davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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)

This is one of my numerous 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 and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-05-03
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. (CA)

Ive been disputing this matter for over a year on both of my vehicles which where purchased through XXXX XXXX XXXX XXXX it been effectiving my credit score an business credit due to false info which Ive provided proof that the car was settled out as a total loss Ive submitted XXXX disputed with equifax XXXX with XXXX an once with XXXX my credit score should be in thee 700
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is balance showing. Dates on account closed as of XX/XX/2019. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
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)

This is one of my numerous 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 and XXXX XXXXXXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-08-31
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)

This is XXXX of my numerous 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 XXXXXXXX and XXXX XXXX ( Original Creditor : XXXX AT T ) XXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-03-29
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. (TN)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2024-01-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Total Auto Finance (MD)

On and before XX/XX/XXXX, I went to XXXX auto house inquiring about a vehicle after receiving many marketing calls from them regarding a vehicle. When I went in to look at a few of their vehicles, I was asked if I had a trade in, and my response was no. I was under the impression based off of website marketing and me speaking to a auto sales man that they had a special for no down payments down to get a vehicle. After picking out the vehicle I wanted I filled in a few sheets of papers in regards to the contract ( handwritten signature ) and once we were finished I received a small packet regarding insurance. After leaving the lot, I noticed I did not receive my retail installment loan and requested a physical copy. I had to go back to the lot to retrieve and saw that forms had been fraudulently signed electronically and the price on the contract was thousands of dollars off from what I was originally told. I also notice AVP - & AVP GAP included in my auto loan which I did not request, and it states on my auto loan this is optional. When confronted they stated they were not able to make any changes to the loan as it was already filled and sealed. I was requesting the clause of the retail installment agreement, and did not receive that to see where I can go to get this loan voided. I still can not get in contact with anyone from the car delearship as of XX/XX/XXXX.
Consumer complaint received 2024-01-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (DE)

I changed my account payments using my XXXX XXXX XXXX XXXX Account of XX/XX/XXXX to pay Firstmark Services. I received an email stating that the changes were made. On XX/XX/XXXX, I made a payment and was under the impression the account was credited. On XX/XX/XXXX stating my payment was returned, which can not be as I personally double check the information for accuracy. On top of that, they added the .25 % back to my account, without any communication.
Consumer complaint received 2023-08-31
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WLCC (MO)

I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. $ 1681b ( Permissible Purpose ).
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY ()

I'm using American Express Travel Platinum Credit Card for past 6 months. I was charged annual fee of XXXX XXXX. Amex cards are hardly accepted in XXXX. While applying, i was informed it is accepted everywhere. Few top brands had board in their payment section that Amex cards acceptable but they aren't accepting amex cards because they charge more compared to other credit cards. Some websites either don't accept or charge extra for using amex card. For international payments, charges are 5 to 7 times higher than the other credit cards. No mention was there about charges on international payments at the payment site. Charges were hidden in exchange rate and it was never disclosed with the user. Even after paying huge annual fee, we won't get access to lounges in international terminal of XXXX XXXX. I never recommend amex card to XXXX.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

Without fail, I have maintained a record of timely payments on this account, preventing any occurrences of overdue payments. Yet, I am puzzled by the existence of late payment remarks on my accounts, as per the provisions of 15 USC 1666b, which mandates the correction of billing errors.
Consumer complaint received 2023-08-31
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Consumer complaint received 2024-01-19
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: CAVALRY INVESTMENTS, LLC (VA)

I reported that a collection agency, Calvary Portfolio Service was reporting my information that was over 12 years. I dont recognize the values since it was closed nearly 12 years ago but under fair reporting, this should not even be listed.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My card was used to rent a car in the XXXX, I was in XXXX at the time. i dispute the transaction but the wrong amount was entered. i went back and forth with XXXX XXXX and no one ever said i need to file a police report. which i did in XXXX all fees are associated with that charged. i didn't pay the bill because i didn't cause the problem
Consumer complaint received 2022-11-16
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. (CA)

On XX/XX/22 I submitted a dispute XXXX XXXX. XXXX regarding unlawful collection on my credit file. TransUnion completed their investigation on XX/XX/22 stating that their investigation confirmed the information was correct and my file did not change. This is the 2nd time i have disputed this with negative results. If TransUnion did in fact properly investigate the results would have been different. California Law authorizes treble damages for a bad check but must first follow strict requirements for damages as outlined in Civil Code 1719. The collection company did not follow the requirements and was not awarded damages by a court of law. Furthermore, Transunion has provided no information on how they were able to determine that the information is accurate.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Marlette Funding, LLC (MD)

The response from Best Egg credit card issued by XXXX XXXX  and XXXX is irrelative to my complaint and in in its entirety. As of today, XX/XX/, the account is still blocked, and credit balance is held for no reasons. The balance transfer has been completed and authorized by third party company and has nothing to do with Best Egg issued by XXXX XXXX  and XXXX. I have been contacting them almost every other day at number they provided, ( XXXX ) XXXX, and asked for the person in charge, XXXX. Last time I called was XX/XX/. They usually say she is at lunch or at the meeting and will call you back in a few minutes but that never happens. They have asked me to contact the bank that balance transfer was issued from to reverse the transaction ; however, the third-party bank has stated that the transfer was done electronically and can not be reversed. I have explained the situation and response from third party company ; however, they never released the hold on my account and funds.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CO)

Citibank like many other credit cards are offering cash back offers to incentivize customers to use their card to purchase from specific merchants. I've used this across many credit cards with little to no issues. Citibank is the outlier. There used to be a tab in the app and online that showed what programs you were enrolled in and what you had qualified for, that went away. I was signed up for a XXXX XXXX offer, that unfortunately did not take screenshots of, because I actually trusted them. I made the qualifying purchase, spent hours and hours on the phone arguing about it only to give up. I also signed up for a promotion to get {$30.00} back after spending {$350.00} in hotel purchases, never received this credit. I believe there is a systemic issue in their merchant offer programs. It's deceptive to say the least. I want an explanation as to why I can not track my cash back like I can with other credit cards and why I have to spend hours of my time trying to get an answer.
Consumer complaint received 2020-07-31
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: EQUIFAX, INC. (CA)

For months, I couldn't manage my credit freeze online despite the account seemingly being in a working state. I called multiple times and nobody could fix my account, which means I can't manage my credit freeze with this company. I verify successfully everything multiple times on the phone and was asked to " follow procedure '' and mail or fax them more verification documents. Tried to escalate multiple times to " supervisors '' and was on the line for 1.5+ hours. Worst service ever and nobody cares. The last call was today ( XX/XX/2020 )
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$120.00}
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (CA)

I signed up for the Amex Business Checking account after learning of the following promotion. 

XXXXXXXX XXXX XXXXXXXX The promotion offered XXXX points after depositing a certain amount of money. When I went to set up the account, the offer had been lowered to XXXX. At no point during the application process was I informed that I was ineligible for the offer. 


This is the transcript of my chat with Amex >>When I signed up for the amex biz checking there was a promo for XXXX rewards. When I was setting up my account today, I noticed that the reward bonus had been decreased to XXXX >>I understand your concern to verify your Welcome Bonus details, XXXX. Can you share with me how you received and applied for this offer? 

>>Here is the link XXXX XXXX XXXXXXXX >>Thank you for sharing this information. How did you receive this link? 

>>I was thinking of applying for amex biz checking and XXXX " amex biz checking signup bonus '' and that was one of the first things that came up >> Thank you for confirming that information, XXXX. I have confirmed that the XXXX Welcome Bonus offer is valid only via email invitation. Your account would not qualify for the Welcome Bonus if you've used a link found on Amex website, XXXX, XXXX or that a Friend shared ; even if the XXXX works for during application, you would have had to be invited via email to take advantage of the XXXX Welcome Bonus offer. 

>> Hmm. That's a bit misleading. The link was on multiple XXXX listings which isn't exactly an obscure place to be looking. In addition I checked the link itself and it's a very generic link. It does not appear to include any special codes or values. 
It was also be important for amex to mention if the offer isn't applicable to the applicant during the extensive application process >>I completely understand your point of view and would be more than happy to note your feedback to the appropriate parties. We have been notified of different blog sites where individuals would share unique promotional links, however, we've confirmed that this promotion is email invitation only. 
To ensure our customers receive the same excellence in servicing, we can not make exceptions to meeting the qualifications including matching the bonus offers. 

>>I would argue any good consumer before purchasing/buying/signing-up for anything would at the minimum do a quick XXXX search to see what is out there. I find that disappointing to say the least I understand your concern, XXXX. I appreciate your insight that you have provided, as your feedback is important to us and will help American Express make the necessary enhancements.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

This is a complaint against the three major credit reports agencies, XXXX, XXXX and Experian is reporting a US Bankruptcy Court of XXXX on my credit report which is false. I have reached out to the three major reporting agencies and filed a dispute asking them to delete this incorrect information immediately based on the following fact. I have attached a verification letter from the United States Bankruptcy Court for the XXXX XXXXXXXX XXXX XXXX XXXX stating the U.S. Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report, verify or furnish any information to the credit bureau or any credit monitoring agencies with regards to verify bankruptcy information.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my fourth XXXX 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, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$460.00} XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00}.