davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
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. (VA)

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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (GA)

I have submitted multiple complaints against XXXX XXXX XXXX and on XX/XX/XXXX I submitted all the documents requested to do a investigation and it has been over XXXX and I have received no response back from Security Credit Services XXXX the outcome of the investigation. I need to know how long does a investigation take after providing the documents its been over XXXX months since uploading the requested documents and no response have been provided on the outcome and XXXX XXXX continues to show a debt under my name that is not mine. I am requesting a time line of when this investigation will be over I need an explanation on how long the investigation process takes and when it will be over all companies who have investigations have a time frame and you have provided no information after Ive complied to your request. This needs to be removed from my name immediately. 

Please note that my debt is not with XXXX it is with Security Credit Services. My attorney states that you would be the XXXX investigating the process we have nothing to due with Penfed and the debt YOU PURCHASED SO PLEASE PROVIDE YOUR RESPONSE SINCE YOU ARE THE CURRENT DEBT HOLDER BY LAW. 

We now have 6 months worth of evidence of how Security Services is illegally holding a debt in my name my attorney is leading through this process and each time you deviate by not addressing the issue after I have provided the steps requested and each lie will have a fine associated by courts. 

The previous response from Security Credit Services company responded Status CompanXXXX responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response We have submitted your information to XXXX  to do a thorough investigation of your fraud claim. Unfortunately, they have not come back with a solution as of yet. Therefore, your account is currently placed on hold until further notice. Thanks.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. ()

XXXX : Payment confirmation received by email XXXX : Notification received that payment was returned unpaid and a payment methot replacement was needed XXXX : Account was closed XXXX : Notification sent through a letter stating that account as closed because one or more late or returned payment occurred in he last six months. THIS IS NOT correct. 

This payment was returned because I was out of the country XXXX and XX/XX/XXXX and the bank suspected fraud, then I authorized the payment, but Citibank didn't wait a day and cancelled the account. 

I had only one other time that a payment replacement was needed that was in XX/XX/XXXX, more than 6 months ago. 

All my payments were always done at time, never late. I just these past weeks prior to have them closing the account, I sent 3 payments as below : XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$500.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$500.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$500.00} I had the right a significant cashback total of {$450.00} Costco credit card reward certificate that it was planned to be received in XXXX, however since Citiback closed the account, the certificate also is cancelled and not sent. This per my perspective looks not acting in good faith at all. Super convenient having the account being close few days before certificate is provided. 

I requested the account to be reopen and it was denied. Clarification not provided yet ( will be in a letter hat will be shipped 7-10 days ). 

I am summary, the reason stated for my account being closed do not proceed, also account was closed after no additional notification, I only received one email saying that a payment replacement was needed which I did, but 2 days after I was notified that account was closed, and at last all the money I spent that I would have the right of the cashback it was cancelled linked with the account.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX my credit score was XXXX. In XXXX of XXXX, I called Social Security and requested that my income be transferred to XXXX XXXX XXXX. 

The woman who took my banking information transposed one digit of the bank 's routing number. As a result, my monthly income was not deposited on time. Every month I paid off my XXXX in full. XX/XX/XXXX, I wasn't able to do that because of the SSA representative 's error. So, I paid the minimum. XX/XX/XXXX ; I paid the minimum on the XXXX. 

XXXX XXXX XXXX asked if I wanted an increased amount on my XXXX and I said, " yes. '' I also applied for a XXXX XXXX credit card. I had one several years ago and was pleased with the company 's customer service. 

Both XXXX  XXXX XXXX and XXXX XXXX ran my credit which lowered my score by a few points. 

My score in XXXX of XXXX was XXXX. 

Transunion ruined my credit rating when they lowered my score to XXXX on XX/XX/XXXX. I've read about the lawsuits that were filed against this company. I'm considering filing a lawsuit against them too. 

Transunion does not have my correct name. I am XXXX XXXX. Years ago I was married to XXXX XXXX. He's dead. I am legally " XXXX XXXX '' and have the paperwork to prove it. I went to court in XXXX of XXXX and was granted a name change.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account Name : XXXX XXXX XXXX  Account XXXX This account is an identity theft and was opened without my authorization. 

Please deleted this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 
Section 1681i Obligations of credit reporting agencies : Dispute Investigation : When a consumer disputes the accuracy of the information contained in his or her credit report, this section establishes the credit reporting agencies ' obligation to conduct a full and fair investigation or reinvestigation. 

Notification or removal of incorrect information : If during the investigation it is found that the information is inaccurate or can not be verified, the agency must correct or remove the incorrect information in the credit report.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CA)

My Social security income is sent via Direct express every XXXX of the month. I tried to withdraw funds on XX/XX/XXXX XXXX but the ATM showed " Invalid card " I tried to call Direct express multiple times at different times but unable to speak to anyone. I also emailed but no reply. I verified with social security, and they confirmed funds were sent to Direct express on XXXX XXXX. My Debit card all of the sudden is not working/invalid. I am desperate for help because my wife, XXXX, also lost her XXXX funds last month XX/XX/year> ( complaint to CFPB filed today ). We have not found resolution yet for my wife 's case and now, I can not draw my own funds. I am old man XXXX XXXX XXXX, and I need the funds very badly or I will be evicted. I also need money to buy some XXXX not covered by insurance. 
I don't know how else to reach out to Direct express to talk to someone for assistance. We are calling multiple times, not sleeping just to call but no one answers.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-11
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. (AL)

I am requesting that review my credit profile and identify any inaccuracies in the listed accounts. I understand that complete compliant reporting is mandatory, and any disputed allegations associated with a non-compliant account are not compliant if not proven to be true, correct, complete, timely, or mine. I request that remove any challenged or disputed misinformation immediately by fully deleting each instance, including any aspects of the unproven reported chicanery. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I do not authorize the bureau to report non-compliant information and you must comply. 

I am now enacting my consumer and civil rights to demand that Equifax remove any non-compliant information through full and permanent deletion or provide adequate testimony to document your compliance with XXXX XXXX data formatted reporting regulation standards. Failure to remedy this will lead to my rightful civil actions to seek monetary resolution via a court in my jurisdiction. 

Please provide information on how you have verified these items, along with physical proof of verification. No entity may include adverse information that lacks physically verified validity of truth, accuracy, completeness, and compliance to XXXX XXXX standards. I appreciate your attention and cooperation in bringing my credit report into 100 % complete compliance.
Consumer complaint received 2024-06-12
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: EQUIFAX, INC. (AL)

I've been a victim of identity theft due to the Equifax data breach, and I never authorized them. 
XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$9600.00} XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$0.00} DP OF EDUC XXXX Balance Owed : {$2300.00} DP OF EDUC XXXX Balance Owed : {$1800.00} DP OF EDUC XXXX Balance Owed : {$2100.00} DP OF EDUC XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-11
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. (NY)

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-12
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. (MS)

15 USC 1681 Section 602 States I havethe right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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. (MA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 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.

This same account is also reporting inaccurate information. Both credit agencies are reporting different account opening dates. Different months in which the account was paid. There is a discrepancy in the account status between one agency and the other. This violates my rights and this is inaccurate information. Also, my husband 's report for the same account has totally different information.

According to the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ), furnishers of information have a duty to provide accurate information :
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (MI)

XX/XX/XXXX ; Amount of {$310.00} to XXXX XXXX was frauduantly debited to my Key Bank account.I originally reported the charge on XX/XX/XXXX. I I was given a provisional credit of {$310.00} and was instructed to allow approx 10 days for investigation, but that it could take 90 days. Never received any correspondence either email or regular mail regarding the dispute and /or the reason for the denial. Although I have suspicisouly received all other correspondence as it relates to my checking account. I followed back up with Key Bank on the day it was charged back to my account-XXXX XXXX. Was originally adivised this was for a room reservation, which I didn't have. I confirmed that with the XXXX XXXX directly that they showed no reservation in my name. I carried my debit card for Emergency use only as I have had my card hacked more than a few time with Key Bank. The only response I was given from Customer Service was " conflicting information '' with the specific details. I then asked for a dispute to be reopened which never happened, until I called them a second time to find the status of the dispute ( that was never reopened by Key Bank as requested ). I then spoke with ANOTHER Key Bank Rep regarding the dispute and it was stated a dispute was not opened at this point, but that he would open a new dispute, but that I would be required to send an email to the dispute center which I also did on XX/XX/XXXX ( which to this date has not been responded to either ). This was when I requested to speak with a manager and was FINALLY forwarded to someone in the Executive Office that I was sure was going to have this resolved. On XX/XX/XXXX I received a call from XXXX from that office that advised I would receiving a call within 48 hrs from a caseworker that would be assigned to my case. on XX/XX/XXXX I received a call from XXXX who stated that she was following up with the original caseworker and she would review it and I could expect to hear back from her either that afternoon or no later than the next day XX/XX/XXXX. On XX/XX/XXXX I still had not heard back from her and called the Executive office again and was told she was busy, but she would return my call. I called everyday following and told the same thing-she was busy, but she would call me back. FINALLY, on Friday very late afternoon-she called back and stated she still had no information and the case was still being reviewed and that it could take another 90days to review as it was filed as a new dispute instead of the original dispute which was never resolved. This is reprehensible that a long time customer should have to go through something like this to get their money rightfully refunded and the cyberthief, or whomever took the money from my account just walks away.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the FCRA 15 U.S. code 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This account attached XXXX XXXX XXXX is reporting several inaccuracies which violates my rights as a consumer. 

This account is inaccurately reporting " dates opened '' as XX/XX/XXXX on Transunion, XX/XX/XXXX on XXXX and XXXX. 
This account also is inaccurately reporting " last reported '' as XX/XX/XXXX on Transunion and XXXX but XX/XX/XXXX on XXXX. 
This account is also inaccurately reporting " date of last payment '' as XX/XX/XXXX on Transunion and XXXX but XX/XX/XXXX on XXXX. 

As stated before, these are numerous inaccuracies that violate my consumer rights.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (UT)

I am writing to file a formal complaint against American Express concerning their failure to provide adequate notification regarding the termination of a promotional interest rate period on my credit card account, which unexpectedly led to an interest rate payment. Despite attempting to resolve the issue directly with Amex, I have not received a satisfactory response, nor have I been refunded the amount owed. 

On XX/XX/XXXX, I received a statement from Amex indicating that I had been charged interest fees on my credit card account ( {$100.00} ). To my surprise, there was no prior notification from Amex regarding the conclusion of the promotional interest rate period, which had initially attracted me to their credit card offering. 

I made an attempt to contact Amex through the channels provided, seeking clarification on the sudden accrual of interest charges without any notification, and requesting a refund of the amount owed. However, despite my efforts, I have not received any resolution to my concerns, nor have I been refunded the amount charged. 

Although the card agreement discussed it, there seems to be a lack of transparency and a failure to communicate effectively with consumers. This not only undermines trust but also raises concerns about compliance with consumer protection regulations. As a responsible consumer, I firmly believe that financial institutions have an obligation to provide clear and timely communication regarding the expiration of promotional offer benefits, particularly concerning future interest charges.