davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

This is a Official notice That Im am opting out of a credit report And sharing of my information that XXXX XXXX And American Express Have Been Sharing to XXXX, XXXX and XXXX Without ever providing the lawful disclosures for me to opt out Via 15 us code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.

( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I am not Putting American Express and XXXX XXXX on notice to Stop The Report of any late payments transaction history and experiences on my credit report Via federal law and being that I am Elderly the continuation on that matter will be considered elderly
abuse and Fraud For accounts XXXX XXXX XXXX XXXX XXXX AMERICAN EXPRESS XXXX
Consumer complaint received 2023-09-18
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. (CO)

I signed up for a XXXX XXXX XXXX Credit Card on XX/XX/23 through a link that said if I spent {$5000.00} in the first three months I would receive XXXX miles and XXXX PQP. I took a screenshot of that promotional offer and still have it ( see attachment ). When I spent the {$5000.00} I only received the XXXX miles but no PQP. I called Chase and they said they were only showing the miles bonus but no PQP. They escalated this to marketing but they said there was nothing they could do. I read online that this exact thing has happened to several other people with this same credit card and intro bonus.
Consumer complaint received 2024-06-16
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. (WA)

I submitted a complaint with experian months ago requesting that information be blocked on my credit report under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX at experian mailed me a letter back requesting proof of identity, my victim determination document and to identify the adverse information. She stated that if I sent in these things that the information I asked to be blocked would be removed within XXXX business days. I sent in everything that was requested without deficiencies, a copy of my id, a bank statement my victim determination letter, and a notary from the state of Washington. They received them and opened my case XX/XX/year>, well it is now XX/XX/XXXX and exactly XXXX days later and XXXX XXXX ACCT # XXXX is still on my credit report.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (CA)

I am submitting proof of this inaccurate information on my credit report. This account is showing the account 90 days late 4 months consecutive in a row. This is impossible and this is unfairly affecting me.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I am furious. Both my grievances had no resolution and were referred back to XXXX XXXX in area in which he could not and should not be expected to be able to help. Its not his specialization on these issues. Additionally I was told by membership services that I was not ALLOWED to call the membership line to correct errors, help find providers, or ask questions severely limiting my access to your service when XXXX is not available and direct contradiction of the purpose of membership services which is to assist with the above, the benefits packages which tells me to call this number with concerns, and even recent correspondence that directs me to call with questions and concerns while simultaneously and confusingly directing all issues even ones not appropriate for him ( previous XXXX non payments ) to XXXX XXXX. Please remove all restrictions on my access to XXXX XXXX XXXX that help administer my care. I further demand we create a plan to make me whole on payments and submissions that have now had to in some cases be resubmitted or misprocessed 3 times and payment times have often been over 90 days. Im not willing to use the exact same system that has failed nearly a dozen times so I can be repaid and recycle the money to continue seeing my providers. Further every time I seem to submit valid bills there appear to be numerous errors in processing and unfair wait times and thus without a plan to how things will be different in the future it would be unreasonable to expect working with XXXX just to receive my benefits I handsomely pay for will not continue to be nearly a full time job of vigilance, excel spreadsheets, and waiting for you to fix your own errors. 

The following math you wrote does not make sense, a closed account cant go from a {$24.00} balance to over a $ XXXX balance when no new charges can be made as the account has been closed, and statutory timeline had passed to make any changes to a closed account based on a billing error or a fraud dispute. 


On XX/XX/2018, we sent you a credit balance refund for the {$24.00} credit on your account, leaving you with a {$0.00} balance. The payment made on XX/XX/2018 was returned by your bank as you advised the payment was not authorized. We issued a credit to your account on XX/XX/2018 for {$1.00}, leaving your account with a New Balance of {$2000.00}. We are unable to issue credit for this balance. Your account has not been charged off or settled as you mention in your correspondence. 


You mention XXXX as the required balance I am happy to pay it close out this matter and have.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-05-24
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. (NC)

er : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!

Ive submitted proof of Identification card, Social Security card proof of address and FTC
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-08-28
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)

My rights has been violated, for my transactions are reported as late on my consumer report without my permission, XXXX XXXX account number XXXX account XXXX XXXXXXXX XXXX  XXXX 19.182.030 Consumer reportCredit action not initiated by consumerExclusion by consumer.

( 1 ) A consumer reporting agency may provide a consumer report relating to a consumer under RCW 19.182.020 ( 1 ) ( c ) ( i ) in connection with a credit transaction that is not initiated by the consumer only if : ( a ) The consumer authorized the consumer reporting agency to provide the report to such a person; or ( b ) The consumer has not elected in accordance with subsection ( XXXX ) of this section to have the consumer 's name and address excluded from such transactions.
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: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to bring to your attention an issue I have encountered with TransUnion LLC, one of the major credit reporting agencies. As a consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute certain inquiries on my credit report. Unfortunately, TransUnion has failed to complete their investigation within the mandated 30-day period. 

Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I submitted a dispute letter to TransUnion requesting the removal of the aforementioned inquiries. 

According to the FCRA, TransUnion is obligated to investigate and respond within 30 days. However, this deadline has passed without resolution. 

Legal Basis : The FCRA grants consumers the right to access their credit reports and dispute any inaccurate or incomplete information.

Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies must conduct a reasonable reinvestigation when a consumer disputes an item on their credit report.

Section 611 ( a ) ( 7 ) of the FCRA specifies that if the investigation is not completed within 30 days, the disputed information must be removed.

" 1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' ( Source : 15 U.S.C. 1681i )
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (CA)

XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Miscellaneous XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX collection bureau of a 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 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

Hello, I have late payments on my credit report from NCSECU from XX/XX/XXXX- XX/XX/XXXX. I called NCSECU before I was ever late and asked for a deferment because I was sick and was out of work. If I don't work I don't get paid as an XXXX XXXX. I was sick for several weeks at that time not knowing I had XXXX. Then my wife was sick and I had to take care of her and then my kids. Struggling to catch up between this time I finally gave up and sold my house in XX/XX/XXXX because NCSECU only cared about getting their money and on time. I called in multiple times to avoid late payments. The first time the representative said they can't help me because i am already a few days late. When the world shut down and everyone realized what was going on with XXXX  the bank had been offering help to avoid late payments for mortgages to help those in need. Well we were desperately in need and I called in again and stated this and they denied any deferral of my mortgage or assistance because I was already 30 days behind. We were forced to sell to avoid foreclose and been struggling with XXXX since then because we no longer have our own home and to top that have we late payments sitting on me and my wife 's credit report preventing us from ever getting a new mortgage in the future. This was extremely unfair during those times.
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. (IA)

It has come to my attention that negative items are not being removed, even when submitted with an FTC report. As mandated by law 605b of the FCRA. Should you fail to remove the items listed below, which are inaccurately reported due to identity theft, I will forward my documents to my attorney to initiate legal proceedings. It is my preference to avoid legal action, so please comply with the law. Kindly remove the following items, as they are fraudulent and were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was 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 information relating to any transaction by the consumer. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This formal dispute letter is written in connection with violations committed by both the Transunion and XXXX credit bureaus. Both have violated my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( hereafter " FCRA '' ) which prohibits Consumer Reporting Agencies ( " CRA '' ) from engaging in deceptive and unfair practices. 

WHAT YOUR COMPANY NEEDS TO KNOW 1. Please be aware that I dispute the information ( U.S. Bankruptcy Court item ( s ) ) contained in my credit/consumer file.

2. I carefully investigated this incident, the U.S Bankruptcy Court never provided any information to the credit bureaus, nor do they ever validate and/or confirm public records. The attached letter states these facts unequivocally. 
3. The credit bureaus have reported derogatory information to my consumer/credit for 7 years since 2016, and have caused me much difficulty in attaining fair interest rates4. If the CRAs can not validate the information with the information furnisher, CRA must remove said information from the consumer file. '' 4. According to the FCRA, I have the right to an accurate consumer/credit report.