davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY ()

I do not have a XXXX XXXX account. I paid my first credit card statement via a global money transfer. My second payment I attempted to do the same thing. I sent that XX/XX/XXXX and informed AMEX of the send. They said it would take 5-7 business days to show. On XX/XX/XXXX payment had not been applied and I had to recall it. I then contacted AMEX and was told as of XX/XX/XXXX they no longer accepted global wire transfers as payment. I was told to reach out to a friend or family member with a XXXX XXXX account and have them pay. This felt odd but I wanted to pay the bill. My daughter has a XXXX XXXX account but her bank wouldnt add AMEX as a payee because her name is not on the account. I contacted AMEX again and they told me to link her bank account with my AMEX account. I was deeply uncomfortable with this but was told they could do it so I could make a payment. I only paid the minimum amount because this just felt wrong. I even asked AMEX if this was really the only way and legal. AMEX manually entered my daughters banking information to my account and accepted payment. 
I have more money owing but am very concerned as to how to pay this. This situation has red flags all over it. I got back on with AMEX chat to figure out how I am going to pay the balance since I can no longer make a payment via my account. They said my daughter can pay but then she has to provide all her banking info again and she doesnt even have an account and is not on my account. I am just trying to pay this bill. Please help.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i made numerous attempts to dispute and i requested inaccurate inquiries and outdated information on my credit file.i understand that the fcra protects consumers from abusive tactics to report information on credit reports. XXXX is in violation of numerous consumer law violations such as 15 usc 1681b, c, and G.
Consumer complaint received 2024-01-16
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. (CA)

In accordance with the Fair Credit Reporting Act. The account with XXXX XXXX XXXX XXXX XXXX  account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 16811 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 16815-2 ( 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 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (DC)

I hold a Barclays XXXX XXXX AAdvantage XXXX. Recently, I switched cell phone providers and thus got a new phone number. I went into my profile for the Barclays card intending to update my phone number so that I could continue to receive any notifications as necessary. I was then immediately totally and completely locked out of my account for trying to update my cell number. I was told that I needed to fax XXXX documents including my drivers license and social security card to them in order to unlock it. I did so, but am encountering endless issues, including that the scan of the license was " too blurry '' which it was not, and the document containing my SSN not being filed despite the other documents sent in the same fax being so. At this point I'm concerned about missing payments due to being unable to access my account and having an unfair knock on my credit score. The customer service agents have told me they require these documents due to " banking regulations '' but I was able to update my number in my profile with XXXX and XXXX XXXX cards with no issue.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

The company known as CHEX SYSTEMS, INC. is currently reporting inaccurate information onto my consumer credit file at the agency. This information is being reported as a result of identity theft. I have never given consent nor authorization for these institutions to access my consumer credit file at CHEX SYSTEMS , INC. The information that is currently reporting to this credit reporting agency is unauthorized and a result of identity theft. I have listed the companies on the attached Notice and FTC Identity theft Affidavit, including the online filed FTC ID theft report. Although it is NOT required I have also filed a XXXX  police report which is attached as well. NOTE that there is no requirement for any " police report '' besides the FTC Identity theft report and that any attempt to " stall '' your duties with the excuse of not receiving a " police report '' will be considered noncompliance with Federal Law and the Fair Credit Reporting Act 15 USC 1681c-2 ( a ). I have only submitted this CFPB report which CHEX SYSTEMS, INC. will received on the date of 8.3.24. Pursuant to Federal statues 15 USC 1681c-2 ( a ) I overstand that the credit reporting agency is to immediately Block and remove this information within 4 business days of receipt by the agency. I am severely distraught that my personal information has been used in an unauthorized manner and am actively taking every measure to get to the bottom of it. Once again no consent was given by me to any of these companies/institutions to run credit, conduct an inquiry or any other action in regards to CHEX SYSTEMS , INC.
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (CA)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts 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 According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

I demand the late payments to be removed off of these accounts from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the removal of the incorrect information ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Inflection.com, Inc. (NC)

Inflection Risk Solutions inaccurately reported to XXXX I had a finally disposed case- when in fact the case is still pending because of a writ of habeas corpus for actual innocence. This inaccurate information is causing me great harm - and Inflection Risk Solutions must report accurately that there is a writ of habeas corpus, and the case is not finally adversely disposed. I have dutifully attached the relevant documents proving this case still has a writ of habeas corpus and the documents outline all this in my favour.
Consumer complaint received 2024-01-16
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. (WI)

I've recently disputed account # XXXX XXXX XXXX. I've recently mailed my identity theft report and my police report to all three credit bureaus. XXXX, XXXX and TransUnion. They have the documentation to support that this account is fraudulent and needs to be removed immediately. I will be uploading those same documents to this platform.
Consumer complaint received 2024-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Please remove these inquiries.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
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
Consumer complaint received 2024-05-28
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: Army and Air Force Exchange Service (FL)

Around XX/XX/year> I saw an ad for Military Star advertising " save 10 % today ''. 
I could use that at XXXX which was linked to XXXX XXXX. The advantage of using XXXX XXXX XXXX is free shipping and no tax. The advantage of getting the Military Star Credit Card was the offer for " Save 10 % today '. I had to unlock my credit. I did this with all 3 agencies. I applied and was immediately approved, but not allowed to charge anything that day. I called Military Star Credit Card Company and was told it would take 7-10 days to get the card. I needed the appliances ASAP so I was forced to use another credit card for my purchase. When I got the Military Star card I called XXXX XXXX XXXX and asked if I could change the payment method for the credit card I used to my Military Star card and was told no. 
I have sent an email to Military Star describing my complaint with no satisfaction. 
I spent {$2100.00} on a refrigerator and dishwasher which is already delivered. 
I would have gotten a {$210.00} credit for my purchase with Military Star if I was allowed to use the card that day.

It was false advertising and nothing less.
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Collection Account/ Account number XXXX Dear Sir/Madam, I am writing to formally dispute the collection account referenced above. I recently obtained a copy of my credit report and noticed that this account is being reported inaccurately. 
I am unaware of this debt I didnt have an opportunity to dispute this information. If you believe you gave me proper notification, then please send me the certified mail receipt with my name on it and my signature proving that I received it. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt you claim I owe. I do not just want validation, I want verification as well. 
Additionally, I request that you cease all communication with me regarding this matter until it has been properly validated. Please note that any future communication should be conducted in writing. 
I also request that you notify the credit bureaus of this dispute and ensure that they mark the account as disputed on my credit reports. 
If you can not validate the debt, please remove it from my credit report and inform me of the action taken. Please respond to my request within 30 days from the date of this letter. Failure to comply with this request will result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.
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: IDAHO CENTRAL CREDIT UNION (CO)

Idaho Central Credit Union explained over the phone that they would take action to contact the credit bureaus and remove the late payment on my account that was never late. I was never made aware that the account was late and requested that the report was changed. Over the phone, ICCU agreed to remove it, but still has not. This has been an ongoing issue since XX/XX/2023 ( six months ). 

Payment amount : $ XXXX/mo Payment never late. Was not made aware of late payment, as it is set up as an auto pay and did not process a payment. I was never contacted about the issue.
Consumer complaint received 2023-12-06
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. (FL)

In accordance with the fair credit reporting act, XXXX, Equifax and XXXX have violated my rights by reporting these following accounts publicly without my consent. 

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 USC 1681 section 604a states that I have the right to privacy. My consumer report is not public information and it should not be treated as such. Anything XXXX dont want on my consumer report should not be on my consumer report. 

USC 1681 section 604a section 2 state that a consumer reporting agency can not furnish an account without my written instructions. 

Equifax, XXXX and Experians illegal reporting of my consumer report has made it difficult for me to obtain credit. 

I need XXXX, XXXX and Equifax to show me proof that I have signed a written agreement with them in which I give them my permission to report and publish my consumer report as public information. When they failed to provide the signed agreement I need all these accounts deleted from my consumer report within 30 days of this complaint.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (FL)

I believe the account is invalid. Kikoff Lending LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. KIKOFF LEND XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (OH)

I checked my credit today and found a derogatory collection on my XXXX  account showing a balance owed of {$160.00}. 

I called the collection agency about the alleged debt which they did not provide.

Stating they have no information that matches me to the debt.
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (IL)

Edfinancial is my XXXX XXXX servicer. Asked for Covid pause refund for payments made during the pause. This was in XXXX. The request was processed in XXXX. That means the money was put back on my balance and starting accruing interest. I still have not received the refund 5+ months after requesting. 

When I call them they dont answer for hours. Or put me on a list to call back which they sometimes do. But when they do call they dont know anything about where the money is or why they are ILLEGALLY charging me interest on the money I never got back. They say its a fed student aid issue and they cant track the payment, nor do they have any idea when Ill receive it. Over $ XXXX they have no idea. Now if Im late on making payments for money I owe them, they will make my XXXX XXXXXXXX.Sounds about right. 
I find it hard to believe that the Fed can issue Covid Stimulus checks to hundreds of millions of people in a matter of weeks, but federal student loan REFUNDS take an indefinite amount of time and nobody can track the payment after processing. Makes me a little concerned anything is being handled correctly in regards to my account.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (CA)

XXXX XXXX XXXX  ( XXXX XXXX ) claims I owe for damages to a rented apartment that they have failed to prove or gain a judgment for. I have been reported to multiple credit agencies by Innovative Recovery ( IR ). I contacted IR to discuss the debt and IR indicated it did not own the debt, nor had the debt been assigned to it, IR was only a servicing agency. I communicated with XXXX XXXX regarding the alleged debt and they indicated that the debt had been assigned to IR. 

I do not know who owns the alleged debt nor who I can discuss settlement with. IR continues to assert to credit agencies that the debt is outstanding causing me significant financial damage.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (NJ)

I have attached last 3 months of my credit card statements. you can see that even after paying more than the minimum plus covering the purchases i am still being charged interest. note the XXXX XXXX and XXXX $ payments that i made.
Consumer complaint received 2023-10-20
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. (FL)

Equifax, Please see below and attached - there are 3 unauthorized hard credit inquiries on my account due to fraud that need to be removed. 

Per my conversation with XXXX here is what this person said to do- and I did - these are my notes of the call : Spoke to XXXX  at Equifax on XX/XX/2023 at XXXXXXXX XXXX PST He said the reason they arent removing it was for the same reason XXXX gave me on Wednesday. There is an error in the FTC report. Since you can not file a new report they are saying I have to edit the report and resubmit it in the way of a dispute on one of the inquires. 

The error : On the FTC report it says that there was an unauthorized attempt to open a credit card. They say that that part needs to be blank with no company name. It just needs to state the inquires are fraudulent and need to be removed. You can include all 3 inquires in the report. And you to upload the edited FTC report as a dispute on one of the hard inquiries we want removed. 

XXXX  submitted a complaint to the special handling team to over ride the error on the FTC report considering the FTC report still states the inquires are fraudulent and the fact that I have submitted all the necessary documents. He requested the inquires to be removed. Confirmation number for the complaint filed today is : Confirmation : XXXX He said if they arent off in 3 days to call back but he highly recommends trying to do what they ask and edit the FTC report and resubmit it as a dispute on one of the hard inquiries we want removed. 

There are notes in my file about the error in the FTC report so now everyone I talk to is quoting the error.