davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
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. (TN)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 2024-01-08
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 (MA)

Dear CFPB, On XX/XX/XXXX, I opened American Express Business Platinum card for my business XXXX XXXX According to American Express Terms & Conditions XXXX XXXX XXXX XXXX XXXX, I need to spend {$15000.00} in three months to get XXXX American Express Member Reward ( XXXX XXXX points. I met this spending requirement on XX/XX/XXXX of {$15000.00}. After deducting {$690.00} American Express Member Fee, I actually spent {$15000.00} before/on XX/XX/XXXX. This amount is more than {$15000.00} which is specified by American Express XXXX XXXX XXXX. 

However, American Express stated that I did NOT meet the spending requirement and therefore to NOT offer me the account open Member Reward points of XXXX. I have called and chatted with American Express on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and American Express opened two cases ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ) for the issue. So far, there is no resolution from American Express and they still insisted I did NOT meet the spending requirement even though American Express Card Transaction Activity clearly showed I spent {$15000.00} between XX/XX/XXXX and XX/XX/XXXX. 

I sincerely request CFPB help me resolve the issue. It has been lasted for more than 12 weeks and American Express must offer me the Member Reward points as it is specified when my account was opened. 

Thank you so much for your help. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
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. (AZ)

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy. 
15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account.
Consumer complaint received 2016-01-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (LA)

Reference : XXXX XXXX XXXX Policy # XXXX Last Renewal Date : XXXX/XXXX/XXXX until XXXX/XXXX/XXXX I acquired this institution during XXXX XXXX, for automobile insurance. I never had any issues regarding renewal until calendar year XXXX. XXXX XXXX XXXX canceled my automobile policy for a XXXX XXXX XXXX and XXXX XXXX XXXX. After cancelling the policy I was denied renewal. I contact the company on several occasions. After unsatisfactory consumer service I acquired XXXX XXXX XXXX with the assigned policy number XXXX for a six month policy. XXXX XXXX and XXXX XXXX XXXX location XXXX XXXX XXXX, XXXX, IL and XXXX. XXXX cancelled my policy after one month because XXXX provided false and misleading information. In additional XXXX XXXX XXXX XXXX XXXX XXXX location XXXX XXXX XXXX, XXXX, MA and XXXX, which stated I owed them approximately {$200.00}. Also, this debt was sent to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA. XXXX ; contact number XXXX XXXX XXXX XXXX contacted me by mail on XXXX/XXXX/XXXX to settle this past due account.
Consumer complaint received 2024-04-17
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-04-17
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-04-21
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: LEXISNEXIS (MS)

Lexis Nexis continues to violate my consumer right with fair accurate reporting. They also listed another persons ssn, account numbers and account information, outdated information, information not belonging to me, information pass the statute of limitations and fraudulent accounts. I spoke with a supervisor on several occasions with no resolve from XX/XX/2022 until XX/XX/2022.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I am writing to express my continued concern regarding the outdated bankruptcy that is inaccurately appearing on my credit report. Despite previous disputes and requests for removal, the bankruptcy remains listed on my report, significantly impacting my creditworthiness and financial opportunities.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (NJ)

In regards to my dispute on numerous occasions, the agency is requesting information that I have already provided along with proof of inaccuracy. The credit reporting agencies are assuming that I am not the consumer making the requests.This request is prolonging my ability to move forward.
Consumer complaint received 2023-11-21
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. (CT)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX notified entity XXXX XXXX, On Matters of ACCOUNT # XXXX Ending. That the month of XXXXXXXX XXXX XXXX Reported XXXX XXXX have not happened. 
Due to 15 US 1681s-2 ( a ) ( 1 ) ( F ) reporting information during Covid-19. As well as being affected by 18 U.S.C. 1344. As a victim. No reconsideration of remarks as well as reconciliation of account information.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-17
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)

XXXX XXXX has been breaking the law by unlawfully defaming my credit report by constantly using it to show late payment, and that the account is open on one agency then closed on another! 15 usc 16816 permissible purpose. 15 usc 1681 ( s ) -2 compliance
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax has been reporting inquires to my credit that has not been authorized by myself, someone has illegally obtained my personal information and using to attempt to gain credit these inquires while in the process of doing so are not by me nor authorized They are causing me a financial hardship as they are negatively affecting my credit. the following from Equifax are 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 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NM)

I am trying to get pre approved for a home loan. All my credit is frozen b/c I have be part of multiple breaches ( Equifax, XXXX XXXX, XXXX, that I know of ). 
Yesterday I went to all 3 agencies and lifted the freeze with no apparent errors. I let my loan agent know, and this morning he informed me they are still locked. I executed the same effective window lift for each agency XXXX XXXX XXXX XXXX ). Today is the XXXX. 

If there is a transition period ( e.g. effective in 24 hrs ) they should inform me of that. They did not. 
If the XXXX was not available as an open date, it should not have been offered by their calendar. 
Finally, they all use robots for this service so there is no way to correct the situation or get information. 

This is totally unacceptable for a problem ( amassed financial information ) they caused.
Consumer complaint received 2024-03-08
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) (WI)

I have been having a few phone calls with the credit bureaus. They have tried to help me between disputes and getting my credit report. I am the victim of identity theft. This has been very straining. I have been working with the credit bureaus. I have no idea where to turn for help. I think it needs to be more intense than just what the credit bureaus can do. I have had a credit report security freeze in place for the last three years. For example, Chex Systems and XXXX reports don't match. I do not have any checking accounts at all, but under inquiries viewable only by me, it shows XXXX XXXX, but I have not had a XXXX XXXX account in more than 15 years. Whoever has that old account access and that old XXXX account may be trying to use my identity. I can provide them with all of my previous emails if requested i will work with cfpb and XXXX XXXX and XXXX and XXXX directly i will also work with check systems.
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

1. XXXX, I received money ( XXXX ) PayPal automatically converted this to XXXX which was unusual because I did not ask it to and that my account has a US dollar currency as well. 
So my account now has XXXX 2. XXXX, I paid a XXXX XXXX for a translation service 3. XXXX, I paid another XXXX to same account, XXXX, for tariff in order to expedite the translation service. Before logging out I remember I still USDXXXX something in my balance as reflected after I made the payment. 
4. XXXX When I checked my account, I now only have USDXXXX. I was shocked! Did PAYPAL just charge me more than USDXXXX for those transactions? How was it possible that it was this small when I still have XXXX dollars when last I checked. Did they make late charges? Are there hidden fees? 

5. XXXX, I contacted Paypal and informed them about my concerns. No answers, olny canned responses. XXXX, When I checked the balance, at first I did not notice but then realized the balance changed again, it's now USDXXXX. I found this really suspicious. 
6.XXXX, Finally an answer from their Chat rep but it was vague and did not really address the issue of where the missing USDXXXX is 7. XXXX After this reply the conversation was immediately closed. I was not even given time to rebut this explantion. 
8. XXXX, I tried contacting them again and eplained my concern. I even requested a full account of my transactions and all the fees incurred. 
9. XXXX. I got a reply but again, it was beating around the bush. The chat rep even mentioned that my transaction did not need coversion of currency, then why the heck did you charge me with the fee. And where did the USDXXXX dollars go? 
Paypal refused to disclose any fees they have levied on my transactions and they wont answer how my account is missing between XXXX USD.
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I sent {$500.00} on XX/XX/2023 to my Dad in XXXX XXXX Bank of America Online App to his account on XXXX XXXX. The fund took longer to get there, then I decided to send the money with XXXX XXXX. I then requested to Bank of America to return the fund which they promise will be done, but never happened. 
after many attempt to return the fund, I was told that the bank in XXXX denied to return the fund and I had one choice to give green light to my dad to receive that money, which I did but my dad never received that found. After six months of calling every week these transfer investigators, I was told to go to the Bank to get help. 
I met XXXX XXXX who is AVP Financial Center manager at Bank of America on XXXX XXXX XXXX XXXX, XXXX, TX XXXX, She tried to follow up unsuccessfully. at the end I was told that there is nothing else the bank could do because the other side told them they gave my dad the fund and the was no mistake or error, but they failed to provide the proof i asked for. BANK STATEMENT
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-04-17
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. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.