davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

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 {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX  : {$250.00} ; XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX  : {$16000.00} ; XXXX XXXX XXXX : {$6100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$1500.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$480.00} ; 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 2023-12-22
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: DISCOVER BANK (OH)

The Discover Credit Card is persistently asserting the validity of a charge dated XX/XX/XXXX, despite my having disputed it twice. Remarkably, Discover had previously acknowledged the dispute, providing me with a credit several months ago. In direct contradiction, their latest communication, dated XX/XX/XXXX, states that the transaction is deemed valid, under reference XXXX XXXX XXXX XXXX, with an amount of {$66.00} and dispute number XXXX. 

Despite my credit card being fully paid off as of XX/XX/XXXX, Discover is inexplicably insistent on upholding the contested charge. The resolution date is cited as XX/XX/XXXX, and Discover asserts that a decision has been made in favor of the transaction 's validity. However, given the prior acknowledgment and credit issuance, the persistence of this charge remains confounding. 

It is imperative that Discover rectify this situation promptly, as my account reflects a XXXX balance, and the disputed charge should not be reinstated. I expect clarity on this matter through official communication, whether via mail or secure message at Discover.com. It is essential that this discrepancy be rectified, and I anticipate your prompt attention to this pressing issue.
Consumer complaint received 2018-05-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

For the past 12 months I have sent information to Equifax asking them to VALIDATE XXXX XXXX that has been added to my credit report. The only response I am getting from Equifax is verified.
Consumer complaint received 2024-01-22
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: CITIBANK, N.A. (AR)

I am responding to the dispute email I received from Citi in regards to dispute cases XXXX XXXX XXXX XXXX. I wish to continue disputing these cases because I did not receive the services I purchased. I made 3 purchases with flights on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All three of these items were for tickets from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When I went to the airport the ticket agent stated that the flights were actually originating from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that I purchased on the XXXX The ticket agent said that this happens all the time with XXXX and they have a known issue with their system that causes this to happen frequently. I was informed that the Airline would refund my tickets because I showed up to the airport and this was an error I was unable to resolve. However, weeks later, there was no credit refund to be found. I contacted XXXX XXXX XXXX  and they both pointed fingers at the other merchant stating they can not help because they don't have any liability in this. XXXX said it was XXXX who switched the airline location and XXXX  customer service said it was the XXXXXXXX XXXX 

After I got nowhere with both merchants involved in this, I decided to speak to a lawyer to see what right I have and they told me to get proof of the errors in the system if possible. I recorded the way the system is switching the flight locations and then not showing this change clearly once the ticket is purchased. Once purchased it only shows you the final destination on the app so there was not a clear way for me to understand that the " from '' location was altered in the programming of the app with XXXX and XXXX XXXX. I have proof of these errors and here is the video link I posted on XXXX XXXX XXXX XXXX This shows how it moves from screen to screen and alters the flights ' origin location even when I clearly enter in XXXX XXXX XXXX  in the " FROM '' location. When it brings back the location it shows XXXX - All Airports in XXXX XXXXXXXX. This makes it seem like the location you select on future screens will be XXXXXXXX XXXX because there is no other option available. The search criteria clearly shows no airports in North Carolina but calls XXXX, XXXX XXXX  XXXX. Then after the fact it alters the airport location. If you search for XXXX it returns XXXX - All Airports in XXXX XXXX so later when you see XXXX, you assume its the same one presented to you. 

Again I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service and all three said they could not help with anything and only blamed the other merchants. XXXX XXXX kept hanging up on me. I would call XXXX After I would explain the situation, they would say they are placing me on a brief hold and then would disconnect the call. 

Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please delete XXXX XXXX XXXX XXXX which reported as late on my credit report..It is obvious that the account is unverified, and inaccurate. The account is having false information and should be removed asap
Consumer complaint received 2023-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA SAVINGS BANK- ( XXXX ) : Identity Theft USAA SAVINGS BANK- ( XXXX ) identity Theft I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. 
Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, and, are not entitled to enforce a claim against me. In the event, you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and Federal Trade Commission, and file a police report against you for harassment and invasion of privacy. 
You have 30 days to provide strict proof of contract. In the event, you can not provide strict proof of contract, you must cease and desist all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the State Bar Association and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (CA)

I have an Experian account that I am being blocked from accessing. I have contacted Experian on several occasions to have the log in changed, phone numbers changed, password resets and they have refused to delete the account so I can sign up using different email address. I have also explained that my identity may be used after my passport was stolen in XXXX. Some of my minor child 's info may have also been used and if to prevent it I was signing up with Experian. Before I could pay for the subscription after the free trial, the agent I spoke with cancelled the membership saying that might be why I can't log in. After he did that I was still not able to log into the account. Experian has blocked my access on all credit platforms, including my FICO account which comes with all three bureaus.
Consumer complaint received 2023-08-24
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. (TX)

I am writing to inform the Consumer Financial Protection Bureau ( CFPB ) about a distressing situation involving identity theft and inaccurate information on my consumer credit report. Despite my efforts to address this issue directly with the credit grantors and the three major credit bureaus, I have been unable to secure the removal of the fraudulent and inaccurate items from my credit report. 

As a victim of identity theft, I have diligently followed the appropriate steps to resolve this matter. I have filed a police report, reported the incident to the Federal Trade Commission ( FTC ), and provided all necessary documentation to support my case. However, despite my best efforts, the inaccurate and fraudulent accounts remain on my credit report. 

I have also directly contacted the credit grantors associated with the fraudulent accounts, as well as the three major credit bureaus, in an attempt to dispute and rectify the situation. Unfortunately, despite providing ample evidence and documentation, these inaccuracies persist on my credit report, causing undue distress and potential harm to my financial standing. 


I am committed to upholding the accuracy and integrity of my credit report, and I believe that your intervention will be instrumental in achieving this goal. I appreciate your attention to this serious matter and your dedication to safeguarding consumer rights.
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KP ASSET CONSULTING LLC (OH)

Starting on XX/XX/XXXX and everyday since this company. Says she is with K & P Consulting. Has called my father, mother, my husband 's uncle, and myself making multiple threatening phone calls. About showing up to my home or work. And releasing information to people who are not legally or financially connected to me.
Consumer complaint received 2023-10-31
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: EQUIFAX, INC. (SC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-11-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX BANK XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXXXXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting another complaint regarding several unresolved issues that demand immediate attention. According to FCRA section 605, it is imperative to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MD XXXX XXXX Please note that you have a four-business-day window to remove the reporting of any fraudulent items from my credit file. I do not consent to XXXX or any form of automated verification. Your swift attention to this matter and a response within four business days would be highly appreciated.
Consumer complaint received 2023-08-24
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. (MI)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, its also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 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 2023-12-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (CA)

I REQUESTED A LOAN ABOUT THREE WEEKS AGO, I GOT A LOAN OF XXXX AND MADE A PAYMENT A WEEK LATER XXXX I NOTICED THAT THE AMOUNT KEPT GOING UP SO I CALLED TO TRY AND MAKE A FULL PAYMENT OF THE LOAN TO BE SCHEDULED FOR SATURDAY ( TOMORROW ) and the representative said they cant do that and to call on Monday to have the payment made however it will be more that XXXX that I will need to pay. they never gave me the exact interest rate that I was supposed to pay daily or nothing of that information.. their online system to make payment doesn't work.
Consumer complaint received 2023-05-05
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. (TX)

I am a victim of identity theft, and the accounts below were were opened by whomever stole my identity. I am requesting that the items be blocked to correct my credit report. Enclosed are copies of documents supporting my position. 

I have called and mailed my identity theft reports to XXXX and Transunion via certified several times Each time they have received my identity theft report which includes a police and FTC report, they refuse to remove fraudulent accounts from my credit report credit reports and only send stall letters that have already be sent to me many times in order to avoid correcting my credit reports. 

The account below was not opened by me and needs to be removed permanently from my credit reports : XXXX XXXX XXXX XXXX The identity theft reports were mailed via certified mail to XXXX and Transunion, the delivery date and the tracking numbers are below : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-22
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: GOLDMAN SACHS BANK USA (SC)

To Whom It May Concern, I have been dealing with identity theft for the past year and a half and it is a difficult and troublesome on-going issue that Im still trying to resolve. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. Apple card issued by Goldman Sachs Bank USA has blocked me from seeing my bank statement under my apple ID : XXXX I have reported many charges which were fraudulent to them, however, they have re-billed everything that were reported. I can not see anything on my end I have no access to see what is happening to my account. However, I was afraid of interest would accrued on the card I just kept paying until I was able to reach out. They never returned my emails or phone calls and I'm left in the dark on why my fraud claim isn't resolved. As explained when I have reached out to them about those charges, which I can't see since my account was closed without notice, that are fraudulent due to identity fraud. They recently claimed they found not fraud on my account which is inconsistent to what I have originally reported to them. My phone was lost with my wallet, my virtual card is on that phone. How can you not find fraudulent activities on my card when that happened?? Moreover, I don't have access to this email address XXXX anymore because it was hacked into when I lost my phone. Again I received no communications from Apple to its day. No reasons given as to why they closed my account either.
Consumer complaint received 2023-08-24
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. (VA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached 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. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: A-L FINANCIAL CORP (CA)

SEE ATTACHED FTC AND UCC 11 RESULTS FOR ALL FALSE LEIN HOLDERS AND A-L FINANCIAL ACCOUNT.

Blatant Violation of Consumer Rights and Potential Securities Fraud It has come to my extreme dissatisfaction that no clear and conspicuous consent was ever obtained from myself, the consumer, for the furnishing of credit reports by any creditor or credit reporting agency ( CRA ). Neither written nor verbal permission was granted for the reporting of my transactions, nor was I ever informed about the distribution of my personal information to third parties. 

This blatant disregard for the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) is unacceptable. Congress explicitly prohibits the reporting of my non-public personal information without my clear and conspicuous opt-out, as outlined in 15 USC 6802 ( b ) ( 1 ). Despite this legal requirement, my information has been used by creditors, third-party debt collectors, and CRAs like XXXX, XXXX, and XXXX, not only resulting in identity theft but also potentially constituting securities fraud. 

Furthermore, my explicit request over two months ago to block and remove these reports, as mandated by 15 USC 1681C-2, has been ignored. This blatant disregard for the legal timeframe of four days for processing such requests is a further sign of your negligence.

Be warned : 15 USC 1681 ( b ) demands that CRAs implement reasonable procedures for handling consumer credit information with fairness and equity. This includes ensuring confidentiality, accuracy, and proper utilization of data, all of which have been demonstrably violated in my case.

Your continued furnishing of these reports without my consent opens the door to potential securities fraud charges under my Congressional findings.

I demand immediate action. Cease and desist all further reporting of my personal information without my explicit authorization. Additionally, I expect a full and swift investigation into this matter, including the removal of all inaccurate information from my credit reports within the legal timeframe. 

Consider this a formal warning. I will not hesitate to pursue legal action against all involved parties if these violations persist.