davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

I attempted to both obtain my annual credit report and to freeze my credit file with Experian. I went to the credit bureau website experian.com and followed the prompts to request a credit report. The prompts lead me to creating an account and then confirming the account. I entered my infiltration as requested. However the website either displays an error or displays the following : " We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. Call us toll-free at XXXX '' or " Experian is committed to protecting your personal information. We utilize a thorough identity verification system because your security is important to us. Unfortunately, we have not been able to properly identify you from the information you provided. Please note that your order has been canceled.Call us toll-free at XXXX '' I called numerous times trying to accomplish the same through experian 's phone system or to reach to customer support. The system could not provide any meaningful information and live customer support is not reachable. 

Consequently, I am unable to create an online account and I am unable to obtain a credit report or to freeze or unfreeze my credit file through experian. 

I was able to verify my identity and complete all these tasks from the other 2 credit bureaus easily. 

My complaints are 3-fold : 1 ) liability to reasonably quickly freeze/unfreeze credit file electronically or by phone 2 ) inability to view my credit score 3 ) lack of reasonable consumer support
Consumer complaint received 2024-10-09
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. (PA)

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 reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$550.00}, XXXXXXXX XXXX  XXXX Balance Owed : {$19000.00}.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (GA)

I am writing to dispute present/previous account status/ payment history profile/ payment rating. The Account information stated above has been ILLEGALY FURNISHED onto my consumer report ; Removal of this furnished information from my consumer report must happen IMMEDIATELY. Person American Express has violated numerous FEDERAL U.S. CODES stated below. 
XX/XX/2024, American Express Company illegally furnished information onto my consumer report without my written consent. 

XXXX XXXX, A dispute letter was sent and addressed to American Express Company the claims went with Identity theft notifying them that the debt was not my debt ( {$8000.00} ). 

XXXX XXXX American Express Company sent a Letter that I could only take as misleading and false information. American Express Company said that they could not verify me within their system with the 2 forms of ID that was sent to them. ( this means that i am not in their system ) American Express Company then goes to say they would like to handle the matter for me btu they need a Generated ID number that would come if you had an account of credit with them. I DO NOT. the 2 forms of ID I sent were Driver License also Social Security Number. If I couldn't be verified in their system with those two forms of ID, then i am not a consumer of credit from American Express
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2023-03-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Green Square Company LLC. (CA)

The XXXX law firm is attempting to get money from me for a false claim of unpaid debt with a medical provider, reference # XXXX from their XXXX files. I was initially contacted by XXXX XXXX XXXX XXXX ( XXXX ) XXXX, who attempted to confirm my address and advised the XXXX XXXX, a law firm, was attempting to serve me. 

I contacted XXXX @ ( XXXX ) XXXX XXXX and was advised I had a balance in collections from and unpaid ~ {$5000.00} for a " XXXX XXXX XXXX '' on a XXXX XXXX  2019 medical bill, referred to " XXXX, '' from the original collector. 

The contact person with XXXX is " XXXX, '' email XXXX, XXXX XXXXXXXX. 

I was given the phone # ( XXXX ) XXXX for XXXX XXXX. XXXX XXXX was not my provider in 2019 as they claimed. I have contacted them as well as my current medical insurer, and the surgeon from whom I receive 2019 services and all claimed that this was a false billing, that my accounts were all settled. This appears to be a scam.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I traveled to XXXX in XX/XX/year> and returned in XXXX. I used my USAA Credit Card to purchase an upgraded seat on my return flight on XXXX XXXX. The seat I paid for was broken, uncomfortable, and would not recline for a XXXX flight. I attempted to resolve this with XXXX XXXX and they would not issue a refund. I disputed the charge with USAA and they closed my complaint without contacting me. I was then told to write a letter describing what happened and they would re-open my dispute. The dispute was never re-opened and all I got was a notice saying the letter wasn't good enough without them ever advising what else they needed or giving me time to provide anything before just dismissing my dispute.
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On the XXXX of XXXX, Wells Fargo informed me they are closing my account due to excessive claims. I have been with them for over 10 years. My account was compromised in XXXX so all of the claims werent mine. This put me at a hardship because my check was supposed to be deposited this week and they put a block on it. I have bills to pay and today where virtually everything is online this put hardships on me. I may not receive my check or it may be delayed longer than it should have. I filed maybe 3 claims this year myself. Thats not excessive. A couple of their bankers were very rude to me. That was unnecessary. All of their bankers werent rude. I dont want my account to close because it would make my life very hard. They also put me in the XXXXXXXX XXXX making it hard for me to get an account. My account isnt even negative. I wasnt even given a warning.
Consumer complaint received 2024-04-19
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. (MO)

Despite multiple attempts to address this issue, the fraudulent entries persist, posing a significant threat to my financial well-being and reputation. 

I am reaching out for the sixth time to request your urgent attention to this matter. It is imperative that these fraudulent items are promptly removed from my credit report to ensure the accuracy and integrity of my credit history. 

I kindly request an update on the status of my requests and urge you to prioritize the removal of these fraudulent items without further delay. Your prompt action is essential in resolving this issue and restoring confidence in the accuracy of my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX DATE XX/XX/2024 Chex Systems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX XXXX CHEXSYSTEM RE : XXXX To whom it may concern, I, XXXX XXXX, never gave ( CHEXSYSTEM, or XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports 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 instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXXXXXX, Checking Acct # XXXX XXXX XXXX XXXXXXXX, Checking Acct # XXXX XXXX XXXX XXXX, Checking Acct # XXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-03-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (TN)

Diversified Adjustment Service is the company that put a collections on my credit report. They are the collection company for XXXX. I do not owe XXXX anything. I can not put a complaint in with CFPB because XXXX is not in your system. The complaints go directly to FTC it is a game and a rip off. XXXX should not be able to put something on your credit that is not owed to them. This is a lie this is fraud this is destroying my credit
Consumer complaint received 2024-02-28
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. (CA)

Trans Union has the following item on my credit report and it is not mine. I have had my information stolen and someone has opened merchant cash advances for company that I am not associated. I have brought this to XXXX XXXX XXXX XXXX XXXX over and they refuse to remove it and continuously tell me that the item has been verified as accurate and its not. 

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2024-02-28
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. (CA)

Trans Union credit report will not remove an item in collections on my credit report. I have requested many times that they verify the information that is not mine and it continuously comes back as verified. I have reported and put a freeze on my credit credit and identity theft but they do not seem to care. 

I requested multiple times that this removed even provided them copies of police reports and they still do not take it off This is for merchant, XXXX XXXX for a company in which I am not associated
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION (FL)

I opened a new Credit Card Account with Navy Federal in XXXX. It was my understanding from the promotional offer that I would have an interest-free period for the first 15 months. Around XX/XX/year>, I made a large purchase on my card with the understanding I would have time to pay it off without incurring additional charges. Much to my surprise, when the next bill generated, I was being charged interest. I contacted Navy Federal regarding this concern. I was advised at that time that the interest-free option was only for balance transfers and not for purchases. This was not clear with the advertising when I opened the account.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I was checking my most up to date credit report, and noticed some fraudulent accounts are still present. I sent out a letter to all 3 major credit bureaus, Experian, XXXX, and XXXX, demanding that these accounts be removed. All 3 credit bureaus received said letter on XX/XX/2023. On my XXXX XXXX account, XXXX and XXXX removed the fraudulent accounts. However, I noticed that the XXXX and XXXX portion on my Experian account is still shown. As stated in the letter sent, section 609 ( a ) ( 1 ) ( A ) of the fair reporting Act clearly states, " that ALL credit bureaus are required by federal law to verify, through the physical verification of the original consumer contract, ALL accounts that you post on a credit report. '' It has been over 30 days since Experian received said letter, and those fraudulent accounts have NOT been removed. Nor have they attempted to reach out to me. Experian removed them, but again, NOT from the XXXX and XXXX side of my Experian account.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/year> my wife XXXX and i attended a wyndham resorts timeshre info meeting. At that time we were told such innacurate information that we were led to believe purchasing a wyndham express club membership was a good fit for us. They did not lie outright, but they piece together information for various contract types which when put together is certainly a lie. We recieved a wyndham rewards credit card which we expressly DECLINED our consent for multiple times throughout the process. The box is unchecked on our purchase agreement for the credit card and we were given no information about a card. We are in the process of financing a medical expense and now this wyndham card has hurt my credit due to me closing immediately upon my knowledge of it being opened. I am reporting this fraudulent and unlawful activity for a credit card being opened without our consent and for the poor business acumen wyndham timeshare has in their sales techniques. We were given totally incorrect verbal information and the contract did not include the thousands of dollars of fees wyndham has. We requested a recission of our contract on XX/XX/XXXX within the lawful 10 day recission period TN has. We were told on XX/XX/year> by a wyndham call center employee in the finance office that our recission email was received and they were required to wait 30 days before processing it. Once processed our account at XXXX XXXX  would be paid by wyndham and closed, the remaining balance would be gone. And i specifically requested all 3rd party memberships and contact be closed and no longer.
Consumer complaint received 2023-12-18
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)

Since XX/XX/XXXX, I've been trying to apply for apartments, and loans and getting denied. Unsure why, I went to check my credit reports from all three credit bureaus. XXXX said that my score was XXXX when it was really XXXX, XXXX claimed that my credit was 'young ' even though my oldest student dated from XXXX, and Experian showed my name and old addresses and a social security number that isn't mine.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (VA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (IL)

On XX/XX/2023, I made my final and last contractually obligated car payment of {$820.00} to Chrysler Capital. This payment effectively zeroed out my account. This last payment was reflected by their record and my account during the month of XXXX. Some weeks later, Chrysler, however claimed that I had an outstanding balance of {$300.00}. I challenged this {$300.00} for three months and ask that they send me evidence of this {$300.00} relating to the underlying note payment. It was not there. I asserted that this XXXX XXXX {$300.00} fee was nothing more than an unjustified JUNK FEE with no contractual basis. They promised to investigate which dragged on for three months until they decided to settle the amount in dispute at least I thought erroneously to my favor. I later learned from my credit report that they settled, the account, however, with a JUNK FEE of XXXX XXXX XXXX  fee being reported as 30 days LATE which has no contractual obligation. This is the type of fee that is impermissible to be reported on a consumer 's report. This {$300.00} fee was trying to be extorted from me. When they realized that I was unwilling to pay, they reported in it retaliation as an illegitimate late fee which damaged by personal credit rating. My scores fell from XXXX to XXXX. This injurious damage will remain on my report for the next three years. It is equivalent in terms of DAMAGE to a JUDGEMENT, BANKRUPTCY, TAX LIEN. My credit has been stellar for the last ten years at XXXX plus. I am appealing for an update and correction for this violation of 15 USC 1681, Section 1681 of the FCRA, Please force CHRSYLER to UPDATE and CORRECT for their Violation post haste.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp. (TX)

On or around XX/XX/XXXX. 2023 I was served with a summons for court. Before being served I was not provided proper time to verify that I owed the debt. I was required to submit a response to the court and I did around 5 days after I was served. In my response, I requested that XXXX Resolutions provide me with the original documents validating that it was me who owed the debt. Absolute Resolutions did not provide me with these documents but was allowed to continue with the suit. On the day of court ( XX/XX/2023 ) an attorney for Absolute Resolutions appeared in court and the judge asked me if I agreed with the debt I responded by saying I could not confirm nor deny as I had not gotten proper verification of the debt. The judge then ruled that he was granted a judgment against me. Not knowing my rights at the time and that the statute of limitations had expired I did not know what to do. My complaint is that I was sued by a company did refused to provide me with proper verification and they were awarded a judgment.