement for XXXX leaving the account in XXXX balance. 

I have not received any check from them since that date. 

TRANSACTION DATE XX/XX/year> DESCRIPTION Adjustment AMOUNT - {$210.00} NET AMOUNT SETTLEMENT DATE - {$210.00} XX/XX/year>
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX Incorrect Name : - XXXXXXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-07-17
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: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/year>, I applied for The Gold Card American Express. The primary reason for my application was the advertised open bonus : " Earn XXXX Membership Rewards Points after you spend {$6000.00} on purchases on your new Card in your first 6 months of Card Membership '' ( see attached image - " Open Bonus '' ). Given this enticing offer and my upcoming travel plans, I proceeded with the application. 

Throughout the application process, I did not receive any notification indicating that I was ineligible for the open bonus. Therefore, I reasonably assumed I qualified for the offer. 

On XX/XX/year>, I contacted American Express customer service via chat. To my surprise, I was informed that I was not eligible for the open bonus, despite having spent the required {$6000.00}. When I attempted to seek clarification and assistance from Amex Customer Service, I was merely told I was ineligible without any further explanation or support. 

I understand that eligibility criteria may apply and that an ineligibility notification should appear during the application process, typically as a pop-up message stating, " You are not eligible for the bonus ; do you want to proceed? '' However, I did not receive such a notification. If American Express refuses to honor the open bonus, this constitutes false advertising.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

Hello, I noticed that my credit report has items that have resulted from fraud which I never benefitted from.This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2024-09-05
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. (FL)

I filed a credit card dispute with Citibank for a charge on my XXXX from a 3rd party travel vendor XXXX for a hotel stay at the XXXX XXXX on XXXX & XX/XX/year>. The hotel reservation was made & paid for through XXXX for a total of {$580.00} with a transaction date of XX/XX/year>. On the 2nd night of our stay, we had to leave early due to a noisy guest in the next room. The XXXX XXXX manager agreed to give us a refund of 1 night of our stay which amounts to XXXX ( that email thread has been attached ). The refund request was sent to XXXX which handles reservations for XXXX ( also attached ) as I was told the refund needed to go through the 3rd party travel vendor. I never got the refund from XXXX for the 1 night of the stay of XXXX after repeated follow up attempts so I filed a credit card dispute with Citibank for the XXXX noted above on XX/XX/year> Citibank Case ID # XXXX. Citibank responded by letter requesting a " credit slip '' which I do not have as the issue is that I never got the credit from XXXX applied to my Citibank credit card account that I was pursuing. After I explained this to Citibank in a follow up email, they sent me a letter stating my dispute was closed and I would owe the full amount as I didn't provide the credit slip ( doc also attached ). Again, there is no credit slip which is the entire point of my credit card dispute. I have attached the refund request sent by the XXXX XXXX to XXXX XXXX I called Citbank back after my case was closed & explained this to a customer service representative who advised they would reopen my dispute. I tried to speak to the Citibank transaction dispute department but I was told that is not possible. Citibank again requested the credit slip in a follow up letter so I responded by email again advising there is no credit slip which is the exactly the reason I am disputing the charge. Citibank sent me a follow up letter on XX/XX/year> advising my dispute was closed again and I would owe the full amount. Their reason was the same as previously listed which was that I did not provide a credit slip. My impressions are that Citibank 's standard procedure is to side with the merchant as their response letters appear to be form letters and do not match the specifics of my charge dispute. Citibank 's online reputation is that they always favor the merchant in these type of disputes and their handling of my case appear to confirm this as their reasons for closing my case do not match my specific dispute. Any assistance would be greatly appreciated.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. List : Creditor Name : XXXX XXXX XXXX, Account Number : XXXX, Month/Year of Late Payment : XX/XX/year> I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED and update my payment history to a green check or grey it out. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. Best Regards ( Insert Name ) Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes.
Consumer complaint received 2024-07-10
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: GOLDMAN SACHS BANK USA (NY)

Apple Card GS Bank had opened an account under my name I reported/disputed it to XXXX, XXXX XX/XX/year> I received Report # XXXX that the information was verified as accurate. 
I was a victim of data breach at XXXX. They gave us access to XXXX XXXX XXXX. I received an alert from XXXX in regards to the APPLE CARD GS BANK credit card. I then started the process to report the card as a fraudulent dispute with APPLE CARD GS BANK, the XXXX credit bureaus and XXXX. 

Now I need a report from your agency to continue the investigation as fraud.
Consumer complaint received 2023-08-03
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Portfolio Recovery Associates LLC 's unauthorized debt collection activities in the state of Ohio. According to my review of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  website, Portfolio Recovery Associates LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is not licensed to collect debt in Ohio as of XX/XX/XXXX. 

I attempted to verify Portfolio Recovery Associates LLC 's licensing status by contacting them directly on XX/XX/XXXX and the call was approximately 8 minutes. During the conversation, the representative I spoke with tried to assure me that they are licensed to collect debt in Ohio. However, according to the information available on the XXXX website as of the date of my review, they are not licensed. 

I am deeply concerned about Portfolio Recovery Associates LLC 's misrepresentation of their licensing status and their continued attempts to collect a debt in Ohio without proper authorization. The representative I spoke with was uncooperative and failed to address my concerns regarding their licensing status.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

ON XX/XX/year> I REQUESTED A BILL PAYMENT ONLINE FOR {$7400.00} TO PAY A COMPANY CALLED XXXX. THE MONEY WAS DEBITED FROM MY ACCCOUNT INMEDIATELY AND CHASE SENT A CHECK TO THAT COMANY 'S ADDRESS. ON XX/XX/XXXX THE COMPANY CALLED ME AND SAID THE CHECK HAD NOT ARRIVED YET. I CALLED CHASE THE SAME DAY AND THE PERSON I TALKED TO TOLD ME THAT HE WOULD PUT A STOP PAYMENT AND THE MONEY WOULD BE REFUNDED TO MY ACCOUNT IN 3 TO 5 BUSINESS DAYS. SINCE THE MONEY WAS NOT REFUNDED I WENT TO THE XXXX XXXX XXXX XXXX XXXX XXXX THEY PUT ME ON THE PHONE TO A PERSON WHO TOLD ME THAHT THERE WAS NOT A STOP PAYMENT AT ALL, THAT HE WOULD PUT ONE AND GEVE ME A CASE NUMBER : XXXX AND PROMISE THAT THIS TIME THE MONEY WOULD BE IN MY ACCOUNT ( AGAIN ) IN 3 TO 5 BUSINESS DAYS. 
SINCE THE MONEY WAS NOT IN MY ACCOUNT ON XX/XX/XXXX, I CALLED CHASE AND AFTER TALKING TO ABOUT 4 OR 5 DIFFERENT DEPARTMENTS AND PERSONS IN A CALL THAT LASTED 36 MINUTES, THEY PROMISED THE MONEY WOULD BE IN MY ACCOUNT AT THE END OF THE DAY. 
XXXX XXXX XXXX XXXXXX/XX/XXXX AND MY MONEY IS STILL MISSING AFTER MORE THAN A MONTH OF BEING DEBITED.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

When I went to purchase my groceries at XXXX XXXX they declined my card but the charge went through so I wasnt able to get my groceries. I tried to dispute with chase but they chargeback my account.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (CA)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : US BANK # XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I already request the account ( XXXX XXXX  ) in the amount of {$1700.00} to be removed from my report as it does not belong to me. I'm not sure if the account is a Credit Card account or personal loan. I just know it does not belong to me. I have also dispute it with the company as well. I recently submitted a complaint for removal two accounts. One was successfully removed. But the XXXX XXXX  still remain on my report.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (WI)

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the XXXX major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.