davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX 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 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (CA)

Innovis has something from a company called XXXX XXXX on my personal credit report. This XXXX XXXX  medical debt is in the name of XXXX XXXX. This is not my name. Please remove XXXX XXXX from my credit report. Thank You.
Consumer complaint received 2023-11-01
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 (CA)

On XX/XX/XXXX while attempting to book a flight with XXXX XXXX, an advertisement for the American Express Credit Card appeared. Intrigued by the offer, I decided to check the terms and found that I met the eligibility criteria. Consequently, I proceeded to submit an application. 

I was excited to take advantage of the welcome offer, which required me to spend {$2000.00} within a specified time frame. I met this spending requirement as prescribed. 

After not receiving the welcome offer as expected, I contacted your customer service on 3 times. To my surprise, I was informed that I was not eligible for the offer, despite meeting the requirements as outlined in your terms and conditions. 

A promise was made to investigate this issue, and I was told that I would receive an email within a couple of weeks with further information. However, I did not receive any communication from your team. 

Feeling frustrated and concerned about the situation, I reached out to your customer service again on XX/XX/XXXX. The representative I spoke with was unable to provide any resolution, so I requested to speak with a manager. 

I was connected with a manager named XXXX ( XXXX XXXX XXXX XXXX ), who also appeared unable or unwilling to help me resolve this issue. 

Left with no other option, I sent an email to your customer relations department, but I received no response. 

On the same night, I contacted your customer service yet again to ensure that my concerns were being addressed. I spoke with a manager named XXXX ( XXXX XXXX XXXX XXXX ), who attempted to assist me but ultimately could not resolve the matter. 

My experience throughout this process has been incredibly frustrating and time-consuming, and it has left me feeling unsupported as a customer. I believe I have met all the eligibility criteria as stated in your terms and conditions and should rightfully receive the welcome offer as initially promised. The lack of communication and assistance from your customer service team, as well as my inability to receive a satisfactory resolution, has been extremely disappointing. 

I am now left with no choice but to consider submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this issue. However, I would prefer to resolve this matter directly with American Express if possible. I urge you to reevaluate my situation and take the necessary steps to ensure that I receive the welcome offer I was promised. 

I kindly request that you investigate this matter promptly and communicate the results of your investigation to me in a timely manner. I believe in the importance of a positive customer experience and hope that this issue can be resolved amicably.
Consumer complaint received 2023-10-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

The Date is XX/XX/XXXX? XXXX. Amount : {$750.00}.. I have deputed this information and I have not received the information which I am requesting. This leaves me with greater Concerns from XXXX at XXXX and your company is reporting on sharing my identity and information that is NOT correct which is reflecting on my credit Report with in-accurate information that is affecting my life which has hurt my ability to obtain credit. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by Federal Law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on the credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ).

FCRA also according to 15 US Code 1681 ( s ) 2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must removed the account ( XXXX ) from my credit profile.
Consumer complaint received 2023-11-24
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. (TN)

I'm very aware XXXX, XXXX, and Experian, are Committing fraud against me, fraud is anything that deals with my social security number when I didn't receive any benefit from it, consumer law states that if a company take more Then 30 days to handle a complaint it must be removed form credit report. 15 U.S Code 1681A2AI I'm also a victim of identity theft so in fact these reporting agency of violating the Fair Credit Reporting Act by reporting these fradulelet account that was open in my name XXXX  ACCOUNT # XXXX Date Opened : XX/XX/XXXX  Balance : {$8000.00} XXXX ACCOUNT # XXXX Date Opened : XX/XX/XXXX  Balance : {$2100.00} XXXX XXXX {$2000.00} {$1300.00} XX/XX/XXXX  {$1300.00} XXXX XXXX XXXX {$380.00} {$1000.00} XXXX  XXXX {$1100.00} {$380.00} XXXX XXXX XXXX XXXX {$4300.00} THESE ACCOUNTS NEED BE REMOVED NOT UPDATED AFTER YOUR FRAUDLETE INVESTIGATIONS, Securities Fraud is being taken place I will pursue suing if these account are not removed.
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. (AL)

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 2023-10-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Kikoff Inc. (CA)

Upon completion of this credit building program I earned XXXX that was supposed to be deposited in my bank account that they have on file. First when I tried I was denied because they said that I needed to use another account. They deducted money from the account on a monthly basis now the account is not valid. I was in contact with someone who told me that she was working on it Here are a sample of the emails : XXXX XXXX, Thank you for reaching out to us, Upon reviewing our records i see that you need to re verified in order to be used. Please note that over time this connected XXXX accounts need to be re-authenticated. 

If you have any further questions, please reach out to us, and I'll be more than glad to help you. 

Best, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX ( 7 days ago ) to me Hi XXXX XXXX Thank you for your response, We apologize for the late response, we carefully reviewed the information you sent to verify your bank and it has all the criterias we asked for. I have manually approve it please don't hesitate to let me know if you have any additional questions! 


On XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : I got an error message to use a different bank account of go to my linked account to verify my linked account. My linked account has not changed. There is nothing to verify on my account. 
XXXX XXXX XXXX XXXX XX/XX/2023, XXXX ( 4 days ago ) to XXXX XXXX nothing. Sad that you think that it is okay to play with a person ' ; XXXX mind like you have. I have not done anything wrong and yet you are playing a game with me. Why? 

I have read other online review similar to my situation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I walked in to Citi Bank the XXXX Branch to do a wire transfer Im buying a house and needed to wire the money to escrow a white male asked me if I needed help I told him I wanted to do a wire transfer, so he sat down on his desk and he said our wire system is down and he was going from one place to another and refused to help me and he said call customer service they will help you and I asked him whats the number he said look at your card its on the back, complete discrimination, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive dealt with so many Banks and Banker but never felt so disrespected in my life and distressed because I had a dead line and he didnt help me.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2023-11-24
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/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 2024-01-10
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. (SC)

There are multiple inquiries displayed from companies without permissible purpose per the FCRA. I have no accounts from any of the said companies. This is a violation of the Privacy Act Of 1974. Removable of every inquiry needs to be completed immediately.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion reinserted previously deleted acct XXXX. The FCRA lays out specific requirements that have to be met in order to reinsert an account. I was never notified by transunion in writing within 5 business days from the date of reinsertion. This is a violation. Prove that I received notice. Theres no certified mail, green return receipt. Transunion is to certify that the information is accurate. So Im requesting the method of verification as well as the information used to verify the the account is accurate. Due to violations of the FCRA I want this deleted. 

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (UT)

Last year I've repeatedly sent in proof of my driver license that I never lived at the address their repeatedly reporting on my credit report. Not only they are refusing to remove it but they're keeping information that's not mine that my personal mail is going to another address putting my personal information at risk for fraudulent activity or stolen identity. Experian exposure to my personal is putting my personal life in danger. I request proof I live here or hold any accounts that's tide to this XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 

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 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 2023-11-24
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. (LA)

I was taken by surprise to learn that I was a victim of the ( XXXX XXXX XXXX XXXX ) and was encouraged to obtain my annual credit report from all three XXXX Credit Bureaus and identity any inaccuracies or fraudulent information that's keeping my XXXX XXXX from progressing in the right direction to Open a Mortgage, upon review I was taken by surprise learn of I am a victim of fraud ... Credit Card Accounts and Numerous Unauthorized Hard Inquiries. Credit Card Accounts are listed below... 

XXXX : Experian XXXX XXXX Account # : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$500.00} {$500.00} {$500.00} XXXX XXXX  : XXXX. Experian Account # : XXXX XXXX Date Opened : XX/XX/XXXX. XX/XX/XXXX Balance : {$510.00}. {$510.00} These are not my accounts! I filled disputes with each of the XXXX Credit Bureaus and also I contacted the Original Creditors and requested Debt Validation Letters and a Copy of the Original Application/Contract specifically bearing my Signature Consenting to obtain Credit and Permission to Furnish information on my Consumer Report I have not been provided requested information...
Consumer complaint received 2023-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was resolved with an Identity report and was XXXX XXXX the XXXX party collection agency. Please see attached documents and reports from the Consumer Financial Protection Bureau. I would like for this account to be removed and deleted from my consumer report from all three credit bureaus such as Experian, XXXX, and XXXX.
Consumer complaint received 2023-11-24
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. (MN)

Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX  or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an XXXX XXXX report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX 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 Balance : XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged XXXX XXXX not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-11-24
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. (NJ)

A XXXX ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXXXXXX 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 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