davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (OH)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (CA)

Apple had an offer of {$25.00} cash back for each new family member added as a participant to Apple Card. On XX/XX/XXXX, my father added me as a participant on his Apple Card. According to this promotion, the cash back of {$25.00} should have been transferred to my Apple XXXX Card seven days after making a purchase of {$25.00} or more. I spent more than the {$25.00} required and still have not received this cash back. On XX/XX/XXXX, my father contacted Apple and the call was transferred to a Goldman Sachs representative who confirmed that we did everything correctly and that they would look into this matter and respond by 10 days. On XX/XX/XXXX, we were informed by Apple via email that Goldman Sachs received the inquiry we made on XX/XX/XXXX, adding that Apple is taking this concern seriously. The email stated : Your Rewards Inquiry has been forwarded to the appropriate department for investigation. Rewards Inquiry are typically resolved within two complete billing cycles, but no later than 90 days after receipt. We may contact you if additional information is needed. If we do not need additional information, you'll receive a notification when our investigation is completed. I feel that we are given the runaround and it is taking too long to resolve. Hopefully this promotion was not a false/misleading advertisement.
Consumer complaint received 2024-03-28
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. (GA)

This is my numerous 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, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/year>
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carvana Group, LLC (CA)

XXXX refused to provide a paper form of invoice/bill after numerous request by phone requesting this method of debt invoice. Was never given any notice before repossessing my car nor was I provided any information on my options ways to catch up or settle my delinquent balance.
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (CA)

Around XX/XX/2024 I received two letters from Credit-Control and/or XXXX about two alleged Collection accounts. On XX/XX/2024 I requested Validation, disputed it, and Asked for Purchase agreement between Credit-Control and XXXX XXXX XXXX On XX/XX/2024 they responded " Thank you for contacting us and sharing your concern. To assist, we will request verification of this debt from our client. Credit Control or our client will mail the validation to the current address we have on file. Collection activity on your account has been placed on hold and will only continue after verification has been sent to you. '' Around XX/XX/2024 no correspondence or email had been received from this alleged collection agency and collection activity had been reported to all 4 credit bureaus. A direct violating of all Collection Law. See Attachment.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (KY)

I filed a complaint and closed the account because they never credited {$200.00} they promised for purchasing an airplane ticket. After I filed the complaint they credited the account the {$200.00} and with the annual fee they credited gave the account a total credit of {$78.00}. I have asked that the cash be sent to me and get no responce.
Consumer complaint received 2024-03-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (MI)

Request of validation for XXXX, XXXX, XXXX, and XXXX sent on XX/XX/2023 via certified mail. Received by collection agency on XX/XX/2023. No response. 

Request of full validation ( only partial was sent originally ) for XXXX sent via certified mail on XX/XX/2023. Received by collection agency on XX/XX/2023. No response. 

Request of full validation as the collection information they sent had multiple address and name discrepancies for XXXX, XXXX, and XXXX sent via certified mail on XX/XX/2023. Received by collection agency on XX/XX/2023. No response.
Consumer complaint received 2024-01-27
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. (MD)

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 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: Experian Information Solutions Inc. (GA)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2024-03-28
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. (CA)

I am writing to address the inaccuracies regarding the bankruptcy being reported on my credit file. The case that you have marked as valid and accurate is, in fact, incorrect. There has been no case brought to trial or adjudicated upon. There is no record of any judgment associated with this matter. Without a judgment, it is evident that no case existed. There was never a judicial review of this matter, so the reporting of such is erroneous. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
I urge you to promptly remove this account from my credit file. Failure to do so, without proper verification of the information, will necessitate legal action. I have already consulted with my attorney regarding this issue, and if the misinformation is not rectified within 30 days of this correspondence, legal proceedings will be initiated.
Consumer complaint received 2023-08-30
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. (MD)

This is my 19th endeavor 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, block 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 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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome to me.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-08-30
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$25000.00}.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (NJ)

Experian is in direct violation of the FCRA and Gramm Leach Bliley Act. Failing to answer my dispute in timely manner. as well as Reporting unverified and innacurate information on my credit report. Please refer to the documents attached
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: Experian Information Solutions Inc. (MD)

I have notice many inaccurate untrue and false misrepresentations on my credit report I have sent request for XXXX, XXXX, and Experian. However I have gotten XXXX responses.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (TX)

I got behind on my Indigo card account due to my husband 's illness and subsequent death. Was trying to pay off card, but couldn't. Indigo made me an offer of {$450.00} to pay off and close account. I accepted their offer and they accepted my payment of {$450.00} in XXXX, XXXX. Every thirty-forty days since, I have been receiving collection calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance on the card. In XXXX, XXXX, when the first collection call came in, I told them the card was paid off and the account was closed. " Oh, yes mam, we see that the account has been closed and there is no payment necessary. '' XX/XX/XXXX : another collections call, you still owe XXXX {$280.00} past due balance. No, the acct is closed and paid off. They continued to argue with me. The same conversation takes place about every XXXX days, XX/XX/XXXX, same conversation, XX/XX/XXXX, same conversation, XX/XX/XXXX, same conversation, XX/XX/XXXX, same conversation, and today XXXX, same conversation. I want this harrassment to STOP! I paid their price quoted me, they assured me the account was closed. Every month that this happens, they assure me " after checking your account '' that it is closed and there will be no more calls, yet, every month, I am STILL getting these collection calls.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NY)

This is related to earlier complaint I have sent to Wells Fargo. CFPB reference number XXXX. The original complaint is regarding a {$500.00} new account opening deposit which the company said they refunded back to me. But it has never been refunded back to me. I asked Wells Fargo representative, XXXX XXXX ( XXXX ) XXXX, to produce a reference number that represents the refunded transaction. XXXX XXXX, the Wells Fargo representative simply said there is no such reference number. Without this reference number, I am not able inquire with my original Bank, XXXX XXXX, on the refunded amount. The fact that there is no reference number makes no sense to me. There has to be some XXXX reference number traceable. Please reopen this case so that I can get my {$500.00} back. It has been almost 2 months since this amount has been not returned back to me.
Consumer complaint received 2024-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In XXXX of XXXX I opened a credit card account with XXXX XXXX XXXX XXXX XXXX ( XXXX ). This card appeared on my credit report continuously until approximately XXXX of XXXX. In the spring of XXXX there was a data breach at my employer, XXXX XXXXXXXX XXXX which is affiliated with but separate from the credit union. My information was leaked in the data breach so I placed an extended fraud alert on my credit report, which should not have removed any legitimate accounts from my report and should only have required that I be contacted to verify any new accounts. Despite this, all three credit bureaus incorrectly removed the XXXX credit card from my report. I have called and written to all three credit bureaus several time providing information that the account is legitimate, as have representatives from XXXX on my behalf, but all three refuse to even respond with anything but an automated letter that does not address the issue. At this point the credit bureaus are knowingly misrepresenting my credit history and have more than enough proof that the missing account is legitimate.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MN)

The Fair Credit Reporting Act 15 USC 1681 section 602 highlights the importance of consumer reporting agencies exercising their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent, as stated in 15 USC 6801. 

I am writing to express my concern about XXXX and XXXX, which are consumer reporting agencies that have been sharing my private information without my written consent. According to 15 USC 1681 section 604 a section 2, consumer reporting agencies can only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. As I have not given my written consent XXXX and XXXX do not have the right to furnish my private information. 

Furthermore, the financial institution that has been furnishing my information to credit agencies has not informed me of my right to exercise my nondisclosure option, which is a violation of 15 USC 6802 ( b ) ( c ). Additionally, 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information without authorization under subsection ( b ), which I have not provided. 

XXXX and XXXX are not maintaining reasonable procedures to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, as required by 15 U.S. Code 1681e. Therefore, I am exercising my right to opt out of their reporting services, as stated in 12 CFR 1016.7.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Steel River Systems, LLC (NV)

Suddenly out of the blue I get an email from Steel River Systems for a XXXX XXXX XXXX in XXXX Florida which I have never even visited. They send me an email where I must take a link to find their reference number, but I don't take links on emails from what I consider Spam. I called them up to try to straighten it out but they want information like my social security number which I would not give them. Apparently they just send out emails to any XXXX XXXX they can find, they certainly did not think I would use a Florida credit union when I live in XXXX XXXX and have for 13 years. Basically they are telling me they can not resolve it without me giving them confidential data, which I find absurd. I tried my best to help them on the phone for over and hour but they just kept insisting I give them confidential data.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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